Can a company registered outside the US open a Mercury account?

No. As of October 2026, Mercury says your company must be formed and registered in the United States or a U.S. territory, and have existing or planned operations in the US. The founders don't have to be US citizens or residents, but Mercury can't open accounts for founders who live in the countries on its prohibited list.

From Align vs Mercury: business accounts for companies outside the US, by . Updated .

The wider picture

The key points from the guide this answer comes from:

  1. Mercury opens accounts only for companies formed and registered in the US or a US territory. A company registered elsewhere has to form a US entity first.
  2. For a US company with US operations, Mercury is often the better fit: free ACH and domestic wires, cards, bill pay and accounting integrations.
  3. Mercury holds only USD, in fiat: it has no EUR or GBP accounts and doesn't describe receiving stablecoins.
  4. Align opens named USD accounts for companies outside the US, with ACH and wire details, plus EUR, GBP and AED, and money received lands as USDC or USDT, or as EURC for euros.

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The full guide

Mercury opens accounts only for companies formed in the US or a US territory, so a company registered elsewhere has to form a US entity first. Align opens named USD accounts with ACH and wire details for companies based outside the US, plus EUR, GBP and AED, and money received lands as USDC or USDT, or as EURC for euros.

Read Align vs Mercury: business accounts for companies outside the US, with its sources.

General information, not legal, tax or financial advice. Rules and providers' terms change; check the sources in the guide and take advice on your own situation.

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