Wise Business for Delaware LLC.
Multi-currency banking for international businesses. We explain exactly how to open a Wise Business account with your Delaware LLC, what documents you need, how long approval takes, and whether non-US founders are accepted. Last updated: June 4, 2025.
Quick answer: Can a Delaware LLC open a Wise Business account?
Yes. A Delaware LLC can open a Wise Business account. Wise Business accepts non-US founders without a Social Security Number. Approval takes 1 to 3 business days. You need your Delaware Certificate of Formation, EIN confirmation letter, government-issued photo ID, and 4 additional documents. There are no monthly fees.
Wise Business for Delaware LLC — key facts at a glance.
Why Delaware LLCs choose Wise Business.
Last updated: June 4, 2025
Wise Business is a multi-currency business account designed for companies that operate across borders. It is not a traditional US bank but provides US routing numbers, ACH capabilities, and local account details in 10+ currencies. For Delaware LLCs with international customers or suppliers, Wise is often the best first account because it accepts founders from nearly every country, requires no US credit history, and offers the fairest foreign exchange rates in the industry. You can hold, send, and receive money in USD, EUR, GBP, and 50+ other currencies.
Founded in 2011 and headquartered in London, United Kingdom, Wise Business has built a reputation as delaware llcs with international revenue, non-us founders who need multi-currency banking, and businesses that pay suppliers or contractors in multiple countries. For Delaware LLCs specifically, Wise Business offers excellent compatibilitybecause it was built for modern businesses and accepts digital documentation.
The main challenge for non-US founders is not rejection — it is understanding which documents to prepare and how to present your business. Wise Business accepts foreign passports and does not require a Social Security Number, which removes the biggest barrier most non-US founders face.
When you work with DelawareLLC.co, your specialist helps you prepare every document Wise Business requires, reviews your application before submission, and troubleshoots if the bank requests additional information. We have helped hundreds of Delaware LLCs open Wise Business accounts, and we know exactly what each bank looks for.
Delaware LLCs enjoy unmatched legal credibility because of the state's Court of Chancery and century-old corporate law framework. Investors, venture capital firms, and payment processors recognize Delaware as the gold standard for US business formation. However, that credibility depends on having a proper US banking footprint. When you present a Delaware Certificate of Formation but your business transactions flow through a personal account overseas, partners and investors question whether your LLC is a legitimate US entity. A US business bank account tied to your Delaware LLC reinforces your legal separation, builds business credit history, and signals to US customers, suppliers, and investors that you operate a genuine American business.
Non-US founders make three predictable mistakes when banking a Delaware LLC. The first is submitting documents that do not match exactly — using a shortened LLC name on the bank application while the Certificate of Formation shows the full legal name. Banks reject these applications automatically because their compliance software flags mismatched entities. The second mistake is applying before the IRS issues an EIN. Banks verify EINs against the IRS database in real time, and if your number is not yet active, the application fails instantly. The third mistake is using a personal bank account for LLC income, which pierces the corporate veil and exposes personal assets to business liability. These errors are completely avoidable with proper preparation.
Wise Business solves these problems by accepting digital documentation and verifying identity remotely. For non-US founders, Wise Business removes the SSN barrier and accepts foreign passports, which means founders from India, Nigeria, Brazil, or the UK can open an account without US work authorization. Specific use cases where Wise Business excels include e-commerce businesses processing US customer payments, SaaS companies collecting recurring revenue in USD, consulting firms invoicing American clients, and agencies managing multi-currency operations. Developers benefit from API access that automates payouts and reconciliation. Businesses that handle cash should pair Wise Business with a traditional bank that accepts deposits.
How to open a Wise Business account for your Delaware LLC.
Gather your documents
Start by collecting every document Wise Business requires. You need: 1. Delaware Certificate of Formation 2. EIN confirmation letter 3. Government-issued photo ID 4. US address or foreign address (both accepted) 5. No SSN required for non-US founders 6. Website or social media presence (sometimes requested). Double-check that your LLC name on every document matches your Certificate of Formation exactly — even a missing comma or abbreviation can trigger an automatic rejection. Non-US founders should use their foreign passport and a US-based registered agent address. We recommend scanning everything into a single PDF so you can upload it in one session.
Complete the online application
Visit wise.com/business and start the application. Enter your Delaware LLC name exactly as it appears on your Certificate of Formation. Use your EIN from the IRS. Upload your foreign passport if you do not have an SSN. Use a clear, high-resolution scan — blurry documents are the #1 reason applications stall. The application takes 10-20 minutes. Do not rush: incorrect information here causes rejection or manual review delays.
Verify your identity
Wise Business verifies your identity using your government-issued ID. Online application takes 15 minutes. Wise verifies your identity and business documents. You may be asked to take a selfie or record a short video for liveness detection. Respond to any verification requests within 24 hours. Delays in response can push your approval back by several days. Make sure the ID you upload is not expired and shows your full legal name.
Wait for approval
Approval typically takes 1 to 3 business days. Most well-prepared applications are approved. During this period, avoid submitting duplicate applications — multiple submissions can flag your LLC for fraud review. You will receive an email when your account is approved. If additional documents are requested, upload them immediately through the dashboard. If approval takes longer than expected, check your spam folder for missed communications.
Fund your account
Once approved, fund your account via ACH transfer, wire, or debit card. There are no minimum balance requirements. Incoming wires are free, so you can transfer large amounts from international clients without penalty. Set up your accounting integration with QuickBooks immediately to automate bookkeeping. Order your debit card and activate it through the mobile app.
Wise Business pros and cons for Delaware LLCs.
Every bank has trade-offs. Wise Business is no exception. Before you submit your application, understand exactly what you gain and what you give up compared to alternatives like Mercury, Wise Business, and Relay. The right choice depends on whether Wise Business's strengths align with your business model and whether you can live with its limitations.
- Best FX rates in the industry (mid-market)
- Local account details in 10+ currencies
- Accepts founders from almost every country
- No US address or SSN required
- Multi-currency holding (50+ currencies)
- Debit card works worldwide
- Excellent API and batch payment tools
- Not a full-service US bank (no cash deposits, no checks)
- $31 one-time setup fee for US LLCs
- No savings accounts or credit cards
- ATM fees after $100/month withdrawal
- Some US-only features missing (like Zelle)
Wise Business vs alternatives for Delaware LLCs.
| Feature | Wise Business | Best alternative |
|---|---|---|
| Monthly fee | $0 | ✓$0 (Mercury, Wise, Relay) |
| Approval for non-US founders | Excellent | ✓Excellent (Mercury, Wise) |
| SSN required | No | ✓No (Mercury, Wise, Relay) |
| Wire fees | 0.43% to 2.85% depending on currency route | ✓$0 (Mercury) |
| Foreign transaction fee | 0.43% average (mid-market rate) | ✓0% (Mercury, Wise, Novo) |
| Virtual cards | Yes | ✓Yes (Mercury, Relay, Novo) |
| Cash deposits | No | ✓Yes (Chase, BofA, Capital One) |
| Savings accounts | No | ✓Yes (Mercury, Chase, BofA) |
| API access | Yes | ✓Yes (Mercury, Wise, Brex) |
| Approval speed | 1 to 3 business days | ✓1-3 days (Mercury, Wise, Novo) |
Wise Business fees and pricing breakdown.
- Monthly fee: $0
- Account opening: $0 (one-time $31 setup fee for US LLCs)
- Wire incoming: $0 (local transfers), $4.14 (SWIFT)
- Wire outgoing: 0.43% to 2.85% depending on currency route
- ACH transfers: $0
- ATM fees: $0 (up to $100/month), then 2%
- Foreign transactions: 0.43% average (mid-market rate)
- Debit card: Physical + virtual
- Mobile app: Yes
- Multi-user access: Yes
- Check deposits: No
- Check issuing: No
- API access: Yes
- Accounting integrations: QuickBooks, Xero, Stripe, PayPal
Timeline: From application to first transaction.
Complete the Wise Business online application with your Delaware LLC documents. Time required: 10-20 minutes.
Wise Business reviews your Certificate of Formation, EIN, and identity documents. Most applications pass initial review.
You receive approval and account details via email. Debit cards are typically shipped within 5-7 business days.
Transfer funds via ACH or wire. Activate your debit card. Set up accounting integrations if needed.
Use your account for business expenses, receive customer payments, and build your business credit history.
Frequently asked questions: Wise Business for Delaware LLCs.
Can a non-US resident open a Wise Business account with a Delaware LLC?
Yes. Wise Business accepts non-US founders with a Delaware LLC. You do not need a Social Security Number — a foreign passport is sufficient for identity verification. Wise Business reviews applications from founders in India, Nigeria, Brazil, the UK, and 150+ other countries. Approval typically takes 1 to 3 business days, and you can complete the entire process online without visiting a US branch. Most complete applications are approved on the first attempt. We recommend preparing all documents before applying to avoid delays.
What documents does Wise Business require for a Delaware LLC?
Wise Business requires 6 specific documents for a Delaware LLC: Delaware Certificate of Formation; EIN confirmation letter; Government-issued photo ID; US address or foreign address (both accepted); and No SSN required for non-US founders; Website or social media presence (sometimes requested). The most critical document is your Certificate of Formation, which must match your LLC name exactly on the application. Your EIN confirmation letter from the IRS is mandatory — banks verify this number against IRS records, and applications without a valid EIN are rejected automatically. Non-US founders can use a foreign passport instead of a US driver's license. We recommend organizing these documents in a single PDF before starting your application.
How long does Wise Business take to approve a Delaware LLC account?
Approval typically takes 1 to 3 business days. Online fintech banks like Wise Business review applications faster than traditional banks because they use automated document verification. Most well-documented applications are approved on the first attempt without additional requests. If your application is flagged for manual review, respond to any document requests within 24 hours to prevent further delays. Founders who apply on Monday morning typically receive approval by Wednesday or Thursday.
Does Wise Business charge monthly fees?
No. Wise Business has no monthly fees and no minimum balance requirements. You can open an account with zero dollars and maintain it indefinitely without paying maintenance charges. This compares favorably to Chase Business ($15/month unless you maintain $2,000) and Bank of America ($16/month unless you maintain $5,000). Account opening costs $0 (one-time $31 setup fee for US LLCs). For a Delaware LLC operating on lean margins, zero monthly fees preserve capital for growth.
Can Wise Business receive wire transfers?
Wise Business receives wires for free. Outgoing domestic wires are also free, which is rare among US business banks. Wire transfers are the fastest way to move large sums into your Delaware LLC account from international clients or investors. Most fintech banks charge for international wires, but Wise Business offers competitive rates. If you expect frequent wires, compare the annual cost: at Chase, 12 incoming international wires cost $180. At Wise Business, the same volume costs $0.
Does Wise Business offer virtual debit cards?
Yes. Wise Business offers virtual cards for online purchases and subscriptions. You can create unlimited virtual cards with unique card numbers for each vendor, which improves security and makes expense tracking easier. If one vendor is compromised, you disable that card without affecting your main account. This is especially useful for SaaS subscriptions, advertising accounts, and freelancer payments. Wise Business also provides physical debit cards for in-person purchases and ATM withdrawals.
Can I deposit cash into Wise Business?
No. Wise Business does not accept cash deposits. If your Delaware LLC handles cash — for example, a retail store, restaurant, or event business — you need a traditional bank like Chase, Bank of America, or Capital One that operates physical branches. Most fintech banks, including Wise Business, Mercury, and Wise, do not handle cash because they lack branch infrastructure. Plan to deposit cash at a traditional bank, then transfer funds to Wise Business via ACH.
Does Wise Business integrate with QuickBooks or Xero?
Yes. Wise Business integrates with QuickBooks, Xero, Stripe, PayPal. The QuickBooks connection syncs transactions automatically, categorizes expenses, and reconciles your books in real time. The Xero integration imports bank feeds daily and matches transactions against invoices. Developers can also use the Wise Business API to build custom accounting workflows. Accurate bookkeeping is essential for Delaware LLC tax compliance, and these integrations eliminate manual data entry.
What happens if Wise Business rejects my application?
Wise Business rarely rejects applications that include complete documentation. If rejected, verify that your documents match exactly: your LLC name, EIN, and address must be consistent across every form. Reapply with corrected documents, or consider Mercury or Wise as alternatives. The best prevention is following Wise Business's guidelines: provide a clear business website or linkedin profile.
Should I choose Wise Business or Mercury for my Delaware LLC?
Choose Wise Business if delaware llcs with international revenue, non-us founders who need multi-currency banking, and businesses that pay suppliers or contractors in multiple countries. Choose Mercury if you want zero fees, faster approval, and better support for non-US founders. Wise Business offers virtual cards, API access, and zero monthly fees. For non-US founders without an SSN, Mercury accepts foreign passports and approves in 1-5 days. If you need international transfers, Wise Business may be the better primary choice.
Tools to help you decide.
Related guides.
Opening a bank account is one of the first things you should do after forming your Delaware LLC. Start with our complete Delaware LLC banking guide for an overview of all options. Compare the best banks for Delaware LLCs, or read our guide to online business banking if you cannot visit a branch in person.
Before you apply, understand EIN requirements — you need an EIN before any bank will open an account. Learn how to set up Stripe and PayPal as payment processors that connect to your new business account. If you are a non-US founder, our non-resident guide covers banking, tax, and compliance in detail. See our cost breakdown or our pricing to form your LLC.
For specific business types, explore e-commerce banking, consulting firm setup, and SaaS startup banking. Each guide explains which bank features matter most for that industry and how to avoid common rejection reasons.
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