The Biggest Question: How Do I Get Paid?
You’ve set up your LLC, you’ve started making dollars, and now they are sitting in your Mercury or Relay account. But how do you actually use that money for your personal life in Spain, Argentina, or Mexico? In 2026, there are three main ways to move your profits legally and efficiently.
1. Owner’s Draw (The Simple Way)
Since a Single-Member LLC is a “disregarded entity” for the IRS, the money in the business account is technically yours. You can simply transfer funds from your business account to your personal account.
- Best for: Small, frequent transfers.
- Pro-Tip: Always label the transfer as “Owner’s Draw” in your bookkeeping to keep things clean for your local tax office.
2. Using Corporate Debit/Credit Cards
The fastest way to spend your LLC’s money is by using the physical or virtual cards provided by your U.S. bank.
- Perks: You get U.S. exchange rates, which are often better than your local bank’s.
- 2026 Trend: Many entrepreneurs now use Apple Pay or Google Pay linked to their U.S. cards for daily expenses, travel, and business meals worldwide.
3. Deel or Wise: The Professional Bridge
If you need to move large sums to a local bank account in your home country, using a platform like Wise or Deel can save you thousands in wire transfer fees.
- Efficiency: You can convert USD to your local currency at the mid-market rate.
- Compliance: This creates a clear paper trail, which is essential if your local tax authority asks where the money came from.
The “Tax Trap” to Avoid
Remember: Just because you can withdraw the money doesn’t mean you shouldn’t report it. In 2026, global transparency (CRS and FATCA) is higher than ever. Always consult with an expert to ensure your “Owner’s Draw” doesn’t trigger unexpected tax liabilities in your country of residence.
