How to Open a US Bank Account from Pakistan (2026)

You don't need to be in the US (or have an SSN)

Fintech-backed business accounts onboard non-residents remotely using your passport, your LLC's formation documents, and your EIN. No US visit, SSN, or ITIN is required. Traditional brick-and-mortar banks usually need an in-person visit, which is why almost every Pakistani founder uses fintech providers instead.

What actually works from Pakistan (2026)

• Payoneer — the most broadly available; great for receiving USD from clients and marketplaces. Note some local Pakistani banks don't accept Payoneer withdrawals directly, so check yours.
• Airwallex — frequently recommended for Pakistan-resident LLC owners, especially for USD→PKR transfers.
• Mercury / Relay — sometimes approve Pakistani founders, but case-by-case, and approvals can be revoked. Have a backup ready before you rely on them.
• Wise Business — scaled back USD business features for Pakistan; often not available. Confirm current status before counting on it.

What you'll need to apply

• A registered US LLC (Wyoming and New Mexico are popular for non-residents).
• An EIN from the IRS (Form SS-4 — no SSN needed).
• Your passport and proof of address.
• A US business address — a registered-agent or virtual address usually satisfies this.
• Sometimes a phone number and a short description of your business.

Always keep a backup account

Non-resident approvals can be declined or later revoked without much notice. Open at least two accounts from different providers so a single closure doesn't cut off your income. A common resilient setup pairs a bank-like account (Mercury or Relay) with a receiver (Payoneer or Wise).

Watch the currency conversion, not just the bank

Getting paid in USD only helps if you keep the value when converting to PKR. Mid-market providers like Wise and Airwallex typically beat card processors and traditional banks by 2–4% on the exchange. Over a year on freelance income, that's real money — compare the true cost before you pick a payout route.