What Wise asks a US company for, which addresses it accepts in each slot, where it doesn't operate and what it charges, taken from Wise's own help pages. Wise reviews every business and makes the decision.
This is our summary, not Wise's. Its rules can change, so its own pages are the final word.
address sorterWise's own wordsWhere can this address go?
It could be the address of the registration agency you used or the one of your attorney.Wise Help Centre
This address has to be a physical location, we can't accept … Registration agenciesWise Help Centre
Wise's US verification article lists these details. What it asks for varies by company type, and it may email you for more.
US businessBusiness name, company type and EIN, plus a registered and a trading address. An SSN or TIN is asked only of sole proprietors. Wise also asks what you sell, your website if you have one, why you want the account and your expected monthly volumes. How do I verify my US business?
Anyone who directly or indirectly owns 25% or more, or controls the company, plus one designated controller. Wise takes only individual people, not companies. It asks for an SSN from owners who live in the US or hold a US passport, and a photo ID from non-US owners. How Wise verifies UBOs
The ID must show your full name, a clear photo and your date of birth, be unexpired, and have its document number and machine-readable code visible, with nothing hidden. How does Wise verify my identity?
Wise captures most details at sign-up and emails you if its team needs papers. If you're not a director, you'll need proof you can open the account, such as a signed letter of authorisation. Wise says not to send documents unless it asks. How can I verify my business?
Wise says the trading address must be a physical place where you actually run the business, and it will eventually ask for a document that proves it.
A clear photo or PDF showing the business or owner's name, the full trading address, an issue date and the sender's name or logo.
Bills, statements, licences and registration documents must be under 3 months old; others, such as tax bills and insurance policies, under 12 months. How does Wise verify my business address?
Wise calls this common. A significant owner or director of a company such as an LLC can use a document in their personal name, like a utility bill, bank statement or tenancy agreement, as long as its address matches the trading address on the Wise account.
Three kinds of limits: US states and territories, countries, and business activities. Wise says its lists can change and aren't exhaustive.
Wise says that due to licensing limitations it can't onboard businesses from Nevada or the US territories: American Samoa, Guam, the Mariana Islands and the Virgin Islands.
Wise's help article says businesses “from” Nevada and its blog says businesses “located in” Nevada. Ask Wise if either applies to you. US verification
Your trading address must be in a country where Wise supports Wise Business. Wise doesn't operate in Afghanistan, Belarus, Burundi, Central African Republic, Chad, Congo, Democratic Republic of the Congo, Cuba, Eritrea, Iran, Iraq, North Korea, Libya, Myanmar, Somalia, South Sudan, Russia, Sudan, Syria, Yemen, Venezuela, and the Ukrainian regions of Crimea, Donetsk, Luhansk, Kherson and Zaporizhzhia.
You can't log in, register or send and receive money from these places. Where can I use Wise?
A selection. Read the full Acceptable Use Policy and Can my business use Wise?
The order of work and the US business fees Wise publishes. Its pricing page is the one to check before you pay.
Sign up and describe the business: registration number, both addresses, industry, website and the key people.
Pay the one-time set-up fee or set up your first transfer. Wise says this triggers its main verification review.
Wise runs an initial review from what you entered.
If it needs more, its verification team emails you from a Wise.com address with an upload link.
Wise says the extra review usually takes up to 10 working days. Review times vary; Wise sets them. Verification steps
The business verification article says the extra review usually takes up to 10 working days. The UBO article says Wise aims to get back to you in 5 working days. Neither is a promise, so plan for the longer one. How Wise verifies UBOs
New team members also need to be verified when you add them, Wise's blog notes.
From Wise's US business pricing. Wise says the USD details aren't a bank account and aren't available in some regions. For business USD details with a routing number starting 026, it lists a receiving limit of 50 million USD per transaction and per day. USD account details · Receiving limits
We can prepare the company-side documents. We can't apply for you or influence Wise's decision, and no address product can promise approval.
We form LLCs and C-Corps for non-US founders, online and without an SSN. You get the state-filed document Wise may ask for as proof of registration. Forming from abroad
Wise asks US companies for an EIN. The IRS issues it for free; our paid help prepares the application. EIN service
Wise says the registered address could be the registration agency you used. It can't be your trading address, so you'll still need a real place of business. Registered agent
Wise wants the trading address to be where you work every day, and it doesn't accept virtual offices, virtual addresses or mail forwarding services there. Our lease-backed address doesn't ensure Wise approval, and Wise decides how it classifies any address. Registered agent vs. business address
Non-US owners, the two addresses, US state limits, fees and what Registate can and can't do for your application.
Wise's US verification article plans for it: it asks for an SSN only from beneficial owners who live in the US or hold a US passport, and for a photo ID from non-US owners. Your trading address must be in a country where Wise supports Wise Business, and Wise reviews every application and decides.
As the registered address, yes. Wise says it could be the address of the registration agency you used or of your attorney. It can't be your trading address: Wise doesn't accept registration agencies, PO boxes, mail forwarding services or virtual addresses there.
Wise says the trading address can be a home, and that the registered and trading addresses can be in different countries. The country must be one where Wise supports Wise Business, and Wise then offers only services available in both countries.
No. Wise says licensing limitations stop it from onboarding businesses from Nevada and the US territories of American Samoa, Guam, the Mariana Islands and the Virgin Islands.
Wise's US business pricing page lists free registration, a one-time 31 USD fee for account details in 22 currencies, free ACH receiving and 6.11 USD per incoming USD wire or Swift payment. Fees can change, so check the pricing page before you pay.
No. Wise wants the trading address to be where you actually work every day, and it doesn't accept virtual offices or mail forwarding services there. Our address doesn't ensure approval; Wise decides how it classifies any address.
Sources, checked September 2026: Wise Help Centre, pricing and legal pages. How do I verify my US business? · How does Wise verify my business address? · How can I verify my business? · Can my business use Wise? · Where can I use Wise? · How does Wise verify my identity? · How Wise verifies UBOs · USD account details · Receiving fees and limits · US business pricing · Acceptable Use Policy · Wise Business requirements in the US (Wise blog)
In Wise's words: “Wise is not a bank, but a Money Services Business (MSB) provider.” Registate isn't a bank and doesn't make account decisions. Compare other options on Banking or read the Relay requirements.
Registate's address product doesn't ensure Wise approval.
