Expect more from your business banking

No SSN required - passport and EIN only
100% remote, no need to visit the U.S.
Live in as little as 48 hours
High-yield savings up to 4.00%³
$0 FX fees on debit card spending⁸
Live support, 7 days a week
Open Account
Lili is a financial technology company, not a bank.
Banking services are provided by Sunrise Banks, N.A., Member FDIC

200K+
businesses served

Built for owners based outside the U.S.

Simple international payments

Send and receive wires in 130+ currencies⁹, $0 FX fees on debit card transactions.⁸

Get paid with ease

Send invoices right from your Lili dashboard and get paid in USD.²

Manage it with your team and accountant

Give your team and your U.S. accountant secure access with the right permissions - no sharing logins.

Open your U.S. business account in four steps

Fully online - from application to approval.

Apply online with our streamlined application
Verify your identity using your passport
Submit information about your business, including your EIN
Have your account reviewed and approved, if eligible
$0 monthly fees for Lili Core

Business banking
you can count on

Online banking for small business owners building alone or scaling a company.

Open Account

High-speed, high-volume payments

Express ACH, domestic & international wires9, expedited check deposits11

Business credit, built in

Flexible terms, fast decisions10

Up to 4.00% Annual Percentage Yield (APY) on savings

Daily earnings, no lockups3

$3 Million FDIC Insurance

Expanded protection through a sweep network12

Connect your business tools

Seamless integration with the platforms you rely on

Real, human support 7 days a week

Support that fits your schedule: live help 7 days a week and round-the-clock AI assistance. Connect by app, phone, email, or online.

Security you don’t have to think about

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Real-time controls and monitoring

Instant card freeze, alerts, and fraud monitoring.

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Built for higher balances

Designed for businesses managing meaningful operating capital.

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Up to $3M FDIC insurance

Protection through Lili’s sweep network of partner banks.

Get your questions answered

Can I open an account if I don't have an SSN?
Does Lili support international wires?
How much does it cost to open a Lili account?
Does Lili charge FX fees on international purchases?
Can I send paper checks?
Does Lili offer joint business accounts?

Ready to bank in the U.S.?

Open your account online in minutes. No SSN, no U.S. visit, no monthly fees.

Open Account
Lili is a financial technology company, not a bank.
Banking services are provided by Sunrise Banks, N.A., Member FDIC
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Contact Us

Live support, 7 days a week

Email us at [email protected]

Lili App Inc.
PO Box 1809, New York, NY 10156

Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted.


Wire Transfer service provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.

1 Eligibility for cashback awards is available to Lili Pro, Lili Smart, and Lili Premium account holders only; applicable monthly account fees apply. For details, please refer to your Sunrise Banks Account Agreement.

2 Accounting, tax preparation and invoicing software is available to Lili Smart and Lili Premium account holders only; applicable monthly account fees apply. For details, please refer to your Sunrise Banks Account Agreement.

3 The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of November 13, 2025. Must have at least $0.01 in savings to earn interest. 2.25% APY applies to balances of up to and including $500,000. 4.00% APY applies to balances over $500,000 and up to and including $1,000,000. Any portions of a balance over $1,000,000 will not earn interest or have a yield. Available to all Lili plans.

4 Reserved.

5 Reserved.

6 Up to $1,000 per cardholder per 24 hours period. Some locations have lower limits and retailer fees may vary ($4.95 max). Note that Lili does not charge transaction fees.

7 Lili AI and other reports related to income and expenses provided by Lili can be used to assist with your accounting. Final categorization of income and expenses for tax purposes is your responsibility. Lili is not a tax preparer and does not provide tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors regarding your specific situation.

8 Lili does not charge debit card fees related to foreign transactions, in-network ATM usage, or card inactivity, or require a minimum balance. The Lili Visa® Debit Card is included in all account plans, and remains fee-free with the Lili Core plan. Applicable monthly account fees apply for the Lili Pro, Lili Smart, and Lili Premium plans. For details, please refer to your Sunrise Banks Account Agreement.

9 International wire transfers are only available to legal entity customers (LLCs, corporations, and partnerships). Transfers can be made to and from select countries. Please check your app for the most up to date list. Fees apply. Learn more here Sunrise Banks Account Agreement.

10 Access to capital is provided by our partners that offer business loans or lines of credit. Lili is a financial technology company, not a bank or lender. Underwriting required.

11 Expedited availability of funds is based on individual circumstances.

12 FDIC insurance only covers the failure of an FDIC insured bank. The standard FDIC deposit insurance limit is $250,000 per depositor, per FDIC insured bank, per ownership category through Sunrise Banks, N.A and the sweep program banks. See Sunrise Banks Account Agreement and Addendum to Sunrise Banks Account Agreement.

13 BusinessBuild is an add-on feature available to all Lili Accounts, except sole proprietorships and non-US citizens. After a one-month free trial, account holders will be charged $18 per month for the next three months, then $30 per month thereafter. Monthly BusinessBuild payments are reported to Dun & Bradstreet and may help build your business credit profile. Late or missed payments may negatively impact your profile. By integrating your Lili Account through the D&B Credit Insights banking integration feature, there may be potential for you to positively impact your Delinquency and Failure Scores. Dun & Bradstreet requires a minimum of six months of business banking transaction history to be able to potentially impact these scores. Customers must be enrolled in the BusinessBuild feature to access the Lili BusinessBuild Card (Card). Lili App Inc. (Lili) partners with CapitalOS and First Internet Bank of Indiana, Member FDIC, for the Card. Lili is a financial technology company, not a bank or lender. CapitalOS is a financial technology company and lender, not a bank. CapitalOS or one of its affiliates is the lender, and Cards are issued by First Internet Bank of Indiana, pursuant to a license from Visa U.S.A. Inc.

14 The Core banking account has no monthly fee. Monthly fees apply to the Pro, Smart, and Premium accounts. See the fee schedule here for details.

15 To learn more about our fees, please check out our fee schedule here.

16 Figures based on a Lili survey conducted between January 1, 2025 and January 1, 2026. Information available upon request.

© 2026 Lili App Inc. All Rights Reserved. PO Box 1809, New York, NY 10156