Review the case
Share your company jurisdiction, ownership, residence, activity and payment needs. If an application was declined or an account restricted, include the institution’s actual request or decision and the relevant history.
Business bank account opening support
Check the account requirements against your company, owners and payment flows. Get help preparing the documents and coordinating the application.
Discuss my account requirements
The first discussion can identify requirements to check and gaps in the supporting evidence, including the history of a rejected application.
A registered company still needs an account
Banking support costs EUR 300 to EUR 3,000, depending on the case, and excludes bank deposits and the institution’s own fees. We offer it together with company formation, or as a separate service for an existing company after an initial assessment. The bank decides on the account; our fee covers the agreed preparation and coordination.
We help new and existing companies prepare business account applications. The work covers account requirements, supporting documents and follow-up requests, including cases where a previous application was declined.
Last checked: 6 November 2026, Aleksandar
Preparing and following up your application
Separate our support from account charges
Banking support costs EUR 300 to EUR 3,000, depending on the institution, the company and the work involved. The fee covers the agreed preparation, application support and follow-up, not the bank’s decision. Bank deposits, minimum balances, account fees and transaction charges are paid to the institution and are not part of our fee. If you formed the company yourself, tell us early: self-formed companies often do open an account, but some later get stuck without knowing why, and the bank freezes or closes the account.
Discuss my account requirementsOff-Shore.net, a service of Euro Commerce LLC, coordinates company formation, banking preparation and annual administration from contact offices in the United States and Serbia.Meet the people coordinating your case
Explain the business behind the payments
A bank may ask for an operating address, proof of the business activity or an explanation of a transaction you thought was straightforward. Another provider may decline the jurisdiction or the countries involved. Sending the same file to more institutions can leave those issues unresolved. The useful first step is to check whether the account requirements match your business and whether the evidence explains it clearly.
The owners and decision-makers
Banks need to understand who owns and controls the company, where those people live and who will operate the account. Complex ownership requires a clear explanation supported by records. Citizenship, residence and connected countries can affect eligibility before the application reaches a detailed review.
Evidence of the business
A business description should agree with the website, contracts, invoices and company documents. Explain what the customer receives and why the company is involved. For a new business, describe the planned activity accurately and distinguish projections from transactions that have already happened.
The transactions you expect
Set out incoming and outgoing countries, currencies, typical payment sizes and expected volumes. Include supplier payments, owner funding and marketplace settlements where relevant. This helps assess whether the account supports the intended use and what evidence the institution may request.
Documents that answer the actual request
An identification document, operating address, tax identifier and source-of-funds record each answer a different question. A registered-agent address may be unsuitable as proof of where you operate. We help organise the records around the institution’s requirements, including any certification or translation.
What your service can include
Account-requirements review
A review of the owner, company, activity and planned payments against the proposed account requirements.
Application preparation
Help completing application forms and organising corporate records, ownership evidence, the business description and source-of-funds documents.
Application coordination
Coordination with the institution and help with follow-up document requests within the agreed engagement. The institution controls the decision.
The proposal sets out the work, documents and third-party services for your case.
Choose the route that supports your transactions.
A bank account
Consider deposit protection eligibility, available currencies, transfer routes, minimum balances and any credit or trade-finance requirements. Services and acceptance criteria vary by bank and account type.
A payment or e-money account
This may suit day-to-day transfers, subject to the provider’s supported activities and countries. Check who holds the funds and how they are protected. Safeguarding and bank deposit insurance are different arrangements.
Card payments and marketplaces
A business account does not automatically give you merchant-processing approval. If you need card acceptance or marketplace payouts, the processor’s eligibility and settlement requirements must also fit the company.
The bank reviews the whole transaction picture
A bank evaluates the complete transaction picture. If the owner travels, customers are in one market and suppliers in another, the application must explain that pattern with contracts and records. Buying a different company certificate will not, by itself, fix a rejected business model.
The business behind the account
Your company- Owners
- Residence and who makes decisions
- Customers
- Where payments come from
- Suppliers
- Where the company sends money
- Activity
- What customers actually buy
Together, these facts explain why the company needs this account.
Account requirements and rejected applications
Can you guarantee approval?
No. The bank or payment institution decides whether to accept the application. Our role is to assess the requirements and help prepare a documented case. An introduction, company registration or complete application does not override that decision.
Can a non-resident apply remotely?
Some institutions support remote onboarding for eligible non-resident owners. Others require a meeting, video verification or certified documents. Availability depends on the company, the owners, the business and the institution’s current rules.
Can you help if I formed the company elsewhere?
Yes, we can review an existing company for banking support. Current corporate documents, ownership information and evidence of activity are needed. A company formed elsewhere is assessed against the same account requirements as a new setup.
What happens after an application is rejected?
We review the information available and consider whether missing evidence, eligibility or the chosen institution may explain the problem. Some institutions do not disclose detailed reasons. We then apply to another suitable bank, with the file corrected where that helps.
Is an EIN enough for a U.S. business account?
An EIN is one part of the documentation. Providers may also require formation records, ownership identification, operating-address details and business evidence. They can require an IRS-issued document confirming the number rather than the number alone.
Can you help with a frozen transfer or compliance review?
Off-Shore offers ongoing banking support, including assistance with information requests. Send the actual request and relevant transaction records so the situation can be assessed. The institution controls any restriction and the decision to release funds.
How long will the application take?
Document preparation and the institution’s review are separate stages. Additional ownership checks, certification or questions about payments can extend the process. Tell us about commercial deadlines early, but do not treat a proposed opening date as guaranteed.
Do you also assist with personal accounts?
Personal international banking can be reviewed separately. Residence, citizenship, account purpose, source of funds and expected balances matter. Corporate account eligibility does not automatically establish eligibility for a personal account.
Keep planning your company.
Compare jurisdictions
Choose a location around your business, owners and ongoing obligations.
Explore company services
See how formation, banking preparation and ongoing support connect.
Our approach
Meet the business behind Off-Shore and understand how a case is scoped.
Sources and further reading
Check the original requirements for your case. Rules, fees and provider policies can change.
Discuss your business account requirements
An application needs to explain the owners, activity and transactions as one coherent business. We help assess the requirements and prepare the agreed work; the institution decides the outcome. Describe the account you need and any request or rejection already received so the discussion starts with the actual obstacle.
Discuss my account requirements