4 bank channels
Mercury US · Wise multi-currency · SCB HK · HSBC SG — we've shipped 100+ accounts at each.
Overseas bank · USD / HKD / EUR
Your overseas entity
account approved
customers can pay USD.
Mercury · Wise · SCB · HSBC — 4 mainstream overseas banks, all production-shipped. KYC docs prepared for you, we walk you through every step, avg 2-4 weeks to first deposit. Stripe integration included.
- 4 bank channels
- KYC prep included
- Avg 2-4 weeks
- 50% refund if rejected
From ¥6,800Single / standard / multi-jurisdiction — three tiers
Who it's for
Which companies MUST open an overseas bank?
Want Stripe / Paddle · want USD settlement · want overseas investment · want to bypass FX limits — this page is for you.
Cross-border ecom
Shopify / Amazon / TikTok Shop USD settlement
Overseas SaaS
Stripe / Paddle USD subscriptions
Creators / digital
Patreon / YouTube / overseas platform payouts
Crypto / Web3
Stablecoin → fiat rails
Smart hardware
Amazon US entity payments + refund accounts
Trade / logistics
International USD settlement + LC
Why Cloubay
Plenty of intermediaries open accounts. What's different?
We're not just intermediaries — we get your full docs to a state the bank accepts, then walk you through.
KYC prep
Entity docs · business model · website · biz description · UBO chart — what the bank wants, we prep.
Avg 2-4 weeks
Mercury 5-10 days, Wise 3-5 days, SCB / HSBC 3-4 weeks. Late? We chase with you.
50% refund
Bank we recommended got rejected: 50% service-fee refund. Next bank: we chase with you again.
What's in scope
Not just submitting an application — getting your full docs bank-ready.
Entity audit + KYC docs + business statement + website compliance + submission + comms, one stop.
Multi-bank choice
Mercury / Wise / SCB / HSBC / Brex / RHB — based on biz model + customer region, recommend 1-2 strongest.
Multi-currency
USD / HKD / EUR / GBP / SGD / CAD / AUD — one account, multi-currency receive, auto-convert.
KYC done-for-you
Entity / business model / website / biz description / fund source / UBO — we prep + complete the checklist.
Stripe integration
Once account opens, Stripe / Paddle / Shopify payment configured, first transaction in 7-10 days.
Tax bundle
EIN / ITIN if missing, first-year tax filing, ongoing annual subscription from ¥4,800/yr.
Renewal + maintenance
Bank annual review / proof of funds / KYC renewal — we walk you through, accounts stay open.
Three tiers
Pick by business complexity — three tiers.
Starters: single bank's enough. Long-term: multi-bank architecture strongly recommended.
Starter · single
Single account
1 bank · 1 currency · first overseas
¥6,800from
2-3 weeks
- Mercury or Wise (choose one)
- KYC prep
- 1× Stripe config
- 50% refund if rejected
Pro · standard
Dual bank + tax
2 banks · multi-currency · EIN/ITIN + year-1 tax
¥18,800from
4-5 weeks
- Mercury + SCB/HSBC
- KYC + EIN/ITIN done-for-you
- Stripe + Paddle dual
- Year-1 tax filing
- 1-year maintenance
Scale · multi-jurisdiction
Multi-jurisdiction bank
3+ banks · multi-entity · incl. LCs / large settlement
¥58,800from
6-10 weeks
- US + HK + SG 3 jurisdictions
- Multi-currency auto-balance
- LC / large settlement support
- Multi-year tax + audit
- Dedicated CSM
Tier comparison
What differs
Bank count / currencies / KYC depth / Stripe / tax.
| Capability / service | Single account ¥6,800 | Dual bank + tax★ ¥18,800 | Multi-jurisdiction bank ¥58,800 |
|---|---|---|---|
| Bank count | 1 | 2 | 3+ |
| Currencies | USD | USD/HKD/EUR | All major |
| Stripe / Paddle | 1 channel | 2 channels | Unlimited |
| EIN / ITIN | |||
| Tax filing | Year 1 | Multi-year + audit | |
| Rejection refund | 50% | 70% | 100% |
| Maintenance period | None | 1 year | 3 years |
How we work
2-4 weeks from intake to first deposit.
Week 1 is docs prep, then it's bank flow + waiting.
01
Week 1
Assess + pick bank
Your biz model · customer region · fund volume — we recommend 1-2 strongest banks.
02
Week 1-2
KYC prep
Compile entity / biz description / website / fund source / UBO / business statement.
03
Week 2-4
Submit + comms
Submit → bank questions → supplement → video interview (some banks). We walk through every step.
04
Week 3-5
Activate + receive
Account active → Stripe / Paddle config → test first deposit → CSM handoff.
FAQ
Four common pre-signing questions
01
Can I open without an overseas entity?
No. Overseas bank requires entity + UBO docs. Not incorporated yet? Do /incorporation first, package discount available.
02
Mercury vs Wise — which to pick?
Mercury: USD-heavy + US customers (no annual fee, debit card, strict risk). Wise: multi-currency + EU customers (fast open, cheap FX, but spot KYC checks).
03
Real refund if rejected?
Real. Bank we recommend + docs we prepare rejected: Starter 50% / Pro 70% / Enterprise 100% refund. Backup bank chase included.
04
Will Stripe definitely work?
Mercury + Wise both support Stripe ACH. Post-opening, first deposit + KYC verified within 7-10 days.
Are your customers ready to pay you in USD?
30 minutes: biz model + customer region + fund expectations. We recommend the strongest bank + timeline + price.