Best multi-currency business accounts (October 2026)
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Business accounts that give you foreign account details (USD, EUR, GBP and more) so you can get paid like a local and convert at low rates. Availability depends on where your business is registered; check the sign-up flow for your country.
Only want free? See the best free multi-currency business accounts, with what each free plan includes.
Check your country. Business accounts and cards are licensed country by country. Before you apply, confirm on the provider's sign-up page that it accepts businesses registered where yours is.
The ranking
- 1
Airwallex
by AirwallexLowest entry priceGlobal business account with multi-currency accounts, cards and FX at 0.5% above interbank for major currencies.
Local account details in several currenciesDebit or virtual cardsNo monthly fee optionPros
- Local account details in several currencies
- Debit or virtual cards
Cons
- US pricing page; check your country's page
- 2
Payoneer
by PayoneerBest free starting pointReceiving accounts in major currencies for freelancers, marketplaces and exporters; widely used in Africa and Asia.
Local account details in several currenciesDebit or virtual cardsNo monthly fee optionPros
- Local account details in several currencies
- Debit or virtual cards
Cons
- No drawbacks found in our data
- 3
Mercury
by MercuryBest free starting pointUS business banking with no monthly fee on the base plan; popular with founders who form a US company remotely.
Local account details in several currenciesDebit or virtual cardsNo monthly fee optionPros
- Debit or virtual cards
- No monthly fee option
Cons
- No local account details in several currencies
- FAQ also says paid plans start at USD 35/month
- 4
Revolut Business
by RevolutGood all-round optionBusiness account with multi-currency balances, cards and an FX allowance at the interbank rate.
Local account details in several currenciesDebit or virtual cardsNo monthly fee optionPros
- Local account details in several currencies
- Debit or virtual cards
Cons
- No no monthly fee option
- UK pricing shown
- 5
Wise Business
by WiseMost complete feature setMulti-currency business account with local account details and mid-market exchange rates.
Local account details in several currenciesDebit or virtual cardsNo monthly fee optionPros
- Local account details in several currencies
- Debit or virtual cards
Cons
- Registering is free; the one-time USD 31 fee applies to get account details. Volume discount above USD 25,000 a month in conversions.
- 6
Grey
by GreyBest free starting pointUSD accounts with full banking details for businesses in emerging markets, with payouts to 170+ countries.
Local account details in several currencies: check on siteDebit or virtual cards: check on siteNo monthly fee optionPros
- No monthly fee option
Cons
- Local account details in several currencies, Debit or virtual cards: check on Grey's site
- EUR and GBP accounts listed as coming soon
Compare all in a table
| Rank | Product | Score | Entry price (USD) | Local account details in several currencies | Debit or virtual cards | No monthly fee option | Action |
|---|---|---|---|---|---|---|---|
| 1 | Airwallex | 100 | 12.00 | Yes | Yes | Yes | Visit site |
| 2 | Payoneer | 85 | 29.95 | Yes | Yes | Yes | Visit site |
| 3 | Mercury | 75 | 29.90 | No | Yes | Yes | Visit site |
| 4 | Revolut Business | 68 | 13.23 | Yes | Yes | No | Visit site |
| 5 | Wise Business | 65 | 31.00 | Yes | Yes | Yes | Visit site |
| 6 | Grey | 55 | Free / usage | Not confirmed | Not confirmed | Yes | Visit site |
Entry price is the cheapest paid plan, converted to USD where the vendor prices in another currency. Usage-based prices are not compared.
What to check
Local account details in several currencies. 4 of 6 confirm it.
Debit or virtual cards. 5 of 6 confirm it.
No monthly fee option. 5 of 6 confirm it.
Score: features 30, free plan or trial 20, pricing transparency 25, entry price value 25. Commissions are never part of it. Full method.
Questions
What is the cheapest option?
Airwallex, from USD 12 per user per month + platform fee.
Is there a free option?
4 of the 6 ranked products have a free plan.