Question 1

How can I create a Wise account if Wise isn’t supported in my country?

Accepted Answer

What I do is set it up legally through a supported-country business entity—most commonly a US LLC—and then open a Wise Business account using that company’s documents and address. This avoids the usual rejection or heavy limitations you get when signing up directly from a restricted country. Once verified, you can send and receive in 50+ currencies and route funds to your local bank.

Question 2

Is it legal to open a Wise Business account using a US LLC as a non-resident?

Accepted Answer

Yes—anyone in the world can legally form a US LLC, even if you’re not a US citizen or resident. The key is doing it properly: real entity, real EIN, and a compliant setup. In the video, I show the exact steps so it’s legitimate, not a sketchy workaround.

Question 3

Which US state is best for a non-resident LLC for Wise (Wyoming, Delaware, or New Mexico)?

Accepted Answer

For most freelancers and simple online businesses, I recommend Wyoming because it’s balanced: low annual fees, simple compliance, and strong privacy. Delaware is more for startups chasing investors and you pay more for that. New Mexico has no annual reports/fees, but it can be less recognized by some providers.

Question 4

Do I need a registered agent to form a US LLC for Wise?

Accepted Answer

Yes, it’s mandatory because your LLC must list a physical address in the state, and as a non-resident you usually don’t have one. The registered agent receives official mail and keeps you compliant, and it also helps keep your personal details off public records. I use Northwest because they’ve been professional and reasonably priced.

Question 5

What documents do I need to open a Wise Business account with my LLC?

Accepted Answer

You need your LLC formation proof (like your Articles of Organization), your EIN, and a US business address (typically your registered agent address). In the Wise signup, I enter the LLC name exactly as it appears on the formation docs and add the EIN. Wise may also ask for passport verification and extra business details—just provide it honestly.

Question 6

Should I use a US phone number when creating a US-based Wise Business account?

Accepted Answer

Technically you can use your local number, but I recommend using a US number for consistency when you’re setting up a US-based business profile. It helps avoid potential compliance headaches later. In the video, I show using a rented US number service to receive the verification code.

Question 7

Do foreign-owned US LLCs pay US tax, and what filings are required?

Accepted Answer

By default, a foreign-owned single-member LLC is treated as a disregarded pass-through entity, so you typically don’t pay US federal income tax on non-US sourced income, and Wyoming has 0% state income tax. But you still must file Form 5472 and a pro forma 1120 every year—even with $0 revenue—or you risk penalties starting at $25,000. You’ll also have ongoing compliance like the Wyoming annual report and BOI reporting.

How to Create a Wise Account in Non-Supported Countries | Step-by-Step (2026)

🛍️ Products Mentioned (3)

Xero Accounting (recommended)

Form a US LLC

Open Wise Account

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