What is a W-8 form, and why does Meow require one?

A W-8 form is an IRS form used by foreign (non-U.S.) individuals and entities to certify their non-U.S. status to a U.S. financial institution. When Meow requests a W-8 form, it's because your business is legally registered outside the United States, and U.S. regulations require us to collect this certification before opening or maintaining your account.

Why does Meow require a W-8 if my company already operates outside the U.S.?

The W-8 requirement is determined by where your company is legally registered, not where it physically operates. For example:

• A company legally incorporated in the Seychelles but operating out of Malta is a foreign entity — a W-8 is required.

• A company incorporated in the U.S. but operating entirely from another country is a U.S. entity — a W-8 is not required.

Even if your day-to-day operations are outside the U.S., what matters for this requirement is your legal jurisdiction of incorporation.

Which W-8 form do I need?

The most common form for foreign businesses is the W-8BEN-E, which covers foreign entities (corporations, partnerships, LLCs, etc.). Individual foreign persons use the W-8BEN. Meow or our banking partners will specify which form is required for your account.

Where do I submit the W-8 form?

Meow will send you a link or instructions for submitting the W-8 as part of your onboarding or compliance review process. If you've been asked to submit one and haven't received instructions, contact support at support@meow.com.

Does the W-8 expire?

Yes. W-8 forms are generally valid for three calendar years from the date of signing. Meow or our banking partners will notify you when a renewal is required.