Where Wise Business Isn't Available: US Dollar Account Options for Founders Outside Wise's Supported Countries (2026)
Wise Business issues US dollar account details based on the address a business registers, and in dozens of countries it won't issue them at all. Slash, Payoneer and Airwallex can still give a company a US account number to get paid into where Wise stops. Which one works depends on the country the company is incorporated in.
Wise publishes the gaps itself. Its help center lists the countries where you can't get USD account details, including Nigeria, Pakistan, Türkiye, the United Arab Emirates and Sri Lanka. A second list limits Bahrain, Israel and Malaysia to personal accounts, so businesses there can't hold a balance at all.
Slash, a financial platform for businesses, runs the Slash Global Account³ for companies incorporated abroad. It gives a registered business in over 130 countries a US account and routing number with no US entity, SSN or EIN, and several of the countries on Wise's lists are among them.
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Key Takeaways
- Wise won't issue USD account details to a business with an address in Nigeria, Pakistan, Türkiye, the UAE, Sri Lanka, Serbia or Bangladesh, among others.
- Wise holds money for Bahrain, Israel and Malaysia only in personal accounts, and it has paused new currencies and account details for customers in Thailand.
- Slash's region pages list Nigeria, the UAE, Sri Lanka, Türkiye, Malaysia and Egypt among the more than 130 countries where the Slash Global Account accepts registered businesses.
- Payoneer charges 1% to receive into a USD receiving account when dollars aren't your local currency, plus $29.95 a year if the account receives under $6,000 in 12 months.
- Airwallex onboards businesses registered in 69 listed countries and territories, including Malaysia, Israel, Thailand, Indonesia and Vietnam.
Where Does Wise Business Stop, and What Should Replace It?
Wise sets its coverage in three published lists, and a business has to clear all three. The first covers places where Wise offers no service at all, 21 countries including Iran, Russia, Syria and Venezuela, plus five occupied regions of Ukraine. Slash excludes sanctioned jurisdictions too, so neither provider is an option there.
The second list sets where you can hold money with Wise, and it names 79 countries and territories. Indonesia, Egypt and Vietnam are not on it, so a business registered there gets no Wise balance and no account details to be paid into. The same page limits Bahrain, Israel and Malaysia to personal accounts and records a pause on new account details in Thailand.
The third list is specific to US dollars. It names the places where a business address rules out USD account details, the five named above among them, plus Serbia, Bangladesh and Cameroon. China is on it too, even though Wise holds other currencies for businesses there.
The table below lists the countries where Wise stops or restricts business accounts, checked against Slash's region pages, Airwallex's eligibility list and the barred list of Rain, the card issuer behind the Slash Global Card.
Five checks decide whether an alternative can take Wise's place for your business.
- Your country on the provider's own list. Check the country of incorporation against the provider's published list, because every provider below decides eligibility differently.
- A routing number that accepts ACH. Amazon's US marketplace pays sellers by ACH and not by USD wire, so an account that only takes SWIFT misses those payouts.
- What the balance is. An e-money balance, a payment account and a stablecoin balance each carry different protections, so check which one a provider holds before you hold revenue in it.
- A card on the same balance. A card that spends straight from the dollar balance saves moving money to a local bank before every purchase.
- What receiving costs per payment. A flat fee per wire, a percentage per deposit and a one-time setup fee produce very different totals at the same volume.
1. Slash: USD Account Details Where Wise Business Stops
Slash's Global Account reaches many of the companies Wise turns away because of where they are registered. Slash lists the countries of incorporation it accepts on region pages for the Middle East and Africa, Asia-Pacific, South Asia and Europe, and every country in the table above appears on one of them. A business applies with proof of incorporation in its home country, a business address and a passport for each beneficial owner, and the application goes through Slash's own compliance review.
The balance is held in USDC. It is not a bank deposit and is not FDIC insured. Slash does not custody it, and digital-asset transfers can be irreversible. A founder who would rather form a US LLC can apply instead for Slash business banking¹, a separate account for US-registered companies.
Ethan Chriss, Head of Global Accounts at Slash, explains why the account skips the US entity. "If I don't need to have a U.S. entity, I shouldn't need to have a U.S. entity," he said. "With this product, I get access to some of the benefits of a U.S. bank account without having to have that business here in the U.S."
What the Account Gives a Business Outside the US
- A US account and routing number. Receive ACH, domestic wires and international USD wires, including payouts from Stripe, Shopify and Amazon, and send by ACH or domestic wire.
- Stablecoin transfers. Send and receive USDC and USDT across supported networks⁴ including Ethereum, Solana, Base, Polygon and Tron. Transfers are near-instant once confirmed on-chain.
- Invoicing into the same balance.Send an invoice with an embedded payment link that a US client pays by bank transfer or stablecoin.
- A card that spends the balance. The Slash Global Card is a Visa issued through Rain, physical or virtual, with per-card limits and merchant restrictions. It needs a second application after the account is approved, and Rain sets its own country list.
- Room for on-chain businesses. Slash names crypto-native companies among the account's intended users and runs a page for web3 businesses, a category Wise Business does not accept.
Kevin Bai, Co-Founder and CTO of Slash, describes who the account is built for. "It's really for a lot of import exporters, a lot of companies that do foreign trade," he said. "It's also for countries in which the currency isn't amazing where you would want the US banking option."
What It Costs
The Global Account is a separate application from Slash's US plans, and Slash does not publish a fee table for it. Its help center says fees depend on the transfer method and your Slash plan, and the dashboard shows each fee before you confirm a transfer. Converting between stablecoins and dollars carries Slash's 1.5% platform conversion fee.
Ask the sales team for the fees that apply to your country and the payment methods you plan to use. A quote against your real payment mix is the number to compare with Payoneer's percentage.
2. Wise Business: Free ACH Receiving and $6.11 per Incoming Wire
A business in a country Wise covers can hold 40+ currencies and get account details in 22 of them. Wise's business pricing page lists a one-time setup fee of $31, free USD receiving by ACH, and a fixed $6.11 for each incoming USD wire or Swift payment. Conversion starts from 0.23%, at the mid-market rate. That $31 fee varies by the country the business is registered in, and Wise refunds it if verification fails.
Wise Business does not accept businesses involved in cryptocurrency. It also needs a physical trading address in a country it supports. When the registered and trading addresses are in different countries, Wise offers only the services available in both, so a company registered in the UK and run from Lagos gets no USD account details. Wise's own help page on USD details says they work like a bank account without being one.
3. Payoneer: A 1% Fee to Receive USD Into a Receiving Account
Payoneer says it works across 190+ countries and territories and gives local receiving details in 13 currencies, USD among them. Amazon, eBay and Walmart pay into the USD details by ACH.
The pricing is a percentage. Receiving into a USD account when dollars aren't your local currency costs 1% with a $1 minimum, a client paying by card costs up to 3.99% plus $0.49, and withdrawing to a bank account in another currency costs 1.2% to 4%. An annual fee of $29.95 applies when the account receives less than $6,000 in any 12 months.
A receiving account only takes money in. Payoneer says its receiving accounts are not actual bank accounts and cannot be charged. Its help center adds that when Stripe tries to pull a refund from one, Stripe marks the account invalid and asks for new bank details. A company whose Stripe balance can go negative needs a second account Stripe is allowed to debit.
4. Airwallex: Applications From 69 Listed Countries and Territories
Airwallex processes applications only from businesses registered in 69 listed countries and territories. Five of them, Malaysia, Israel, Thailand, Indonesia and Vietnam, are places where Wise Business holds no business balance or has paused account details.
Airwallex charges a Malaysian business no monthly account fee and gives it Global Accounts with local details in 20+ currencies, USD among them. Conversion costs 0.4% above the interbank rate for USD and the other major currencies it lists, or 1.0% for the rest. Local transfers out are free and SWIFT transfers cost 30 to 90 MYR. Cards, expense management and a Xero or QuickBooks sync come in the same account.
Nigeria, Cameroon, Egypt, the UAE, Türkiye, Sri Lanka and Serbia are not on Airwallex's list, which rules it out for most of the countries in the table above.
Side-by-Side Comparison
Provider figures reflect publicly published information as of September 2026 and are subject to change.
How to Choose a USD Account When Wise Says No
- Start with Wise's own lists. If your country is on Wise's hold-money list and off its USD exclusion list, Wise charges nothing to receive by ACH and a flat $6.11 per wire.
- Then check your country on each alternative's list. Airwallex publishes a list of 69 countries and territories, and Slash lists its countries by region. A country missing from a provider's list means that provider won't onboard you.
- Confirm the routing number in Pakistan or Bangladesh. Slash's South Asia page lists both countries. A partner country table linked from Slash's help center shows no US ACH or Fedwire for either, so ask what a business there can receive before you apply.
- Price the receiving fee at your volume. A business collecting $20,000 a month by ACH into a Payoneer USD receiving account pays 1%, which is $200 a month or $2,400 a year, before any withdrawal fee.
- Check the card separately. Rain bars Global Card issuance in Türkiye, Israel and Vietnam, so a business there can hold the account and still need another way to spend.
Conclusion
Wise Business stops at its exclusion lists, and once a founder's country is on one of them, the choice depends on that country. Airwallex stops at its 69 listed countries and territories, and Payoneer's USD receiving accounts charge 1% and can't be debited.
The Slash Global Account covers the countries Wise leaves out that Airwallex also skips, including Nigeria, the UAE, Sri Lanka, Türkiye and Egypt. It puts a US routing number and stablecoin transfers on one balance, with a card wherever Rain doesn't bar it.
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FAQs
1. Which countries can't get Wise Business USD account details?
Wise lists Nigeria, Pakistan, Bangladesh, Cameroon, Sri Lanka, Serbia, Türkiye, the United Arab Emirates, Ukraine and China among the countries where a business address rules out USD account details, along with sanctioned countries such as Iran and Russia. Separately, Wise holds money for Bahrain, Israel and Malaysia only in personal accounts.
2. Can a business in Nigeria get a US routing number without a US company?
Yes, through the Slash Global Account, since Slash's Middle East and Africa page lists Nigeria among the countries of incorporation it accepts. The account comes with a US account and routing number for ACH and wires and needs no US entity, SSN or EIN, subject to Slash's compliance review.
3. Is the Slash Global Account balance FDIC insured?
The balance is not FDIC insured. It is held in USDC, which is not a bank deposit, and Slash does not custody it. What it shares with a bank account is the US account and routing number that US platforms and clients pay into.
FDIC Insurance Guide: Limits, Protection Strategies, and How to Elevate Your Coverage
4. Can I get the Slash Global Card in Türkiye, Israel or Vietnam?
No. Rain, which issues the Slash Global Card, bars card issuance to businesses registered in Türkiye, Israel and Vietnam. A business in one of those countries can still hold a Slash Global Account, since Slash lists all three, and receive and send dollars through it without the card.
5. How do Slash Global Account fees compare with Wise Business?
Wise publishes a flat schedule, with a one-time fee for account details, free ACH receiving and $6.11 per incoming wire. Slash shows Global Account fees in the dashboard before each transfer and charges a 1.5% platform conversion fee between stablecoins and dollars, so the useful comparison is a quote against your own payment mix.
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