Common questions about EINs

No, you don’t need a Social Security Number (SSN) to start an LLC or apply for an EIN as a non-resident.

Once the IRS issues an EIN, it cannot be canceled except by dissolving or merging the entity. Even if unused, the EIN remains permanently assigned to that business.

No. Applying for an EIN directly via fax, mail, phone, or online (if eligible) is completely free with the IRS. If you choose to use a third-party service, they may charge a fee for their assistance.

You generally should form your LLC first and receive your Articles of Organization before applying for an EIN. The IRS uses those to verify your business structure. Missing or mismatched info may lead to delays or rejection.

In general, you don’t need to have your LLC formation documents notarized—filing the Articles of Organization with the Secretary of State is typically good enough.

If you’ve lost your EIN, check your original confirmation letter from the IRS, which was issued when your EIN was assigned or you could contact your registered agent. You might also find your EIN on past tax returns, bank account documents, or other official business documents.

If those aren’t available, you can call the IRS at 800-829-4933 to find your missing EIN. As the business owner, be prepared to verify your identity and company details.

While the online EIN application requires an SSN or ITIN, applying by fax or by mail is specifically designed for foreign business owners.

An EIN is a type of Tax Identification Number (TIN), but not all TINs are EINs. The term “Tax ID Number” is a broad category that also includes Social Security Numbers (SSNs), Individual Taxpayer Identification Numbers (ITINs), and EINs.

To apply for an EIN for your LLC, you can use the IRS’s online EIN application tool, which is the fastest and easiest way if you are a US citizen or resident. If you’re a non-resident, you’ll need to apply by fax or mail using IRS Form SS-4.

If you’re forming an LLC from outside the US, you’ll need: A valid passport for identification, a US business address (which can be separate from the business address in your home country), and a registered agent with a physical address in the state where you’re forming the LLC.

You’ll also need to file the Articles of Organization and get an Employer Identification Number from the IRS. Depending on the state and your business type, you might also need an operating agreement.

Companies like Mercury, Adro, Relay and Wise are all options for international business owners and founders outside the US. From there, you can connect your US dollar account to other services such as Stripe, PayPal and QuickBooks.

Many US banks often require an in-person branch visit to open a business account, which means booking an expensive flight. Other companies like Adro, that specialize in working with non-US business owners, offer an online sign up process for deposit-insured business accounts that don’t require you to physically be in the US.

Wise offers multi-currency accounts with local bank details in the US, so you can send, receive, and hold money globally with low fees. Brex caters to startups with cash management accounts and corporate cards. Both services make it possible to operate a US business without a physical presence.

Yes, you can use Stripe for your US business as a non-resident or foreign founder. You’ll need to form a US business entity (typically by registering an LLC or C Corporation), get an Employer Identification Number (EIN) from the IRS, and set up a US business bank account, address and phone number.

Traditional US banks offer a wide range of financial services with strong regulatory backing, physical branches, and long-standing customer trust but they often come with slower processes, more paperwork, and stricter requirements. Fintechs are digital-first platforms that prioritize convenience, speed, and innovation. Fintechs offer services like instant online account setup and direct integrations with business tools. While banks provide stability and security, fintechs excel in flexibility and user experience, which makes them appealing to startups and entrepreneurs.

Try to focus on business credit cards that accept applications with just an EIN, since many card issuers will require a US Social Security Number. Look for providers that specialize in working with international business owners, such as Adro or Brex.

As a foreign business owner, make sure whoever you choose allows remote onboarding and supports non-resident documentation, such as a passport. Some platforms may require a US partner or registered agent, so reviewing the eligibility criteria is key.

Not usually. PayPal and Stripe typically require valid US banking information for payouts. Many international sellers wait to receive their EIN and open a US bank account before linking those services.

Yes. US fintech providers are subject to IRS regulations and may send 1099 forms or report certain transactions, just like traditional banks. Make sure to track taxable income accordingly.

You may lose access to business funds or recurring transactions. This risk is one reason most business owners still prefer FDIC-insured US checking accounts, such as accounts offered by Adro.

Yes, even if you don’t live in the US, you’ll generally need to file tax forms if you own a US-based LLC. Even if no tax is owed, filing is still required for your business to stay compliant and avoid penalties.

How does owning an LLC affect my personal tax obligations as a foreign entrepreneur?

QuickBooks and Xero are popular choices with robust features and international support. If you’re just starting out as a business owner, Wave and FreshBooks are also good options. To help make things easier, when looking for a business bank account choose one that offers direct integration with your preferred accounting tools.

Hiring a US-based accountant is highly recommended if you have a foreign-owned LLC. Federal and state tax rules for non-resident business owners can be pretty complicated, and missing key filings can lead to fines and penalties.

Not automatically. Foreign‑owned LLCs may have US filing obligations (like a Form 5472), but you’re only taxed on US-sourced income. Check IRS rules or consult a tax professional for your specific case.

Yes. You can open and use a US business account anytime after forming your LLC and obtaining an EIN. Your annual filings won’t block your bank access, but must be filed later.

Yes, you are allowed to register an LLC in the United States without a US passport or visa. You’ll need to choose a state (like Delaware or Wyoming), hire a registered agent with a US address, file your Articles of Organization, and apply for an Employer Identification Number (EIN) from the IRS. While you don’t necessarily need a visa to form the LLC, you would need one if you plan to live or work in the US physically.

Not necessarily. A few US fintech providers accept foreign passports and an international proof of address. You don’t need a US visa or an in‑person visit if you open a business account with companies like Adro, which offers a 100% remote sign-up process.

You can use your foreign passport plus certified documents (e.g., marriage certificate or court order). Some fintechs accept notarized translations and verified international documents.Remove term: