Best Multi-Currency Business Accounts (2026)

Jan 2, 2026 - 03:00

Quick verdict

For European companies that trade internationally, manage overseas suppliers or pay remote teams, a multi-currency business account is no longer optional — it is essential infrastructure. In 2026, the strongest providers combine local IBANs, low-cost FX, fast global transfers and powerful treasury tools inside a single platform.

The clear market leaders are Wise Business, Revolut Business and Qonto, each offering multi-currency wallets, competitive exchange rates and strong compliance across Europe. Traditional banks remain relevant for credit, but for cross-border operations, digital platforms now dominate.

Comparison: the top multi-currency business accounts

Provider	Best for	Core strength
Wise Business	Global trade	Industry-leading FX pricing
Revolut Business	Fast-growing firms	Multi-currency + team cards
Qonto	EU-based SMEs	Accounting and compliance tools
Starling Bank	UK companies	Full banking licence
Payhawk	Corporate spend	Expense and FX management

Compare Multi-Currency Accounts
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Fees and pricing

Multi-currency accounts are often cheaper than traditional banks because they remove hidden FX margins and international transfer fees.

Wise Business charges no monthly fee and applies very low FX spreads.
Revolut Business offers FX allowances on its paid plans, making it attractive for growing companies.
Qonto charges a fixed monthly fee but includes SEPA transfers, bookkeeping tools and compliance features.

For businesses that invoice and pay in multiple currencies, FX savings alone can be substantial.

For a full comparison of providers, see our best business bank accounts in Europe (2026) guide.

Who multi-currency accounts are for

These accounts are ideal for:

Importers and exporters
SaaS and e-commerce businesses selling abroad
Agencies billing international clients
Companies paying overseas staff or contractors
Founders running companies from outside their home country

If your business deals with euros, pounds, dollars and other currencies, a multi-currency account removes unnecessary friction and cost.

Pros & cons

Pros

Hold and send multiple currencies
Lower FX and transfer fees
Local IBANs for European payments
Faster cross-border transfers
Integrated cards and expense tools

Cons

Limited credit facilities
Cash handling is restricted
Compliance checks can be strict

FAQs

Are multi-currency business accounts safe?
Yes. Providers such as Wise, Revolut and Qonto are regulated across the EU and UK.

Can non-EU founders open an account?
Some providers allow this — see our Non-Resident Business Banking guides.

Do I still need a traditional bank?
Many companies use both: a digital bank for international operations and a traditional bank for loans or cash.