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Revolut

EMI · not a bank

Multi-currency account + prepaid cards — behind a residence whitelist.

Official site

(ApplyRight field notes are being written)

Eligibility at a glance

Banking provided by
Lead Bank（FDIC 成员）
Requires SSN
No
Overseas operating address
No
Intl wire (out)
—
Virtual cards
TBD
Account manager
None

Best for

  • Founders residing in the US / EEA / UK / Singapore etc. with a US entity
  • Multi-currency spend and crypto-adjacent businesses (not exchanges)

Where it falls short

  • Applicant residence whitelist — mainland China, HK and Taiwan are NOT eligible
  • Needs proof of US physical presence + operating address
  • Client-funds handling prohibited; long unsupported-industry list

Only these countries qualify

AustraliaBrazilCanadaIndiaIsraelJapanMexicoNew ZealandSingaporeSwitzerlandUnited Arab EmiratesUnited KingdomUnited StatesEEA (excl. Bulgaria)

Restricted industries

WeaponsAdult contentAuctions / art dealingCannabisUnregulated / high-risk financial servicesDiplomatic / political entitiesGamblingQuasi-cashCharities / foundations / religious orgsUsed vehicles / heavy equipmentSpecial-purpose vehicles (SPVs)Streaming / arcadesEndangered wildlife productsPyramid / get-rich-quick schemesOil, gas & certain industrial sectorsCounterfeit goodsPrecious metals / gems dealingCrypto exchangeCrypto mining / investment / tradingICO providersCrypto on/off-ramps (incl. ATMs)Client money handlingStrategic export-controlled materials

Documents to prepare

  • A US-incorporated, operating company (no charities / public sector / co-ops) + EIN and legal name
  • Proof of US physical presence + operating address (last 3 months; home office OK with a relative's bill + signed consent)
  • Identity verification: video selfie + ID (non-US passport requires a US visa; or US passport / state ID / driver's licence / EAD / green card, valid ≥3 months)
  • Proof of nature of business (live website, invoices from the last 6 months with matching bank statements, a signed customer contract or supplier agreement, etc.)
  • A list of all directors and shareholders above 25%
  • Applicant residing in a whitelisted country (US, UK, EEA, Singapore, Japan, Canada, etc.)
Open the full checklist →
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