Revolut Business for US LLC: The Complete 2026 Setup Guide

Revolut Business US LLC is in 2026 one of the most powerful banking setups for modern entrepreneurs. In this Revolut Business US LLC guide you get all steps, prices, pros and cons at a glance – without marketing fluff.

How to combine a US LLC with Revolut Business as a European founder – real EU IBAN, USD routing for Stripe US, RevTag instant transfers, and 50+ currencies in 48 hours.

Published May 17, 2026 · By Christian Bech · 11 min read

Revolut Business US LLC – Why Revolut Business + US LLC is the optimal stack

For anyone looking into Revolut Business US LLC, this is the first step. We walk through every detail step by step.

A US LLC (typically New Mexico, Wyoming, or Delaware) is the gold standard for many European online entrepreneurs: no state income tax when structured properly, anonymous ownership records in NM and WY, low formation and renewal fees (from ~$50/year). The only real problem: getting a functional business bank account – and that is exactly where Revolut Business wins.

Since 2023, Revolut Business systematically accepts foreign-owned LLCs where the Ultimate Beneficial Owner (UBO) lives in the EEA. As a European citizen running a Single-Member LLC in New Mexico, you can usually open a fully functional business account in 24 to 72 hours – with a real EU IBAN, Visa/Mastercard debit card, and access to 30+ currency wallets.

Setup requirements

• Articles of Organization of your LLC
• EIN (Employer Identification Number) from the IRS – mandatory
• Operating Agreement, signed (required even for single-member LLCs)
• Passport of the UBO (you)
• Proof of address < 3 months old
• Business address – Registered Agent in the US

Pro tip: forming your LLC via Bizee (formerly IncFile) or Northwest gives you Articles + EIN in one bundle, with Registered Agent included – saving you the IRS fax dance.

Step-by-step: Revolut Business with US LLC

Step 1: Account creation

Open Revolut Business and select United States as the company country. You register as the European-resident UBO with your home phone and address.

Step 2: Entity type

Pick „Limited Liability Company“. Be specific in the activity description („Web Development Services“ or „E-Commerce Retail“) – vague terms like „Consulting“ trigger manual reviews.

Step 3: Document upload

Upload in this order: Articles of Organization → IRS EIN letter (CP575 or 147C) → Operating Agreement → Passport → Address proof. PDFs < 5MB, clean scans, no glare-y phone photos.

Step 4: Verification

Liveness check via selfie video matched against passport photo. Compliance review starts. With clean docs: 24–72 hours. Manual reviews up to 7 business days.

Step 5: First deposit & card

Once active: first deposit via SEPA from your personal Revolut using RevTag – seconds, not business days. Card (virtual on Basic, physical Metal on Grow+) works immediately in Apple/Google Pay.

RevTag: the cashflow advantage nobody talks about

The real hack most LLC influencers miss: with both Revolut Personal and Revolut Business, RevTag moves money between accounts in seconds – free, 24/7, even at 3 AM on a Sunday. No SEPA wait time, no „next business day“, no „by close of business“.

Three practical scenarios:

1. Liquidity management: Need to cover a large personal expense quickly. Move from LLC cashflow as Owner’s Draw, available privately in 4 seconds.
2. FX arbitrage between accounts: USD income in the LLC, need EUR personally. RevTag does FX at interbank rate and transfer in one step.
3. Clean expense splitting: Book a trip partly business. Instead of fronting and writing yourself a reimbursement, split via RevTag instantly – clean bookkeeping.

Deep dive: RevTag: Real-time money between Revolut accounts.

Which Revolut Business plan fits your LLC?

Most 1-person LLCs: Basic to start. Once you process Stripe payouts, supplier payments, or freelancer payments regularly, Grow pays for itself in the first month – the €15k FX at real interbank rate alone saves you 0.4 % per swap.

Revolut Business vs. Mercury – honest comparison

Mercury is often called the „standard“ in LLC communities. The uncomfortable truth from running both:

• Account opening speed: Revolut 24–72h, Mercury 5–14 days with higher rejection rates for non-US residents since 2024.
• International wires: Revolut cheaper SWIFT + better FX. Mercury free US wires but expensive international.
• EU receiving: Revolut gives you real EU IBAN. Mercury uses US routing, awkward for SEPA.
• Credit cards: Mercury IO offers 1.5 % cashback (clear win). Revolut has no real credit card for LLCs.
• App/UX: Revolut clearly superior – Mercury is desktop-first.

My recommendation: Revolut Business as daily driver, Mercury as backup for US-only wires. If you must pick one, Revolut wins for European LLC owners.

Tax treatment in Europe

Disclaimer: Not tax advice. Consult a CPA specialized in international tax.

As a European tax resident with a US Single-Member LLC, the LLC is usually a „Disregarded Entity“ – the US treats it as a sole proprietorship of the owner. Everything taxable lands in your country of residence: income tax, possibly VAT.

The Revolut Business account in the LLC name is reportable as a foreign business interest in most EU jurisdictions and is treated like a business account of your local entity. Clean bookkeeping, archived receipts, done.

Frequently Asked Questions