Primary sources first
Institution, regulator and government pages support requirements. Secondary sources provide context only when clearly labelled.
2727 COWORKING · MONTRÉAL
Independent application research · Canada · 2026
Business banking research for foreign founders
Start with the institution or founder situation that matches your file. Every guide separates published requirements from points you must confirm directly, and cites the primary records behind material claims.
Complete index
Choose the guide that matches your file
Every page shows its verification date and links to the sources used.Canadian institutions
Bank requirements
Compare published opening routes, entity records, owners, signers, address fields and the questions each bank leaves unanswered.RBCVerified August 20, 2026
RBC business account requirementsA source-checked guide to RBC business-account routes, documents, address roles, beneficial owners, non-resident limits and branch preparation.
Read the guideTDVerified August 20, 2026
TD business account requirementsA source-checked guide to TD business-account routes, documents, address proof, owners, signing authorities, non-resident limits and application preparation.
Read the guideBMOVerified August 20, 2026
BMO business account requirementsA source-checked guide to BMO online and branch routes, legal-structure documents, address proof, beneficial owners, signers and foreign-owner preparation.
Read the guideScotiabankVerified August 20, 2026
Scotiabank business account requirementsA source-checked guide to Scotiabank online and branch eligibility, entity documents, identity and address fields, 25% owners, signers and non-resident preparation.
Read the guideCIBCVerified August 20, 2026
CIBC business account requirementsA source-checked guide to CIBC online eligibility, entity documents, civic-address rules, owners, signing authorities, identity and foreign-owner limits.
Read the guideDesjardinsVerified August 20, 2026
Desjardins business account requirementsA source-checked guide to Desjardins business-account routes, caisse membership, Quebec entity records, address roles, owners, signers and foreign-owner preparation.
Read the guidePayments and transfers
Platform verification
Understand how account country, registered address, trading address, owners and supporting documents are treated by major platforms.WiseVerified August 20, 2026
Wise Business address requirements in CanadaA source-checked guide to Wise registered and trading addresses, coworking rules, proof documents, Canadian residential-address limits and foreign-founder boundaries.
Read the guidePayPal and StripeVerified August 20, 2026
PayPal and Stripe business address requirements in CanadaA source-checked comparison of PayPal and Stripe account-country, business-address, personal-address, owner, bank and document verification rules in Canada.
Read the guideApplication sequences
Founder situations
Build a coherent file for the founder’s residency, entity, identifiers, ownership, source of funds and likely opening channel.Business account without a SINVerified August 20, 2026
Can you open a Canadian business bank account without a SIN?A source-checked guide to opening a Canadian business bank account without a SIN: identification, BN, foreign TIN, owners, documents, residency and bank routes.
Read the guideOpening a Canadian business account from abroadVerified August 20, 2026
How to open a Canadian business bank account from abroadA source-checked foreign-founder workflow for entity choice, Canadian addresses, BN and NEQ registration, ownership, documents, remote pre-screening and branch planning.
Read the guideForeign-owned Quebec corporationVerified August 20, 2026
How to prepare a foreign-owned Quebec corporationA source-checked sequence for a Quebec corporation owned abroad: constitution, NEQ, addresses, ultimate beneficiaries, tax accounts, foreign documents and bank KYC.
Read the guideFederal corporationVerified August 20, 2026
Open a business account after federal incorporationA source-checked sequence for a federal corporation: organization, registered office, ISC records, provincial registration, CRA accounts, bank documents and foreign-owner review.
Read the guideU.S.-resident founderVerified August 20, 2026
Canadian business account preparation for a U.S. founderA source-checked workflow for a U.S.-resident owner: entity choice, passport and address proof, SSN/ITIN/EIN versus SIN/BN/NEQ, FATCA, ownership, funds and branch planning.
Read the guideIndia-resident founderVerified August 20, 2026
Canadian business account preparation for an India-resident founderA source-checked workflow for an India-resident owner: entity choice, passport and address evidence, PAN versus SIN/BN/NEQ, ownership, remittances, funds and branch planning.
Read the guideSingapore-resident founderVerified August 20, 2026
Canadian business account preparation for a Singapore-resident founderA source-checked workflow for a Singapore-resident owner: entity choice, passport and address evidence, UEN and TIN versus SIN/BN/NEQ, ownership, funds, authentication and branch planning.
Read the guideFrance-resident founderVerified August 20, 2026
Canadian business account preparation for a France-resident founderA source-checked workflow for a France-resident owner: entity choice, passport and residence evidence, SIREN/SIRET and French TIN versus SIN/BN/NEQ, ownership, funds, apostille and branch planning.
Read the guideEditorial method
How this research is maintained
These pages are decision support, not approval promises. The method is designed to make uncertainty visible before a founder buys an address service or submits an application.Citations at the claim
Material statements link to the supporting page, so readers can inspect scope, exceptions and current wording themselves.
Verification dates
Every guide records its last source check. Unknowns stay unknown and are converted into questions for the institution.
A 2727 address can document only the commercial, mail or workspace service actually supplied. Each institution decides acceptance.