Compare 24 multi-currency accounts for personal and business use
Choose between cards and travel wallets, local receiving details, business collection accounts and broker-backed FX support. They solve different problems.
Start with the account that matches how the money arrives
Holding a currency, receiving a local payment and running international business finance are separate capabilities.
Wise Account
Strong for personal and business balances, local receiving details in selected markets, card spending and transparent conversions.
Reviewed by MTC Read review
Revolut
A broad app-led account with cards, balances and transfers. Plan allowances and weekend pricing need attention.
Reviewed by MTC Read review
OFX Global Business Account
A multi-currency business account connected to an established transfer firm and human FX support.
Business customers only Read review
WorldFirst World Account
Built around international collections, marketplaces, local receiving details and supplier payments.
Business customers only Read review
The useful question is not how many currencies appear in the app
Ask which currencies can be held, which can be received from another person or company, whether the account details are local or SWIFT, whether they are in your name, and what protection applies to the balance. Those answers decide whether the account can replace a local bank relationship.
The right account depends on who pays you and what happens after the money arrives
Wise and Revolut remain the natural personal starting points, but neither is automatically the best business account. WorldFirst, Airwallex, Payoneer, OFX and moneycorp serve different operational needs.
The research now covers 24 accounts. Ten have been added for market breadth even though MTC has not yet completed a full provider review. Equals Money, Currenxie, 3S Money, Statrys, Verto, ZEN.COM, bunq, Transwap, Altery and Skrill are labelled accordingly.
A company receiving marketplace income needs different rails from a traveller spending from a card. A firm collecting from US customers may need ACH details. A European consultant may only need an IBAN. A global finance team may value roles, approval controls, cards and APIs more than the cheapest one-off conversion.
Know what type of account you are comparing
Currency wallet
Holds and converts balances inside a payment firm's system. It may not provide local receiving details for every held currency.
Local receiving account
Provides bank details such as a sort code, routing number or IBAN so customers can pay locally in a supported market.
Business payments platform
Adds cards, expenses, marketplace collections, mass payments, approvals, APIs and accounting connections.
Bank foreign-currency account
A deposit account offered by a bank. Eligibility, fees and protection differ from an e-money or payment account.
Virtual IBAN
An IBAN linked to a payment account or wallet. Verify the account holder name, supported incoming payments and settlement currency.
Card-led travel account
Designed around spending abroad. Exchange allowances, weekend pricing and cash withdrawal limits can matter more than receiving tools.
Search 24 personal, business and specialist multi-currency accounts
The purple label means the account is researched but not yet fully reviewed by MTC. Treat it as a candidate for further checking, not a rating.
Multi-currency account finder
The cards distinguish holding money from receiving it through local account details.
Wise Account
Personal and business accountHold multiple currencies, get local receiving details in selected markets, convert funds and spend with a card where available.
Revolut
Digital account and cardStrong for app-led currency holding, card spending and transfers. Plan allowances and weekend pricing can change the total cost.
OFX Global Business Account
Business multi-currency accountOFX says its business account can hold and pay in more than 30 currencies, with local receiving details for selected major currencies.
WorldFirst World Account
Business payment accountBuilt for international businesses and online sellers, with local receiving details in more than 20 currencies and payments in a much wider set.
Airwallex
Global business platformCombines multi-currency accounts, transfers, payment acceptance, cards, expenses and integrations for internationally active companies.
Payoneer
Marketplace payment accountLocal receiving accounts and marketplace integrations make Payoneer useful for freelancers, contractors and cross-border sellers.
moneycorp
Broker-backed business accountA multi-currency business account sits beside dealer support, mass payments and hedging, which suits firms with more complex currency exposure.
CurrencyFair
Online currency accountAn online account for holding and exchanging supported currencies. It is simpler than a full finance platform and has no dedicated dealer.
MultiPass
Business payment accountA business account and payments platform covering local details, multiple currencies and company cards, subject to eligibility.
Interpolitan Money
International business accountA business-focused account offering virtual IBAN and international payment tools rather than a mass-market personal wallet.
PayPal
Payment walletConvenient when customers already pay through PayPal, though conversion costs and withdrawal rules need close attention.
HSBC Expat
International bank accountA bank account for eligible international customers who want multi-currency banking alongside savings and other financial products.
Monese
Digital current accountA digital account with currency and transfer features. The review history points to a more limited international-payment proposition than Wise or Revolut.
FairFX
Currency card and accountA UK-focused provider offering currency cards and international payment functions for travellers and businesses.
Equals Money
Multi-currency business accountOwn-named multi-currency accounts with dedicated support. The UK page currently advertises 35+ currencies, while European product coverage differs.
Currenxie
Global business accountLocal receiving details in nine current currency and market combinations, plus a wider SWIFT account. Strongest where Hong Kong or Asian payment routes matter.
3S Money
International business accountA relationship-managed account advertising 65+ held currencies, local IBAN options and payments across 190+ countries and territories.
Statrys
Asia-focused business accountSupports 11 incoming currencies and local payouts in selected markets. Eligibility is centred on Hong Kong, Singapore and certain internationally connected companies.
Verto
Business collection and FX platformLocal accounts in selected currencies, global account details and a wider currency wallet. Its African collections and payouts are the point of difference.
ZEN.COM
Personal and business multi-currency accountA personal and business account that currently supports holding, sending and receiving in 35 currencies, with cards and subscription pricing.
bunq
European bank with foreign currenciesA European bank account with separate foreign-currency functions. Non-euro balances use partner infrastructure, and receiving methods vary by currency.
Transwap
Multi-currency treasury accountA business treasury account advertising 34 held currencies and local clearing access in Singapore, the UK, US, EU, Hong Kong and Indonesia.
Altery
Business account and cardsA narrower account proposition with GBP, EUR and USD receiving, payments to 100+ countries, business cards and batch-payment tools.
Skrill
Consumer payment walletA long-running payment wallet that can hold and convert several currencies. Its fees and account rules make it a different comparison from Wise or a bank account.
Major multi-currency accounts compared
Capabilities can differ by residence and account type. Confirm the live product before applying.
| Provider | Customer | Local receiving details | Cards | Wider strength | Main limitation |
|---|---|---|---|---|---|
| Wise | Personal and business | Selected major currencies | Where available | Transparent conversion and account tools | Availability varies by residence |
| Revolut | Personal and business | Selected currencies | Core product | Spending and broad app | Plan and weekend pricing |
| OFX | Business | USD, CAD, EUR and GBP on current US product page | Business product dependent | 30+ held and payment currencies | Business only |
| WorldFirst | Business | 20+ currencies advertised | World Card | Marketplace collections and supplier payments | Business only |
| Airwallex | Business | 20+ currencies advertised | Corporate cards | Accounts, expenses, checkout and APIs | Business only |
| Payoneer | Business and freelance | 11 major receiving currencies advertised | Eligibility based | Marketplaces and contractor income | Pricing varies by payment path |
Ten additional accounts now sit beside the reviewed brands
These firms have not all received full MTC reviews. They are included because their product data changes the comparison, especially for businesses outside the usual Wise and Revolut use case.
| Provider | Customer | Current currency or account signal | What needs checking |
|---|---|---|---|
| Equals Money | Business | 35+ currencies on its UK account page | European product coverage differs |
| Currenxie | Business | Nine current local receiving combinations | Entity and country eligibility |
| 3S Money | Business | 65+ held currencies and local IBAN options | Plan fees and onboarding fit |
| Statrys | Business | 11 incoming account currencies | Hong Kong and Singapore eligibility |
| Verto | Business | Local accounts plus global SWIFT details | Currency access by customer |
| ZEN.COM | Personal and business | 35 held, sent and received currencies | Subscription and transfer pricing |
| bunq | Personal and business | 20 listed foreign currencies | Partner-held non-euro balances |
| Transwap | Business | 34 held currencies and six local clearing markets | Jurisdiction and company eligibility |
| Altery | Business | GBP, EUR and USD receiving focus | Narrower account-detail coverage |
| Skrill | Personal | Multi-currency wallet rather than local bank details | Conversion and withdrawal costs |
The real comparison is operational
For an international business, the account should reduce forced conversion and administrative work. Currency count is only one line in the decision.
Marketplace sellers
WorldFirst and Payoneer are built around marketplace and platform income. Check which marketplaces can pay directly into each local account.
Global finance teams
Airwallex combines accounts with cards, expenses, payment acceptance and APIs. This is broader than a simple currency wallet.
Larger conversions
OFX and moneycorp add human foreign exchange support where timing and risk management matter.
Freelancers
Wise and Payoneer can provide ways to receive foreign client payments without opening a local bank in each country.
European IBAN needs
MultiPass and Interpolitan belong on the research list when virtual IBANs and European business payments lead the decision.
Simple online FX
CurrencyFair offers a narrower held-currency and transfer proposition without trying to replace a full finance stack.
Wise and Revolut lead different use cases
Wise is strongest when the customer wants clear transfer pricing, local account details and a straightforward route between balances and bank accounts.
Revolut is stronger as an everyday money app built around cards, travel, spending and a broader set of app features. Its plan allowances and weekend pricing mean the cheapest route can depend on when and how much is exchanged.
HSBC Expat belongs in a different lane. It is an international bank account for eligible customers who want banking, savings and investments around the currency account.
When not to use one
- A one-off large property transfer needs a dealer
- The receiving currency lacks usable local details
- The platform will not accept third-party business payments
- The balance would exceed your comfort with safeguarding
- You need bank lending, overdrafts or branch service
Protection depends on the legal structure
Banking and FX experience behind the comparison
Russell worked for more than five years in Barclays Corporate Banking and later as a senior relationship manager at WorldFirst. That background matters when separating a simple transfer interface from the operational work behind larger payments.
Read Russell's profile →Wise account details
Wise lists which currencies can be held and which provide local or international receiving details.
Open source →OFX business account
OFX currently advertises holding and paying in more than 30 currencies, with local details in selected markets.
Open source →FSCS deposit protection
Eligible UK bank deposits are protected up to £120,000 per person, per authorised firm from December 2025.
Open source →Currenxie payment network
Currenxie lists the current local receiving combinations and wider SWIFT currency support for its Global Account.
Open source →3S Money account scope
3S Money publishes 65+ held currencies, local IBAN options and its relationship-managed business model.
Open source →ZEN.COM currencies
ZEN.COM currently lists 35 currencies that can be held, sent and received through eligible personal or business accounts.
Open source →Frequently asked questions
What is a multi-currency account?
It is an account or wallet that can hold balances in more than one currency. Receiving details, cards, direct debits and deposit protection are separate features.
Is a multi-currency account a bank account?
Sometimes. HSBC Expat is a bank account, while Wise and Revolut products may be provided through payment, e-money or banking entities depending on market. Check the legal company serving you.
Which account is best for a UK resident?
Wise is strong for transparent transfers and local details. Revolut is strong for cards and travel. A bank account may suit customers who need deposit protection and wider banking services.
Which account is best for an international business?
WorldFirst and Payoneer suit marketplace flows. Airwallex suits a broader finance stack. OFX and moneycorp add foreign exchange support for larger or more managed conversions.
Can every held currency receive local payments?
No. A provider may let you hold and convert a currency without giving you local account details for incoming domestic payments.
Are balances protected by the FSCS?
Only eligible deposits at UK-authorised banks, building societies and credit unions receive FSCS deposit protection. Non-bank payment and e-money firms generally use safeguarding instead.
List what must be received, held, converted and paid
Then check each feature separately. One missing local account detail can matter more than twenty extra currency balances.