How to Open a Bank Account in USA from Pakistan | Zyla, Chase, Wise
Why Open a US Bank Account from Pakistan?
Having a US bank account gives Pakistani entrepreneurs, freelancers, and e-commerce sellers access to:
✔ Easy international
transactions
✔ Lower currency conversion fees
✔ Seamless payments from US clients &
marketplaces
✔ Faster fund transfers to Pakistan
✔ More credibility for your US LLC or business
Whether you're running an LLC in the USA or need a personal bank account, this guide will show you the best US banking options for non-residents.
Best Banks for Non-Residents to Open a US Account
Here are the top banks and fintech platforms that allow Pakistanis to open a US bank account remotely or with minimal travel.
1. Zyla Bank – Best for Non-Resident LLC Owners
✔ Easy US LLC banking – Works for businesses registered in Wyoming, Delaware, Florida
✔ Remote account opening – No need to visit the US✔ Fast international payments – Supports Payoneer, Wise, and wire transfers
✔ Low fees & no hidden charges2. Chase Bank – Best for Physical Banking in the USA
✔ Top choice for US businesses & LLCs
✔ Wide network of physical branches
✔ Strong business banking services
✔ Good for Pakistani entrepreneurs visiting the US
📝 Requirements:
- Must visit a Chase branch in the USA
- Provide LLC registration documents (if opening a business account)
- US mailing address (can be a virtual address)
3. Wise (Formerly TransferWise) – Best for Online Banking & Transfers
✔ Multi-currency account – Hold USD, PKR, GBP, EUR
✔ Virtual US bank details – Receive payments like a US citizen
✔ Low transfer fees – Cheaper than PayPal
✔ No physical visit required – 100% online banking
📝 Requirements:
- Valid passport & Pakistani CNIC
- Proof of address in Pakistan
Step-by-Step Guide to Opening a US Bank Account from Pakistan
Step 1: Choose the Right Banking Option
- For Business (LLC Owners) – Zyla, Chase, Mercury
- For Personal Banking – Wise, Payoneer, Revolut
Step 2: Prepare Your Documents
- Passport & CNIC (For identity verification)
- LLC Formation Documents (If opening a business account)
- US Address (Virtual or Real) (For banking correspondence)
Step 3: Apply Online or Visit a Branch
- Zyla & Wise – Apply online, submit documents digitally
- Chase Bank – Visit a US branch for in-person verification
Step 4: Fund Your Account & Start Using It
- Transfer an initial deposit (if required)
- Connect PayPal, Stripe, or Amazon Seller Accounts
- Start receiving and sending payments
Cost of Opening a US Bank Account from Pakistan
| Banking Option | Account Opening Fee | Monthly Maintenance Fee | Availability for Pakistanis |
|---|---|---|---|
| Zyla Bank | $0 | $0 | ✅ Yes, online registration available |
| Chase Bank | $25-$100 (min deposit) | $15 (waivable) | ❌ Requires US visit |
| Wise | $0 | $0 | ✅ Yes, fully online |
| Mercury Bank | $0 | $0 | ✅ Yes, for LLC owners |
Benefits of Having a US Bank Account for Your LLC
✔ Easier Client Payments – Accept USD payments directly
✔ Stripe & PayPal Integration – Get verified quickly
✔ Lower Transaction Fees – Compared to Pakistani banks
✔ Better Business Credibility – Look more professional to US customers
🚀 Pro Tip: If you own an LLC in the USA, a business bank account is necessary to keep personal and business finances separate.
