Official Data Sources

“Explore starts at $0 per user/month and includes accounts that collect and hold 20+ currencies, unlimited multi-currency corporate cards, and up to 10 free Spend users. US Fedwire collections cost $15. SWIFT SHA transfers, including RTGS/FedWire, cost $15; SWIFT OUR transfers cost $25. FX markup is 0.5% for listed major currencies and 1.0% for other currencies; additional fees and eligibility conditions may apply.”

“Requires US-registered entity (Certificate of Formation for LLC, Certificate of Incorporation for Corporation) with matching EIN letter. Attestation of Beneficial Ownership required for any UBO holding 25%+ equity (name, DOB, nationality). Non-US resident owners must provide passport and proof of residential address. US commercial ties (customer contracts, invoices, coworking lease, or operations) required for foreign-managed entities.”

“Wise Business charges a one-time $31 USD fee for account details that receive in 22 currencies. Domestic non-SWIFT/non-wire receiving is free; receiving USD wire and SWIFT payments costs $6.11 per payment. Sending and currency conversion fees vary by currency and start from 0.23%.”

“Wise Business supports sole traders and freelancers, limited and public companies, partnerships (subject to UK exceptions), and trusts registered in Australia, Canada, New Zealand, and the United States. New registrations for other trusts, including UK and EEA trusts, are temporarily restricted. Prohibited activities include cryptocurrency, tobacco, adult content, bearer shares, and Cuba-related business with US connections.”

“Annual Account Fee: $29.95 USD deducted if account receives less than 6,000.00 USD (or equivalent) in any 12 consecutive months. Not charged in the first year for paid annual plans. Local receiving accounts: free in local currency; 1% (min $1.00 USD) in non-local currency. Client payments: ACH debit 1%, credit card up to 3.99% + $0.49. Withdrawals: $1.50 USD to local bank in same currency (e.g. USA to USA USD); 1.2% - 4.0% with currency conversion. Move funds between Payoneer balances: 0.50%. Annual card fee: $29.95 USD, additional virtual cards free. Last updated 1 January 2026.”

“A business or an individual engaging in commercial activity may apply, subject to Payoneer KYC and approval. Individual applicants must be at least 18. A person registering for a business must be legally authorized to bind that entity, and registration must be lawful in the applicant's country or jurisdiction of residence.”

“Mercury is a financial technology company, not an FDIC-insured bank. Banking services provided by Choice Financial Group and Column N.A., Members FDIC. $0 monthly maintenance fee, $0 account minimums. Free incoming and outgoing domestic ACH, checks, and outgoing domestic Fedwire. USD international wire transfers are free to send via standard SHA mode (intermediary and recipient bank deductions may apply); optional OUR mode fee is $15 flat to cover intermediary fees, increasing the likelihood of full delivery though recipient or downstream banks may still assess deductions. Non-USD international wire transfers incur a 1.0% currency exchange fee. Up to $5M in FDIC insurance through partner bank sweep networks.”

“To be eligible to apply for a Mercury account, a company must be formed and registered in the U.S. or a U.S. territory, with existing or planned operations in the U.S. Companies must also have a U.S. or international address for their principal place of business, which can be a residential address. Companies cannot use a registered agent, P.O. box, or UPS box address for their principal place of business. To apply, you'll need your company's federal EIN, company formation documents, and government-issued ID for any owners with a 25% or greater equity stake and individuals with operational control.”

“Basic starts from $10/month with 10 no-fee local transfers and $1,000 of monthly interbank-rate exchange. Grow starts from $40/month with 100 no-fee local transfers, 5 no-fee international transfers, and $20,000 of monthly interbank-rate exchange. Scale starts from $140/month with 1,000 no-fee local transfers, 25 no-fee international transfers, and $80,000 of monthly interbank-rate exchange. Excess local transfers cost $0.20, excess international transfers cost $5, exchange above the plan allowance costs 0.6%, and exchange outside market hours costs 1%. Customers may create 30 virtual cards per 30 days, with a maximum of 50 per employee.”

“The company must be incorporated in the United States and provide proof of physical presence there. A non-US applicant may apply for the US entity if resident in an eligible jurisdiction, including Australia, Brazil, Canada, India, Israel, Japan, Mexico, New Zealand, Singapore, Switzerland, the EEA excluding Bulgaria, the United Arab Emirates, the United Kingdom, the United States, or listed territories. Proof of EIN and legal company name is also required.”

“Standard plan ($0 per user/month): 20 free ACH outbound transfers/mo ($0.50 thereafter); $5 per outgoing Fedwire transaction; $20 per outgoing cross-border Wire/SWIFT transfer. Incoming international Wire/SWIFT is standard $5/tx (temporarily fee-free waiver since 2026-05-12). Full Suite plan: $75/month (includes first 5 active users; $10 per additional user/month) with 50 free outbound ACH transfers/mo ($0.50 thereafter) and custom approval workflows. Corporate Cards: unlimited physical and virtual cards (subject to fair-use policy), 1% unlimited cashback, 1.5% card FX conversion. Transfer foreign exchange margins are personalized, dynamic, and quote-required (no fixed retail FX margin published).”

“OFX Fee Schedule establishes contractual user subscription rates: Standard plan contractual fee of $15 per user/month and Full Suite contractual fee of $25 per user/month. These contractual rates conflict with public marketing pricing ($0 Standard per user/mo; $75 Full Suite for 5 users); actual customer billing is governed by executed customer subscription agreements.”

“Terms govern USForex Inc. dba OFX (Delaware corporation, FinCEN licensed MSB, NMLS #1021624). Applies strictly to business customers registered in the United States for commercial international transfers, currency exchange, and corporate card management. Accounts are subject to identity verification, business purpose validation, and compliance with anti-money laundering regulations. Non-US entities contract under respective regional agreements.”

“Relay is a financial technology company; banking services are provided by Thread Bank, Member FDIC. Starter is $0/month, Grow is $30/month, and Scale is regularly $120/month (currently advertised at $90 for a limited time). Effective September 1, 2026, Starter charges $1 for same-day ACH, $8 for outgoing domestic wires, $5 for incoming domestic wires, $5 for local-network international wires, and $25 for SWIFT international wires. All plans include 50 credit and debit cards, with detailed per-cardholder/account limits.”

“Requires US entity documentation by entity type (Articles of Organization for LLC, Articles of Incorporation for C/S Corp, Partnership Agreement for General Partnership) with active EIN. Beneficial owners (>25% ownership or control) must be 18+; non-US citizens must provide valid passport. Physical US operating address required (no PO boxes or virtual mailboxes). Businesses owned by non-US citizens must demonstrate an operating presence in the US and provide initial source of funds.”

“Merchant card acquiring gateway. 2.9% + $0.30 per successful card transaction (+1.5% for international cards). 1% fee for payouts in additional currencies. Stripe is an online payment processor, not an operational business deposit account.”

“Requires an incorporated legal entity or registered sole proprietorship with a verifiable website/product and an external bank account for receiving payouts. Prohibits illegal products, debt settlement, adult content, gambling, and high-risk financial services.”