【文章标题】：Show HN: Banking Access Index – 19 US banking providers, 8 countries, CC-BY 【文章标题】：Show HN：银行服务准入指数——19家美国银行服务提供商，8个国家，CC-BY协议
【文章正文】： 【文章正文】：
US Banking Access Index for Non-Resident Founders (2026) 非美国居民创始人美国银行服务准入指数（2026年）
Which US business banking providers actually accept founders who live outside the US — documented from provider-published sources, not anecdotes. 19 providers, 239 claims that survived independent re-verification against the original source pages. Where a provider publishes nothing, the cell says so instead of guessing. 究竟哪些美国商业银行服务提供商真正接受居住在美国境外的创始人——记录均来自服务提供商官方发布的来源，而非道听途说。涵盖19家服务提供商，239项声明均经过与原始来源页面的独立重新验证。若服务提供商未发布任何信息，表格单元格会如实注明，而非凭空猜测。
JSON carries the full evidence quotes · CSV is the acceptance matrix JSON文件包含完整的证据引文 · CSV文件为准入矩阵
Provider country lists change without notice 服务提供商的国家名单变更恕不另行通知
Re-verified quarterly against the source pages. Leave an email to get the diff when cells change — which providers opened, which closed, with the new source quotes. 每季度根据来源页面进行重新验证。留下您的电子邮箱，以便在单元格内容发生变化时获取差异报告——了解哪些服务提供商开放了准入，哪些关闭了准入，并附带新的来源引文。
How to read this table 如何阅读此表格
“No published policy found” is four different situations “未找到已发布的政策”分为四种不同情况
39 of the 152 country cells resolve to unknown. Reviewing them together showed they were not one state but four, and the difference changes what you should do next — so every unknown cell now carries a second field naming which one it is, and a citation recording where we looked. “We could not find it” is only useful to you if you can see where we searched. 152个国家单元格中有39个结果为未知。综合审查后发现，这并非单一状态，而是分为四种情况，这种差异会影响您接下来的行动——因此，每个未知单元格现在都包含第二个字段，指明具体属于哪种情况，并附有引文记录我们的查找位置。“我们找不到”只有在您能看到我们搜索过哪里的情况下才对您有用。
“Explicitly restricted” is three different situations “明确限制”分为三种不同情况
61 cells resolve to restricted, and only 9 of them name the country on a published prohibited list. In 40, the provider names no country anywhere — the bar comes from a blanket rule such as “US citizens or permanent residents only”. The answer you get is the same in both cases, and it is correct in both. What differs is how much is published about you specifically, which is what you need if you plan to ask the provider or appeal. So each restricted cell now names its evidence type too. 61个单元格结果为受限，其中仅有9个在已发布的禁止名单中明确列出了国家名称。在另外40个单元格中，服务提供商在任何地方都未提及具体国家——限制源于诸如“仅限美国公民或永久居民”的一刀切规定。在这两种情况下，您得到的答案是相同的，且都是正确的。不同之处在于针对您具体情况发布的信息量，而这正是您打算向服务提供商咨询或申诉时所需要的。因此，每个受限单元格现在也标明了其证据类型。
Acceptance by country of residence
| Provider | Non-resident stance | Details | India | China | UK | Canada | Pakistan | Nigeria | Turkey | Brazil |
|---|---|---|---|---|---|---|---|---|---|---|
| Mercury | Accepts non-resident founders | ○ | ○ | ○ | ○ | ✕ | ✕ | ○ | ○ | |
| Relay | Conditional | ○ | ○ | ✓ | ✓ | ✕ | ✕ | ○ | ○ | |
| Wise Business | Conditional | ✕ | ✕ | ✓ | ✓ | ✕ | ✕ | ✕ | ✕ | |
| Payoneer | Accepts non-resident founders | ✓ | ✓ | ✓ | ✓ | ✓ | — | — | — | |
| Brex | Conditional | — | — | — | — | — | — | — | — | |
| Novo | US residents/persons only | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | |
| Bluevine | Conditional | ✓ | — | ✓ | ✓ | — | — | — | — | |
| Found | US residents/persons only | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | |
| Lili | Conditional | ✓ | ✓ | ✓ | ✓ | ✕ | ✕ | ✕ | ✓ | |
| NorthOneSuperseded | US residents/persons only | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | |
| Airwallex (US) | Accepts non-resident founders | ○ | ○ | ○ | ○ | ✕ | ✕ | ✕ | ○ | |
| Slash | Accepts non-resident founders | ○ | — | — | — | ✕ | — | — | — | |
| Meow | Conditional | ✓ | ○ | ✓ | ✓ | ○ | — | ✓ | ✓ | |
| Rho | Conditional | ○ | ○ | ○ | ○ | ○ | ○ | ○ | ○ | |
| Revolut Business | Conditional | ✓ | ✕ | ✓ | ✓ | ✕ | ✕ | ✕ | ✓ | |
| Grasshopper Bank | US residents/persons only | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | |
| Chase Business Banking | Conditional | — | — | — | — | — | — | — | — | |
| Bank of America Small Business | US residents/persons only | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | |
| Wells Fargo Business Banking | US residents/persons only | — | — | — | — | — | — | — | — | |
| 按居住国划分的准入情况 | ||||||||||
| 服务提供商 | 对非居民的态度 | 详情 | 印度 | 中国 | 英国 | 加拿大 | 巴基斯坦 | 尼日利亚 | 土耳其 | 巴西 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Mercury | 接受非居民创始人 | ○ | ○ | ○ | ○ | ✕ | ✕ | ○ | ○ | |
| Relay | 有条件接受 | ○ | ○ | ✓ | ✓ | ✕ | ✕ | ○ | ○ | |
| Wise Business | 有条件接受 | ✕ | ✕ | ✓ | ✓ | ✕ | ✕ | ✕ | ✕ | |
| Payoneer | 接受非居民创始人 | ✓ | ✓ | ✓ | ✓ | ✓ | — | — | — | |
| Brex | 有条件接受 | — | — | — | — | — | — | — | — | |
| Novo | 仅限美国居民/人士 | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | |
| Bluevine | 有条件接受 | ✓ | — | ✓ | ✓ | — | — | — | — | |
| Found | 仅限美国居民/人士 | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | |
| Lili | 有条件接受 | ✓ | ✓ | ✓ | ✓ | ✕ | ✕ | ✕ | ✓ | |
| NorthOneSuperseded | 仅限美国居民/人士 | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | |
| Airwallex (US) | 接受非居民创始人 | ○ | ○ | ○ | ○ | ✕ | ✕ | ✕ | ○ | |
| Slash | 接受非居民创始人 | ○ | — | — | — | ✕ | — | — | — | |
| Meow | 有条件接受 | ✓ | ○ | ✓ | ✓ | ○ | — | ✓ | ✓ | |
| Rho | 有条件接受 | ○ | ○ | ○ | ○ | ○ | ○ | ○ | ○ | |
| Revolut Business | 有条件接受 | ✓ | ✕ | ✓ | ✓ | ✕ | ✕ | ✕ | ✓ | |
| Grasshopper Bank | 仅限美国居民/人士 | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | |
| Chase Business Banking | 有条件接受 | — | — | — | — | — | — | — | — | |
| Bank of America Small Business | 仅限美国居民/人士 | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | ✕ | |
| Wells Fargo Business Banking | 仅限美国居民/人士 | — | — | — | — | — | — | — | — |
Hover any cell for the underlying note. Country columns describe the founder’s country of residence, not the LLC’s state of formation. Full evidence quotes are in the JSON download and in each provider’s detail card below. 将鼠标悬停在任意单元格上可查看底层备注。国家列描述的是创始人的居住国，而非有限责任公司的注册州。完整的证据引文请见JSON下载文件及下方各服务提供商的详情卡片。
Details column — one icon per dimension of the provider’s card: owner ID, account rails, receiving from abroad, card issuance, onboarding, phone & 2FA. Color tracks the published state: green = published positive, amber = conditional or partial, red = published restriction, gray = no published statement. Hover for the value; click to jump to the cited sources. 详情列——服务提供商卡片的每个维度对应一个图标：所有者身份验证、账户通道、海外收款、卡片发行、开户流程、手机验证与双重认证。颜色追踪已发布状态：绿色 = 已发布正面信息，琥珀色 = 有条件或部分支持，红色 = 已发布限制信息，灰色 = 无已发布声明。悬停查看具体值；点击跳转至引用来源。
Shortlisted a provider? Compare fees, FDIC structure, and features side by side → 已将某服务提供商列入候选名单？并排比较费用、FDIC保险结构和功能 →
Provider details and sources 服务提供商详情与来源
Mercury Fintech Reading notes (6) Mercury 金融科技公司 阅读笔记（6）
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Country entries marked ‘no published restriction’ reflect absence from Mercury’s prohibited-countries list only; Mercury states eligibility is determined following a full review of each application, and no page affirms acceptance for any specific residence country.
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标记为“无已发布限制”的国家条目仅反映其未出现在Mercury的禁止国家名单中；Mercury声明资格需在全面审查每份申请后确定，且没有任何页面确认接受任何特定居住国的申请。
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The list runs to 48 countries plus 4 sanctioned regions and reaches well past the eight columned in this index; it is scoped to where a founder LIVES, not to citizenship. A reader whose country has no column here learns nothing from that absence — read the linked list. Named on it and not columned: Indonesia, the Philippines, Vietnam, Bangladesh, Nepal, Venezuela and Angola, and — against the assumption that Europe is safe — Albania, Croatia and Latvia, the last two EU member states (verified against the list 2026-07-15).
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该名单多达48个国家加4个受制裁地区，远超本指数所列的8个国家；其范围针对的是创始人居住地，而非国籍。如果读者的国家未在此列出专栏，并不能从这种缺失中得出任何结论——请阅读链接名单。名单上列出但未设专栏的国家包括：印度尼西亚、菲律宾、越南、孟加拉国、尼泊尔、委内瑞拉和安哥拉，以及——打破欧洲绝对安全这一假设——阿尔巴尼亚、克罗地亚和拉脱维亚，后两者为欧盟成员国（已于2026年7月15日根据名单核实）。
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Mercury’s published residence restrictions are stated for founders and financial controllers; no published statement addres
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Mercury已发布的居住限制针对创始人和财务主管；尚无已发布声明涉及