How to Get a USD Receiving Account for Your Business (2026)
To receive USD payments from US clients at zero fee, you need a US bank account (routing number + account number) that your clients can pay locally. Here's how non-US businesses get one.
How to get a USD account without being in the US
- Wise Business: free USD account in 170+ countries. Held with an FDIC-insured US bank. Clients pay locally, no wire fee.
- Airwallex: USD account available in most countries. Similar to Wise.
- Mercury: actual US business bank account. Requires US company registration (LLC or corporation). Free.
- Brex: US corporate card + banking. Requires US company.
- Relay: US business banking. Requires US company registration.
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ForexFee guides are based on publicly available information and live rate data from Wise's comparison API. For pricing, KYC requirements and current promotions, always check each provider's official site. See our methodology for how we source and rank rates.