What it does
Lili combines US business-account services with team access, payment tools and business-software connections. The Core account is free, while paid plans add tax tools, bookkeeping and invoicing. Lili identifies itself as a financial technology company, with banking services through Sunrise Banks and wire services through Column.
Share work through account roles
Owners and administrators have broader access than managers or accountants. An accountant’s viewer role is read-only, and only one accountant can be attached at a time. Authorized colleagues who are not owners use the web service; owners also have mobile access.
To add a manager, open Account Settings, choose Invite A Team Member, select Manager and enter the person’s name and email. Payment Submission can be enabled during the invitation. With an approval threshold of zero, every submitted payment requires the selected owner or administrator’s approval. The manager can work with invoices, bills and payment instructions but cannot view balances or statements or reconcile transactions.
Pending invitations can be copied, resent or canceled in the team settings. Active users can be removed when their work ends.
What the plans add
| Plan | Standard monthly fee | Main scope |
|---|---|---|
| Core | $0 | Business checking, debit card and software connections |
| Pro | $15 | Tax categories, receipt records, reports and automatic tax saving |
| Smart | $35 | Bookkeeping, cash-flow reports and unlimited invoices and bills |
| Premium | $55 | Smart tools, a metal card and priority specialist support |
Connections include QuickBooks, Xero, Gusto, Stripe, Square and Shopify. A domestic outgoing wire costs $15; incoming domestic wires are free.
International wires are limited to supported countries and eligible entities, excluding sole proprietors and businesses using a DBA. They cost $25 outgoing and $15 incoming, with possible intermediary-bank charges. The sending workflow collects the recipient’s bank details, currency, amount and payment purpose, then shows a review and estimated delivery before authentication. Incoming wire instructions can be downloaded from Add Money.
Applying from the US or abroad
Applications require identity and business verification. US applicants provide contact, tax and business details for a supported business type. Certain non-US citizens can apply for eligible US-registered companies using their passport and business documents. That international route excludes sole proprietors, requires qualifying nationalities for all owners with at least 25% ownership, and sends physical cards only to US mailing addresses.
Strengths
- Managers can prepare payments that require an owner or administrator’s approval
- Read-only accountant access separates review from account control
- A free Core account connects to common business software
Watch out for
- Non-owner team members use web access rather than the mobile app
- Only one accountant can be attached at a time
- International wires exclude sole proprietors and DBA businesses
Best for
- Eligible US-registered businesses dividing payment preparation and approval among colleagues
Sources
- Lili Business Banking Identity (Oct 27, 2026)
- Lili Core, Pro, Smart and Premium Plans (Oct 27, 2026)
- Lili Business Connections and Domestic Wire Charges (Oct 27, 2026)
- Lili Team Roles and Permissions (Oct 27, 2026)
- Lili Non-Owner Access and Invitation Management (Oct 27, 2026)
- Lili Manager Invitations and Payment Approvals (Oct 27, 2026)
- Lili International Wire Eligibility, Fees and Payment Steps (Oct 27, 2026)
- Lili Business Checking Application (Oct 27, 2026)
- Lili Non-US Citizen Business Eligibility (Oct 27, 2026)