Match the bank to your rails: USD → Mercury / Relay; multi-currency → Wise / Airwallex; UK → Tide.
Have your entity, EIN/UTR, ID and business plan ready before starting an application.
Provide a real website URL; every neobank checks it.
Never apply to multiple banks at the same address on the same day — it looks suspicious.
Keep 3–6 months of expenses in your primary operating account for stability signals.
