Best Multi-Currency Accounts
A multi-currency account lets you hold and manage money in several different currencies within one account. It’s ideal for travelers, freelancers, and businesses dealing with international payments. These accounts help reduce currency conversion fees by allowing you to pay and receive funds in local currencies. They also simplify managing finances across borders without needing multiple bank accounts.
Key facts
- Supports 10+ currencies on average
- Often includes currency exchange at competitive rates
- Allows local bank details in several countries
- Can include debit cards linked to multiple currencies
The list of Multi-currency Banks
Atlantic Money (UK)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 1 |
Atlantic Money (UK)
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85
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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 offering ultra-low-cost foreign exchange services with a fixed €3 fee, challenging traditional money transfer models. The platform supports multi-currency transfers across Europe, including a new app-less transfer network called “Portals”. With a focus on simplicity and cost-effectiveness, Atlantic Money is rapidly gaining popularity among users seeking affordable international transfers.
Deblock (France)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 2 |
Deblock (France)
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82
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Pros
- Combines traditional and crypto banking
- Self-custody of crypto assets
- Innovative debit card features
- Regulatory compliance under MiCA
Cons
- No interest on deposits
- Limited to EU residents
- Relatively new platform
- May require crypto knowledge
About Deblock
Deblock is a French fintech that integrates traditional banking with blockchain technology, offering accounts in euros, dollars, pounds, and cryptocurrencies. Users benefit from self-custodied crypto wallets and personalized debit cards featuring NFTs. Licensed under the MiCA regulation, Deblock operates in France and Spain, aiming to expand further into Europe. The platform is designed for users seeking a seamless blend of fiat and crypto financial services.
ZEN.com (Lithuania)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 3 |
ZEN.com (Lithuania)
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88
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Pros
- Wide currency support (28+)
- Low FX fees and ATM charges
- Modern mobile & desktop interfaces
- Available in 31 European countries
Cons
- No interest on deposits
- Paid plans may be required for perks
- Limited to EEA countries
- Customer support not 24/7
About ZEN.com
ZEN.com is a regulated fintech company based in Lithuania, providing multi-currency accounts that support 28 different currencies. It offers competitive exchange rates, international transfers, and global ATM withdrawals depending on the plan selected. ZEN.com operates under EU financial licenses and serves individuals and businesses across 31 countries. With a clean and fast mobile experience, ZEN.com is ideal for travelers, freelancers, and cross-border professionals looking for flexibility and control in their finances.
Paysend (UK)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 4 |
Paysend (UK)
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85
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Pros
- Free multi-currency account
- Supports 30+ currencies globally
- Instant and low-cost transfers
- Simple onboarding process
Cons
- No interest earnings
- No advanced budgeting tools
- Not suitable for large savings
- Limited business functionality
About Paysend
Paysend is a UK-based fintech offering borderless money transfers and multi-currency support in over 170 countries. It’s tailored for people who need fast and affordable international transactions, especially card-to-card transfers. Paysend’s accounts support over 30 currencies with no monthly fee, making it ideal for frequent travelers and global freelancers. While it doesn’t offer savings features like APY or budgeting tools, its strength lies in global accessibility and simplicity. With instant delivery and transparent pricing, Paysend has gained popularity as a modern alternative to traditional remittance and currency exchange services.
Libeo (France)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 5 |
Libeo (France)
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81
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Pros
- Great for B2B payments in Europe
- No IBAN needed to pay suppliers
- Multi-currency invoicing supported
- Time-saving invoice automation
Cons
- Not for personal banking
- Limited currency support beyond Europe
- Some features only in paid plans
- Still expanding outside France
About Libeo
Libeo is a French fintech specializing in multi-currency B2B payments and invoice management for European businesses. It simplifies how SMEs and freelancers send and receive payments, eliminating the need to use IBANs for domestic and cross-border transfers. Libeo supports EUR and GBP payments, offers invoice automation, and integrates with common accounting platforms. It’s not meant for personal savings or everyday banking, but it’s a powerful tool for business users looking for seamless supplier payments and accounting-friendly financial workflows. With a growing presence across Europe, Libeo is making cross-border business finance more accessible and efficient.
Intergiro (Sweden)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 6 |
Intergiro (Sweden)
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84
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Pros
- Supports multiple currencies including SEK and USD
- Great for startups and developers
- API-first banking approach
- Virtual and physical cards included
Cons
- Business-only – no personal accounts
- Requires KYC/KYB approval process
- No traditional savings options
- API setup may be too technical for some
About Intergiro
Intergiro is a Swedish fintech designed for modern businesses seeking multi-currency accounts, automation, and API-driven financial services. It allows companies to send and receive payments in EUR, GBP, SEK, and USD with ease. The platform caters especially to tech-savvy startups and scale-ups that want flexible infrastructure for financial operations. It offers both virtual and physical debit cards and supports seamless payment flows via its open banking APIs. While not aimed at personal users or savings features, Intergiro stands out for its developer-first, scalable approach to business finance in Europe.
Woolsocks (Netherlands)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 7 |
Woolsocks (Netherlands)
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82
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Pros
- Free to use with up to 2% APY
- Cashback savings system
- Helps manage spending and budgets
- Sustainable finance tools included
Cons
- Only supports EUR
- Not a full-featured bank
- Cashback tied to participating merchants
- Mobile-only platform
About Woolsocks
Woolsocks is a Dutch-based fintech that combines savings, cashback, and smart financial management tools in a free mobile app. Users can earn up to 2% APY through its cashback-based savings model, which rewards purchases from partner retailers. It’s designed to encourage responsible spending while also offering automated savings and personalized budgeting insights. Though not a full-service bank, Woolsocks focuses on enhancing everyday financial habits. Its eco-conscious features appeal to sustainability-minded users, and its mobile-first experience makes it ideal for EU residents who want a simple, automated way to save money.
Blackcatcard (Malta)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 8 |
Blackcatcard (Malta)
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84
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Pros
- 4% interest on balances
- Crypto-friendly features
- Free Mastercard included
- SEPA-compatible EUR account
Cons
- Limited currency support (EUR only)
- Some features require app usage
- Not suitable for businesses
- Relatively new in market
About Blackcatcard
Blackcatcard, based in Malta, is a fast-growing digital banking solution that offers a high-yield savings experience with up to 4% interest on EUR balances. Designed for individuals in the EEA, it provides both virtual and physical Mastercards and a fully functional IBAN account. The platform supports cryptocurrency storage and exchange, making it appealing to crypto-savvy users. It focuses on providing secure, mobile-first banking with no monthly fees. While it doesn’t support multiple currencies yet, Blackcatcard stands out with its attractive APY and integration with digital assets. Its user-friendly mobile app ensures easy access to account services and transactions.
Paysera (Lithuania)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 9 |
Paysera (Lithuania)
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80
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Pros
- Multiple currency support with IBAN accounts
- Low international transfer fees
- Free basic account with optional paid plans
- Comprehensive mobile and web access
Cons
- Interest rates lower than some competitors
- Customer support can be slow
- Some fees for optional services
- Not a full banking license (e-money institution)
About Paysera
Paysera is a Lithuanian fintech offering multi-currency IBAN accounts with a focus on international payments and transfers. Its platform supports EUR, USD, GBP, and other currencies, making it suitable for freelancers, businesses, and travelers. While the interest rate is modest, Paysera shines with low fees on cross-border payments and a user-friendly mobile app. The service is accessible across the EU and beyond, requiring online ID verification for account opening. Paysera acts as an electronic money institution rather than a full bank, focusing on payments, money transfers, and e-commerce solutions.
Bunq (Netherlands)
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
|---|---|---|---|---|---|---|
| 10 |
Bunq (Netherlands)
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82
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Pros
- Up to 3% interest on savings
- Multiple currency IBAN accounts
- Innovative mobile app features
- Shared accounts and instant payments
Cons
- Monthly fees apply starting at €2.99
- Interest only on savings pots, not current accounts
- Limited physical branch access
- Some advanced features require premium plans
About Bunq
Bunq is a Dutch challenger bank offering a modern banking experience with multi-currency IBAN accounts and competitive savings interest up to 3%. It caters to EU residents looking for flexible online banking with innovative features such as instant payments, shared accounts, and advanced budgeting tools. The platform is mobile-first and highly customizable, appealing to freelancers, travelers, and digital nomads. While monthly fees start at €2.99, many users find the feature set and convenience worth the cost. Bunq continues to expand its offerings with a focus on user control and transparency.
Top Benefits of Opening a Multi-Currency Bank Account
A multi-currency bank account gives you the flexibility to hold, send, and receive different currencies without constant conversion. It’s especially useful for digital nomads, expats, and international businesses looking to avoid excessive fees. These accounts simplify global money management and can save both time and money.
- Hold multiple currencies in one place
- Avoid high foreign exchange fees
- Get better exchange rates
- Receive local account details in different countries
- Use one card for spending in multiple currencies
How to Choose the Best Multi-Currency Account in Europe
Choosing the right multi-currency account in Europe depends on your financial habits, travel or business needs, and supported currencies. Start by checking which currencies the account supports and whether it provides local IBANs or account numbers in the EU, UK, or US. Look for platforms with low or no foreign exchange fees, especially if you frequently convert money or make international payments.
Another essential factor is accessibility: Does the provider offer a smooth mobile experience, responsive customer support, and easy onboarding without a local address or credit checks? Security is also key – ensure the account is safeguarded by European banking regulations or e-money licenses. Finally, consider extras like virtual or physical cards, integration with business tools (like invoicing), or cashback/rewards in multiple currencies.
| Criteria | Why It Matters | What to Look For |
|---|---|---|
| Supported Currencies | Allows holding and managing various currencies without conversion. | EUR, GBP, USD, CHF, SEK, PLN, and more. |
| Local Account Details | Enables you to receive local payments as if you had a bank account in that country. | EU IBAN, UK Sort Code, US Routing Number. |
| Exchange Rates | Impacts how much money you lose during currency conversion. | Mid-market or interbank rates with low/no markup. |
| Fees | Includes monthly fees, FX fees, card usage, and ATM withdrawals. | Transparent pricing with free or low-cost options. |
| Mobile & Web Experience | Ease of managing finances from anywhere. | Intuitive apps, instant notifications, budgeting tools. |
| Eligibility | Defines who can open the account and what documents are needed. | Online sign-up, available to non-residents, low KYC friction. |
| Cards & Payments | Useful for spending in multiple currencies with one card. | Physical + virtual cards, contactless support, Apple/Google Pay. |
| Regulation & Safety | Ensures funds are protected and services are legitimate. | EMI license, EU deposit protection, secure apps. |
Avoid Hidden Fees: How Multi-Currency Accounts Save You Money
Multi-currency accounts help you avoid hidden fees by allowing you to hold and spend in local currencies without forced conversions. They also offer more transparent exchange rates and reduce costly international transaction charges.
Multi-Currency Accounts vs. Traditional Bank Accounts
Multi-currency accounts offer greater flexibility for handling international transactions by letting you hold multiple currencies in one account. In contrast, traditional bank accounts often charge high fees for foreign transactions and support only one base currency. For global users, remote workers, or frequent travelers, multi-currency options provide more control and fewer surprise fees.
Comparison Table
| Feature | Multi-Currency Account | Traditional Bank Account |
|---|---|---|
| Currency Support | Hold 5–30+ currencies in one account | Usually supports only one local currency |
| International Transfers | Low FX fees, local receiving accounts | High SWIFT fees, slower processing |
| Account Opening | Online, fast onboarding | Often requires in-person visit |
| Debit Card Usage | Spend in multiple currencies with 1 card | Foreign usage triggers conversion fees |
| Exchange Rates | Mid-market or close to real-time | Bank-set rates with higher spreads |
| Ideal For | Freelancers, travelers, international users | Local daily banking needs |
Top FAQs: Multi-Currency Accounts
A multi-currency account allows you to hold, send, and receive multiple currencies in a single account. This helps you manage international finances without converting between currencies every time.
These accounts are ideal for frequent travelers, freelancers, remote workers, and anyone who deals with cross-border transactions. They’re also useful for digital nomads or expats managing income or expenses across different countries.
Yes, most are regulated by EU financial authorities and follow strict security and anti-money laundering protocols. If the provider is licensed as an e-money institution or bank, customer funds are usually safeguarded or covered by deposit protection schemes.
Not always. Many fintech platforms allow non-EU residents to open accounts online with a valid ID, though some may have regional restrictions or additional KYC requirements.
They help you avoid automatic currency conversions by letting you spend or transfer directly in the needed currency. You also often get better exchange rates (close to mid-market) and avoid hidden bank markups.
Yes, most platforms give you local IBANs or account numbers in multiple currencies (e.g., EUR, GBP, USD) for receiving payments. This makes them suitable for freelance gigs, international salaries, or client transfers.
Popular platforms support major currencies like EUR, USD, GBP, CHF, AUD, and sometimes up to 30 or more. Some also offer niche currencies depending on demand and partnerships (e.g., SEK, PLN, CAD).