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Which US business banking providers really judge founders who unrecorded extracurricular the US — documented from provider-published sources, not anecdotes. 19 providers, 239 claims that survived independent re-verification against the original root pages. Where a supplier publishes nothing, the compartment says truthful alternatively of guessing.
Last verified: July 2026CC BY 4.0 — mention pinch attribution239 verified claims
How to publication this table
✓
Explicitly accepted
The supplier publishes an acceptance connection covering founders resident successful this country.
✕
Explicitly restricted
The laminitis is barred — but by 3 different kinds of evidence, from a named prohibited database down to a broad norm that names nary state astatine all. Every restricted compartment says which; spot below.
○
No published restriction
Not connected the provider’s published restricted list, but nary definitive acceptance connection either. Absence of regularisation is not acceptance.
—
No published argumentation found
No citable provider-published argumentation recovered either way.
“No published argumentation found” is 4 different situations
39 of the 152 state cells resoluteness to unknown. Reviewing them together showed they were not 1 authorities but four, and the quality changes what you should do adjacent — truthful each chartless compartment now carries a 2nd section naming which 1 it is, and a citation signaling wherever we looked. “We could not find it” is only useful to you if you tin spot wherever we searched.
—
No argumentation published
The supplier publishes nary country-of-residence argumentation anyplace we looked. The citation connected this compartment is the page specified a argumentation would unrecorded on.
—
Named, but not arsenic residency policy
Provider worldly names this state — arsenic a ligament destination, for spend-management support, successful marketing, aliases arsenic a state of incorporation. None of those is grounds astir laminitis residency.
—
Absent from a non-exhaustive list
The supplier publishes a supported-country database that is explicitly non-exhaustive, truthful this country’s absence from it carries nary accusation successful either direction.
—
Provider pages conflict
Two unrecorded supplier pages disagree and the supplier publishes nary azygous verdict. This is an unresolved conflict, not an absence of information.
“Explicitly restricted” is 3 different situations
61 cells resoluteness to restricted, and only 9 of them sanction the state connected a published prohibited list. In 40, the supplier names nary state anyplace — the barroom comes from a broad norm specified arsenic “US citizens aliases imperishable residents only”. The reply you get is the aforesaid successful some cases, and it is correct successful both. What differs is really overmuch is published astir you specifically, which is what you request if you scheme to inquire the supplier aliases appeal. So each restricted compartment now names its grounds type too.
✕
Named connected a prohibited list
The supplier publishes a prohibited aliases unsupported state database and this state appears connected it by name. This is the strongest shape of regularisation grounds successful the index.
✕
Absent from a closed eligibility list
The supplier publishes an eligibility database that its ain wording makes exhaustive — residence successful a listed state is stated arsenic a requirement, not an example. Absence from a closed database is simply a conclusion from what the supplier stated, not an conclusion from silence.
✕
Derived from a broad rule
The supplier names nary countries anywhere. The regularisation follows from a broad norm — US citizens aliases imperishable residents only, aliases overseas business customers cannot apply. The conclusion holds for the reader, but nary country-level root exists down this cell.
Acceptance by state of residence
Hover immoderate compartment for the underlying note. Country columns picture the founder's state of residence, not the LLC's authorities of formation. Full grounds quotes are successful the JSON download and successful each provider's item paper below.
Details column — 1 icon per magnitude of the provider's card: proprietor ID, relationship rails, receiving from abroad, paper issuance, onboarding, telephone & 2FA. Color tracks the published state: green = published positive, amber = conditional aliases partial, red = published restriction, gray = nary published statement. Hover for the value; click to jump to the cited sources.
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Provider specifications and sources
How this scale is built
Every declare starts arsenic a verbatim quote from a fetchable root — the provider's ain thief center, position of service, aliases published state database (tier T1), an charismatic supplier blog aliases support connection (T2), aliases a dated personification study (T3, branded arsenic such). A abstracted adversarial verification walk past re-fetched each root and discarded immoderate declare whose quote was absent, misread its context, aliases overreached — 239 of 268 mined claims survived. Country cells are deliberately tri-state: a state absent from a provider's restricted database is reported arsenic “no published restriction,” ne'er converted into “accepted.”
Rows marked †(receiving from abroad, paper issuance, telephone & 2FA) were added aft that walk by single-pass primary-source investigation — aforesaid quote-and-cite standard, but not yet done the adversarial re-verification the halfway went through, truthful they are excluded from the verified-claim count until the adjacent quarterly merchandise re-verifies them.
Provider policies alteration without notice, and exertion outcomes besides dangle connected provider-side reappraisal of each business. This scale documents what providers publish, arsenic of the verification day — it is simply a representation of published policy, not a prediction of immoderate individual exertion outcome. Source pages are snapshotted to the Internet Archive astatine verification time. Full methodology: evidence basis.
Published nether Creative Commons Attribution 4.0. Cite as: Global Solo Banking Access Index, globalsolo.global/data/banking-access-index, DOI 10.5281/zenodo.21336393. If a declare conflicts pinch what you observe, constitute to [email protected] pinch specifics — the scale updates erstwhile caller crushed truth surfaces.
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*Mercury is simply a fintech company, not an FDIC-insured bank. Banking services provided done Choice Financial Group and Column N.A., Members FDIC. FDIC deposit security covers the nonaccomplishment of an insured bank. Deposits successful checking and savings accounts are FDIC-insured done Choice Financial Group and Column N.A. and their Sweep Program Network Banks. Certain conditions must beryllium satisfied for pass-through FDIC security to apply.
Some providers successful this scale (including Mercury and Wise Business) person connection relationships pinch Global Solo connected different pages of this site. Links successful this scale constituent to supplier homepages and root documents only — nary connection parameters. Inclusion, ordering, and compartment values are wished by the published-evidence methodology above, not by commercialized relationships.
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