Best multi-currency business account for US companies

A US company that sells abroad or pays people abroad needs balances in more than dollars. Four providers lead the search results. Here is how their pricing models differ.

Alexia M.Comparisons and market guides editor

Published: 20 June 2026
Updated: 4 November 2026
Reading time: 2 min read

Google suggests "best multi currency account" with "uk", "singapore" and "australia" before the US, partly because US companies discover the need later. It usually arrives with the first European customer or the first contractor in Latin America. Prices below were read on each US pricing page between 1 and 4 November 2026.

Four pricing models

	Plan fee	FX	Local details
Wise Business	$31 once	From 0.23%, by currency	22 currencies
Revolut Business	$10 to $140 a month	Interbank up to $1,000 to $80,000, then 0.6%	Several, by plan
Airwallex	$0 Explore; Grow $12 per user plus platform fee	0.5% majors, 1% others	Many currencies
Rivet	$0 Starter; $200 Growth; $500 Scale	From 0.80%, 0.50%, 0.30%	USD on Starter; EUR and GBP on Growth; 25 more on Scale

What to compare besides FX

Local details in your company's name. A euro IBAN lets EU clients pay by SEPA. Holding euros without details means they still send a wire.
Payout reach and fee. Paying 20 contractors a month at $5 each is $100.
Team controls. Cards per person, limits and approvals matter once more than two people spend.
Per-user pricing. It looks small and grows with every cardholder.

A monthly example

A US agency receives $30,000 in euros and pays $25,000 to contractors in Europe and Latin America.

If it holds euros, it pays most European contractors from the euro balance with no conversion.
It converts only the Latin American share and the surplus.

On a 0.5% margin, converting $10,000 instead of $55,000 saves about $225 a month.

Paying into the United States: the local rail

What	Detail
Local rail	ACH for batch payments; RTP and FedNow for instant transfers
Run by	Nacha for ACH; The Clearing House for RTP; the Federal Reserve for FedNow
Settlement	Same-day ACH within the business day, standard ACH the next; RTP and FedNow in seconds, 24/7, where both banks take part

Source: Nacha: Same Day ACH. Checked when this guide was last updated; the scheme's own page has the current figures.

Where Rivet fits

Rivet is a multi-currency business account for registered companies, including US LLCs owned from abroad. Starter is free with USD details. Growth adds EUR and GBP details, local payouts to 120+ countries and approvals for 10 members. Scale adds CAD, HKD and 25 more currencies. Rivet is not a bank; regulated partner institutions hold the funds. See the multi-currency business account guide.

Questions people ask

What is a multi-currency business account?

An account that holds balances in several currencies and gives the company local details to receive them, such as a euro IBAN or a UK sort code, so customers pay domestically.

Which multi-currency account is cheapest?

It depends on volume. Wise is cheapest per conversion on major pairs at low volume. Revolut can be cheapest if your conversion fits its allowance. Airwallex and Rivet suit teams that also need cards and payouts at scale.

Do US banks offer multi-currency accounts?

Some large banks offer foreign currency accounts, often with minimum balances and relationship requirements. Fintech accounts are usually easier to open for small companies.

Is my money safe in a multi-currency account?

Check who holds the funds. Fintech providers use regulated partner institutions; ask whether funds are safeguarded or insured and how.

Sources

Written by

Alexia M.

Comparisons and market guides editor

Alexia compares the accounts, cards and payment tools companies weigh before they switch, and writes Rivet's market guides for founders in a specific country. Prices in Alexia's comparisons come from each provider's own pricing page on the date given in the article, rules come from the regulator or tax authority that sets them, and every source is listed at the end.