U.S. business banking for international business owners.

Bluevine isn't a bank—it's a financial-technology company whose banking services are provided by Coastal Community Bank, Member FDIC.

Being a fintech company allows us to charge fewer and lower fees, and make our financial services more accessible to owners of new, small, or geographically remote businesses. Bluevine Business Checking accounts are also FDIC-insured up to $3,000,000 per depositor—12 times the standard amount of $250,000—through Coastal Community Bank, Member FDIC and their sweeps program banks.

Yes, you can open a Bluevine Business Checking account without a SSN. You will need a passport to verify your identity, and an EIN for your U.S.-registered business.

No, you do not need a physical U.S. address to open a Bluevine Business Checking account. However, you do need the following:

• A physical or non-physical legal business address (used to register your business in the U.S.)
• A physical personal address in your country of residence
• A physical operating business address, either in the U.S. or in an accepted country, only if your legal address is not a physical address

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.

The only document required for international business owners to open a Bluevine Business Checking account is a valid passport (for each beneficial owner with 25%+ ownership). However, you will also need:

• Ability to provide on-camera identity verification
• An EIN
• Ownership percentages, addresses, and dates of birth for all beneficial owners
• A physical personal and operating addresses in any accepted country, plus a legal address in the U.S. (physical or not)

The full list of international countries currently supported by Bluevine are:

• Australia
• Belgium
• Canada
• Czech Republic
• Denmark
• Finland
• Germany
• Hungary
• India
• Ireland
• Israel
• Italy
• Luxembourg
• Netherlands
• New Zealand
• Poland
• Portugal
• Slovakia
• Slovenia
• Spain
• Sweden
• United Kingdom

You do not need to travel to the United States to open a Bluevine Business Checking account. Onboarding can be done entirely online, from any of our accepted countries.

Bluevine Business Checking for international owners has most of the same features as the platform does for U.S. owners, including high interest on checking balances, professional invoicing, streamlined payment processing, automated accounts payable software, international payments support, support for multiple business entities, and FDIC insurance up to $3 million. For a full feature list, feel free to explore our international features page.

Yes, you can add additional users to your account as authorized users, employees, or accountants. However, all additional users that do not own more than 25% of the business must be based in the U.S.

Yes, you can receive payments from U.S. customers via ACH transfers and domestic wires directly into your Bluevine business checking account. You can also send invoices and payment links to accept payments online by card or ACH direct debit.^BVSUP-00204

You can also receive international wire payments from customers outside the U.S., with funds deposited in USD.

Yes, you can accept online customer payments from customers in or outside of the U.S. through Bluevine, with payment processing powered by Stripe. You can also manage and track payments directly in your Bluevine dashboard.

To accept online payments, you'll need to connect a Stripe account. Once connected, customers can securely pay invoices or payment links by card or ACH direct debit with transparent fees of 2.9% + $0.60 for cards and wallets, and 1% for ACH direct debit payments.

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