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From Croatia · Europe
Croatian founders already have Stripe and form US companies for American customers and investors. Two things differ from most of the EU: Mercury doesn't open accounts for people living in Croatia, and there's no US tax treaty in force yet.
Mercury doesn't open for founders living in Croatia; Wise Business and Payoneer are the ones to check. The banks, in detail.
From
Croatia
··:··UTC+2
To
Cheyenne, Wyoming
··:··UTC−6
01What changes because you live here
The tax treaty, whether Stripe will take you, which banks will open an account, and the time difference. Each was checked against its source in September 2026.
The tax treaty
None
The United States has no income tax treaty with Croatia. Dividends, interest and royalties from US sources are withheld at the standard 30%. Money you earn for work you do in Croatia isn't US-source income, so nothing is withheld on it. A US-Croatia treaty was signed in 2022 and amended in April 2026, but it isn't in force until both countries ratify it.
Stripe
Available locally
Stripe takes businesses registered in Croatia, so you don't need a US company to use it. A US LLC gets you a US Stripe account instead, paid out in dollars to a US bank, which helps when most of your customers are American.
Banking
No Mercury
Mercury doesn't open accounts for founders living in Croatia. It goes by where you live, not your passport, so a Croatian citizen living in another country may still qualify. Payoneer and Wise Business are the usual alternatives to check, and each has its own rules about where owners can live. Relay asks a non-US owner for a US address, an ITIN or Social Security Number and a US operating presence, so it rarely suits a founder living in Croatia.
The time difference
UTC+2
New York is 6 hours behind Croatia in summer. Everything we do is in writing, through your dashboard and email, and we reply within one business day, so the time difference rarely slows anything down.
Checked in September 2026 against the IRS list of tax treaties, Stripe's country page, and Mercury's and Relay's published country lists. If something here has changed, email us and we'll correct it the same day.
02What Croatia expects
Croatia taxes its residents on income from anywhere in the world. Whether the LLC's profit counts as yours as it's earned, or only when you take it out, depends on how Croatia treats a US LLC, and that's a question for a local tax adviser.
What founders here build
04What it costs
Charged once, in US dollars, with the Wyoming state fee passed on at cost. Where you live changes which bank we introduce you to, not the price.
Extras are optional, and the order form asks about each one with its price. Filing yours ahead of our next batch costs $75, and we email you before anything renews. Delaware, and every extra with its price, are on the pricing page.
05Questions
If yours is not here, email us at [email protected] before you order.
Yes. The United States doesn't require an LLC's owners to be US citizens or residents. You'll need a registered agent in the state, which every plan includes, and your passport for the bank. The filing is the same wherever you live. What changes is the tax treaty, the payment processors and the banks, which this page covers.
No. The filing, the EIN, the operating agreement, the bank application and the payment processors are all handled online. You don't need a visa or a trip.
The United States has no income tax treaty with Croatia. Dividends, interest and royalties from US sources are withheld at the standard 30%. Money you earn for work you do in Croatia isn't US-source income, so nothing is withheld on it. A US-Croatia treaty was signed in 2022 and amended in April 2026, but it isn't in force until both countries ratify it.
You don't need one for Stripe, because Stripe already takes businesses in Croatia. A US LLC gives you a US Stripe account paid out in dollars to a US bank, which some founders prefer when most of their customers are American.
Europe
Ready when you are
It takes about four minutes. You see the whole order, state fee included, before anything is charged.
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