Banking beyond borders: Introducing Bluevine for international business owners

Can a non-resident open a U.S. business bank account?

Yes, international founders can now open a U.S. business bank account for non-residents online without an SSN. Bluevine makes it possible to apply remotely using a passport and EIN, removing the traditional need for in-person visits or U.S. residency.

For years, entrepreneurs have faced major barriers while running and growing their U.S. businesses internationally: travel requirements, laborious application processes, and limited access to U.S. financial infrastructure. That friction has slowed growth, delayed payments, and made it harder to operate in the global economy.

Today, that’s changing.

Bluevine now supports international business owners of U.S.-registered companies, offering a fully digital, all-in-one banking platform built for global operations. The goal is simple: help founders move faster, manage money more efficiently, and operate across borders.

International founders represent a growing segment of U.S. business ownership and their needs are no longer niche. They’re the future of global commerce, and financial platforms should make their lives easier instead of harder.

Summary

• Global access: International owners can now open and manage a U.S. business bank account online—no SSN, travel, or in-person visits required.
• All-in-one platform: Bluevine combines checking, payments, invoicing, and cash flow tools in a single digital system built for cross-border businesses.
• Faster operations: Send, receive, and manage international payments more efficiently with transparent pricing and built-in financial tools.

Summarize in ChatGPT

What’s new: U.S. business banking—built for global founders

Traditional banks were designed for local businesses. But today, many founders operate globally from day one, and Bluevine’s latest product release is built to help them do exactly that.

Now, international entrepreneurs can:

• Apply for Bluevine Business Checking without an SSN
• Open a U.S. business account from outside the U.S.
• Manage business finances entirely online

Bluevine’s robust banking platform reflects how businesses actually run today—fast, digital, and cross-border. For international owners, it’s important to have both access and infrastructure. The key benefits include:

• Fully online onboarding: No international travel or physical bank branch visits required
• Built for end-to-end global operations: Invoicing, cash flow management, payments, and multi-entity flexibility
• Modern banking experience: High-APY checking to maximize interest earnings,^BVSUP-00147 streamlined fees, and integrated tools for accounts receivable, accounting, and more

How do international founders open a U.S. bank account?

Opening a U.S. business bank account used to mean paperwork, international flights, and weeks of waiting. With Bluevine, it’s a streamlined and completely digital process.

Open and manage your U.S. business account 100% online

Here’s how it works:

1. Apply online with a simple application
2. Verify your identity using your passport
3. Submit business details, including your EIN
4. Get reviewed and approved, if eligible

What makes this application process different:

This process removes the biggest friction points international founders face—speed and accessibility. With Bluevine, you don’t need a physical presence in the U.S. or a SSN.

Here’s what you’ll need:

• Valid passport (for owners with 25%+ ownership)
• On-camera identity verification
• EIN (Employer Identification Number)
• Ownership structure and personal details
• U.S. legal address (physical or registered agent)

How do global businesses manage U.S. payments?

Once your Bluevine Business Checking account is open, the next challenge is moving money across borders. We help simplify this with built-in global payment capabilities.

Global payments made simple

Bluevine gives international businesses the payment tools they need to operate in U.S. dollars while maintaining global flexibility.

• Send payments to 32 countries in 15 currencies
• Receive payments in 39 currencies
• Transfers complete in as fast as 24 hours^BVSUP-00144

Global founders offer

As an international business owner, when you deposit $50,000 within the first 30 days following account opening, get 12 free months of:^BVSUP-00202

• Our Premier business checking plan
• Special FX pricing of 0.75% FX + $0
• A local-hours account manager

Enter this referral code at signup: GLOBE26

Open account

What tools do international founders need to run a U.S. business?

Bluevine brings everything together in one platform, so your business checking account becomes much more than where you hold your money. Instead, it’s your one-stop solution for managing your financial operations.

Earn more with high-yield checking

• Earn up to 3.0% annual percentage yield (APY) on checking balances^BVSUP-00147
• Grow idle cash while operating globally

Get paid faster

• Send invoices and payment links, powered by Stripe^BVSUP-00180
• Accept payments via card, ACH direct debit, and digital wallet^BVSUP-00192
• Reduce payment delays across borders with fast incoming and outgoing wire transfers^BVSUP-00144

Simplify operations

• Create sub-accounts and automatic transfer rules for budgeting
• Automate accounts payable with payment scheduling
• Issue and use virtual debit cards with spend controls
• Integrate with popular tools like QuickBooks^BVSUP-00056

See all the Bluevine Business Checking features available now, and what’s coming soon.

View features

Which plan is best for international business owners?

Different businesses have different needs, and we get that. Bluevine offers multiple plans to match where your business might be at this point in time—and you can switch your plan whenever you’d like.

Our tiered approach allows founders to scale their banking setup as their business grows.

Choose the plan that best fits your business

As you can see above, our Standard checking plan comes with no monthly fee, as well as APY if you meet a monthly eligibility requirement. With Plus, you get additional features and higher, automatic APY for a waivable $30 monthly fee. With Premier, you get even more features and an even higher APY on every dollar for a waivable $95 monthly fee.

Did you know?

Here’s how to waive the monthly fee for our upgraded plans:

For Plus, maintain an average daily balance of at least $20,000 across your Bluevine Business Checking account and sub-accounts each billing period and spend at least $2,000 each billing period with your Bluevine Business Debit Mastercard®.

For Premier, maintain an average daily balance of at least $100,000 across your Bluevine Business Checking account and sub-accounts each billing period and spend at least $5,000 each billing period with your Bluevine Business Debit Mastercard®.

What countries are supported for U.S. business banking?

Bluevine currently supports international business owners in:

We plan to expand access to additional countries as we expand our platform.

Making business banking borderless

This product release for international owners represents a broader change in how businesses operate.

We believe business banking shouldn’t be limited by geography. Traditional systems were built for businesses operating within one country, or even one state. But modern founders sometimes have global aspirations from the day they launch—selling internationally, hiring remotely, and managing operations that span continents.

This is where Bluevine stands apart.

By removing barriers like SSNs, branch visits, and location restrictions, we enable borderless business banking. Through Bluevine, founders can access U.S. financial infrastructure without being physically present—making it easier to manage cash flow, operate from anywhere, and scale.

That’s how businesses build momentum.

FAQs

Can international (non-U.S. resident) business owners use Bluevine?

Yes, you can use Bluevine as an international business owner, even as a non-resident with a primary international address, provided your business is a U.S. entity. Bluevine is not available at this time to non-U.S. business entities.

What type of U.S. business entity is required to apply?

To apply for a Bluevine Business Checking account, your business needs to be registered in the U.S (have an EIN), and cannot be a sole proprietorship or a nonprofit.

What documents are required to open a U.S. business bank account as an international owner?

The documents international business owners need to open an account are:

• Valid passport (for owners with 25%+ ownership)
• EIN (Employer Identification Number)
• Ownership structure and personal details
• U.S. legal address (physical or registered agent)
• In addition to the information above, you’ll be required to verify your identity on camera.

Are lending, credit, or Treasury products available to international business owners?

Right now, lending, credit, and treasury products are not available to international business owners, though there are plans to bring Treasury products to an international audience.

Do I need an SSN to open a U.S. business account?

No, international-resident business owners do not need an SSN to open a Bluevine Business Checking account. This is especially beneficial for international founders who do not have U.S. residency status but operate U.S.-registered entities.

What currencies can I receive payments in?

Bluevine supports receiving payments in 39 currencies, including USD, EUR, JPY, MXN, and many others.

Can I earn interest on my business checking balance?

Yes, Bluevine offers leading annual percentage yield (APY) on business checking accounts, with rates up to 3.0% with the Premier plan. By earning high yield on your checking balances, you earn interest even on your operating cash, not just what you can set aside, and don’t need to maintain multiple accounts.