Best Currency Exchange Bank Accounts

Best Currency Exchange Bank Accounts

Top Currency Exchange Accounts You’ve Gotta Check Out!

Wise Multi-Currency Account

# Bank Account Info Eligibility Highlights Rating Visit
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  • APY: N/A
  • Currency: 50+ incl. USD, GBP, EUR, AUD
  • FX Fee: ~0.35%–1.0%
  • Open online: Yes
  • Available in EU, UK, US & more
  • Requires valid ID
  • Hold & convert between 50+ currencies
  • Local bank details in 10 currencies
  • Real mid-market exchange rates
  • Global transfers in seconds to hours
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Pros

  • Real mid-market exchange rates
  • Hold and manage 50+ currencies
  • Low transparent fees
  • Receive local bank details in 10 currencies

Cons

  • No interest on stored balances
  • No credit card offering
  • Not ideal for large speculative FX
  • Customer support is chat-first

About Wise

Wise (formerly TransferWise) is a leading UK-based fintech revolutionizing how people send, receive, and hold money internationally. With support for over 50 currencies, users can instantly convert funds using the real mid-market rate – the same one you see on Google. Unlike banks, Wise doesn’t hide fees in the exchange rate. It even provides local bank account details in up to 10 currencies, allowing users to receive payments like a local in the UK, EU, US, and more.

Revolut Multi-Currency Account

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  • APY: Up to 4.75% (Ultra plan)
  • Currency: 25+ incl. EUR, GBP, USD, JPY
  • FX Fee: 0% weekdays (standard plan limits)
  • Open online: Yes
  • Available in EEA, UK, USA, AU
  • Requires mobile app & ID
  • Instant exchange in 25+ currencies
  • Fee-free FX on weekdays (limits apply)
  • Advanced budgeting & vault features
  • Crypto & stock trading options
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Pros

  • Holds and exchanges 25+ currencies
  • Free FX transfers during weekdays
  • Includes budgeting and savings tools
  • All-in-one super app experience

Cons

  • FX fees on weekends or large amounts
  • Some features locked behind premium tiers
  • No physical branches
  • Crypto/stock features not for everyone

About Revolut

Revolut is a UK-based neobank known for its sleek mobile-first platform and strong multi-currency capabilities. Users can hold, exchange, and spend in over 25 currencies with near-instant FX at mid-market rates – especially beneficial on weekdays under the free tier. Revolut also integrates savings vaults, crypto trading, stock investing, and real-time budgeting tools into one user-friendly app. It’s ideal for students, travelers, and freelancers looking for flexibility without high fees.

bunq Multi-Currency Account

# Bank Account Info Eligibility Highlights Rating Visit
3
  • APY: Up to 3.15% (Easy Savings)
  • Currency: 15+ incl. EUR, USD, GBP, CHF
  • FX Fee: Mid-market rate + 0.5%
  • Open online: Yes
  • Available in EU/EEA & UK
  • ID and selfie verification
  • Real-time FX in 15+ currencies
  • Green Card: plants trees with every €100 spent
  • Up to 25 sub-accounts with unique IBANs
  • Travel Assistant with automated FX tips
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Pros

  • Supports 15+ currencies for holding/exchange
  • Green finance perks via tree-planting card
  • Sub-accounts with unique IBANs
  • In-app Travel Assistant for FX awareness

Cons

  • FX markup of 0.5%
  • Monthly fee (no free plan)
  • No in-person service
  • Limited outside EU/UK access

About bunq

bunq is a Dutch neobank with a strong sustainability focus and a multi-currency account offering ideal for global users. It supports real-time currency exchange in over 15 currencies and gives you up to 25 IBAN sub-accounts – making it perfect for budgeting or managing different currency wallets. With travel automation, savings interest, and eco-conscious features, bunq appeals to tech-savvy individuals who want flexibility and positive impact bundled in one sleek banking app.

N26 You/Metal Multi-Currency Account

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  • APY: N/A
  • Currency: EUR + FX in 10+ currencies
  • Monthly Fee: €9.90–€16.90
  • Open online: Yes
  • EU/EEA residents
  • Minimum age: 18
  • Free FX payments with Mastercard
  • Travel and lifestyle insurance perks
  • Multi-currency support for travelers
  • Metal card with premium branding
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Pros

  • No FX fees for card payments
  • Wide range of travel benefits
  • Supports over 10 currencies
  • Modern app with budgeting tools

Cons

  • Monthly fees apply
  • No physical branches
  • Cash withdrawals outside EU may incur fees
  • Limited savings interest options

About N26 You/Metal

N26 is a Berlin-based neobank offering premium accounts like You and Metal with powerful international features. These accounts support fee-free card payments in over 10 currencies, making them ideal for frequent travelers and digital nomads. N26 Metal includes extras like global travel insurance, priority support, and a stainless-steel debit card that’s as stylish as it is functional. While there’s a monthly cost, the flexibility and added perks make this account stand out for users with global lifestyles.

Monese Multi-Currency

# Bank Account Info Eligibility Highlights Rating Visit
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  • APY: N/A
  • Currency: GBP, EUR, USD, others
  • Monthly Fee: €0–€14.95
  • Open online: Yes
  • UK/EU residents
  • No credit check required
  • Multi-currency accounts in EUR, GBP, USD
  • Instant top-ups & transfers
  • Google/Apple Pay integration
  • Ideal for expats and frequent movers
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Pros

  • Accounts in EUR, GBP, USD
  • No credit check to open
  • Instant top-ups and transfers
  • Mobile-first design

Cons

  • Fees for premium tiers
  • FX rates vary per plan
  • Limited in-person support
  • No desktop version

About Monese

Monese is a UK-based fintech offering multi-currency accounts tailored for the mobile-first generation. It’s designed especially for expats and those working across borders, with easy access to GBP, EUR, and USD wallets. Instant top-ups, no credit checks, and slick in-app tools make Monese a flexible and accessible choice for international money management. Whether you’re sending money back home or paying bills in multiple countries, Monese helps you do it seamlessly.

CurrencyFair

# Bank Account Info Eligibility Highlights Rating Visit
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  • APY: N/A
  • Currency: 20+ including EUR, GBP, AUD
  • Account Fee: Free
  • Open online: Yes
  • Available in Europe, Australia, others
  • Passport or ID required
  • Peer-to-peer FX marketplace
  • Lower rates than traditional banks
  • Ideal for freelancers and remote workers
  • Business and personal accounts available
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Pros

  • 20+ supported currencies
  • Very low exchange margins
  • Peer-to-peer marketplace
  • No account fees

Cons

  • Interface less intuitive than competitors
  • No physical card option
  • Limited mobile features
  • Transfers can take 1–2 days

About CurrencyFair

CurrencyFair is an Ireland-based currency exchange platform that operates on a peer-to-peer model, letting users set their own rates. With over 20 supported currencies and no account fees, it’s an excellent choice for freelancers, international businesses, and remote professionals. Unlike traditional banks, CurrencyFair often undercuts market rates, offering significant savings. The platform is especially popular with Australians and Europeans seeking better FX solutions without hidden charges.

Payoneer Multi-Currency Account

# Bank Account Info Eligibility Highlights Rating Visit
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  • APY: N/A
  • Currency: 8+ (USD, EUR, GBP, etc.)
  • Account Fee: Free
  • Open online: Yes
  • Available globally
  • ID verification required
  • Multi-currency receiving accounts
  • Ideal for freelancers and marketplaces
  • Linked prepaid Mastercard option
  • Global network of partners and integrations
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Pros

  • Free to open and use
  • Receive payments in major currencies
  • Integrated with platforms like Upwork & Amazon
  • Offers physical card for spending

Cons

  • High ATM withdrawal fees
  • Conversion rates not always optimal
  • Customer service can be slow
  • Occasional account verification delays

About Payoneer

Payoneer is a global financial platform trusted by millions of freelancers, businesses, and eCommerce sellers. Offering multi-currency accounts in USD, EUR, GBP, and more, it’s tailored for those earning internationally. With seamless integrations to platforms like Fiverr, Upwork, and Airbnb, Payoneer simplifies global payments. The optional Mastercard allows users to spend directly from their balance, making it one of the most versatile tools for digital professionals.

Skrill Multi-Currency

# Bank Account Info Eligibility Highlights Rating Visit
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  • APY: N/A
  • Currency: 40+ supported
  • Account Fee: Free–€5.95
  • Open online: Yes
  • Residents in supported countries
  • ID verification required
  • Supports 40+ currencies
  • Instant FX conversion within wallet
  • Crypto buy/sell functionality
  • Available prepaid Mastercard
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Pros

  • Wide currency support
  • Integrated crypto exchange
  • Prepaid card linked to wallet
  • Instant internal transfers

Cons

  • Monthly inactivity fees
  • FX fees may apply
  • Limited customer support
  • Not available in all countries

About Skrill

Skrill is a digital wallet service based in the UK that supports over 40 currencies, allowing users to send, receive, and exchange money globally. It’s known for its versatility, offering everything from low-fee transfers to crypto trading. With the Skrill prepaid Mastercard, users can spend balances worldwide. The wallet’s multi-currency feature is especially appealing for travelers, freelancers, and crypto users seeking efficient FX solutions.

LeoPay Multi-Currency

# Bank Account Info Eligibility Highlights Rating Visit
9
  • APY: N/A
  • Currency: 10+ supported
  • Account Fee: €0–€10 monthly
  • Open online: Yes
  • EU and select international
  • Standard KYC checks
  • Multi-currency IBANs
  • Free SEPA & SWIFT transfers
  • Dedicated EUR and USD accounts
  • Real-time FX with no hidden fees
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Pros

  • Free SEPA/SWIFT transfers
  • Multi-currency IBANs
  • Fast onboarding process
  • Supports both EUR and USD

Cons

  • Limited FX trading features
  • Some fees for premium users
  • No physical card in free plan
  • Support only during business hours

About LeoPay

LeoPay is a Bulgaria-based digital banking platform designed for personal and business users needing multi-currency accounts. It offers over 10 supported currencies with real-time exchange and dedicated IBANs for EUR and USD. With free SEPA and SWIFT transfers, it’s especially appealing for digital nomads, freelancers, and international entrepreneurs seeking an affordable and flexible banking alternative.

Atlantic Money Multi-Currency Account

# Bank Account Info Eligibility Highlights Rating Visit
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  • APY: N/A
  • Currency: 10+ (FX only)
  • Transfer Fee: Fixed €3
  • Open online: Yes
  • UK and EU residents
  • Valid ID required
  • Ultra-low-cost FX with fixed fee
  • Supports multi-currency transfers
  • Innovative app-less transfer network
  • Fast-growing fintech in Europe
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Pros

  • Fixed low transfer fee
  • Supports multiple currencies
  • Innovative transfer methods
  • User-friendly platform

Cons

  • No interest-bearing accounts
  • Limited to certain currencies
  • No physical branches
  • Relatively new in the market

About Atlantic Money

Atlantic Money is a UK-based fintech providing ultra-low-cost foreign exchange transfers with a simple, fixed €3 fee per transaction. The platform supports more than 10 currencies and offers an innovative app-less transfer system called “Portals,” which speeds up and simplifies international transfers. Designed for users seeking affordable and transparent FX services, Atlantic Money is rapidly gaining traction across Europe.

Top Features to Look for in Currency Exchange Bank Accounts

FeatureWhy It Matters
Low Fees & Competitive Exchange RatesMinimizes costs on currency conversions and international transfers, saving you money every time.
Multiple Currency SupportAllows you to hold and transact in various currencies, perfect for global business or travel.
Easy Online Access & Mobile AppManage your account and perform transactions anytime, anywhere, with convenience and security.
Fast International TransfersSend and receive money quickly across borders without delays or hidden fees.
Strong Security & Customer SupportProtects your funds and data, with responsive support when you need help.
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