Source: https://rivet.global/blog/best-multi-currency-business-account
Published: 2026-10-20 · Updated: 2026-11-05 · By Rashidatou K.

# The best multi-currency business accounts in 2026, by what you need

Seven multi-currency business accounts compared on currencies, FX, monthly fees and stablecoins, with a pick for each type of company.

## Key takeaways

- For occasional conversions between major currencies, Wise Business has the lowest published fee, from 0.24%, and no subscription.
- For marketplace sellers and China suppliers, WorldFirst is free to open and converts at up to 0.50%.
- For teams with cards and bills, Airwallex offers 20+ collection currencies, bill pay and approvals from £0 to £49 a month in the UK.
- For companies that need fiat and stablecoins in one place, Rivet gives USD, EUR and GBP details in the company's name plus USDC and USDT, with a free Starter plan.

A multi-currency account earns its keep in two places: the clients who pay you, and the conversion between what you earn and what you spend. Choose by those two and the shortlist gets short.

Prices are from each provider's pricing page, read in November 2026. UK prices are shown where the provider has several.

## Seven accounts compared

| | Monthly | FX (published start) | Local details | Stablecoins |
|---|---|---|---|---|
| Wise Business | £0 (£50 once) | from 0.24% | 22 currencies | No |
| WorldFirst | £0 | up to 0.50% | 20+ | No |
| Airwallex | £0 to £49 | 0.5% majors, 1% others | 20+ | No |
| Revolut Business | £10 to £90 | 0.6% over plan allowance | 25+ currencies held | No |
| Statrys (HK) | HK$0 | from 0.1% | 11 currencies | No |
| Payoneer | £0 (annual fee if under 6,000 USD) | 0.50% between balances | Several | No |
| Rivet | $0, $200 or $500 | from 0.80%, 0.50%, 0.30% | USD; EUR, GBP; CAD, HKD | USDC, USDT |

## Picks by company type

**You convert now and then between majors:** Wise Business.

**You sell on marketplaces and pay suppliers in China:** WorldFirst.

**Your staff spend on cards and you pay many bills:** Airwallex or Revolut Business.

**You run a Hong Kong trading company:** Statrys.

**You invoice clients abroad, pay contractors in many countries and use stablecoins:** Rivet. Starter is free with USD details in your company's name, unlimited virtual cards and USDC and USDT. Growth adds EUR and GBP details, physical cards and approvals. Scale adds CAD and HKD details and 20 more currencies to hold and convert, 25 in total.

## What to check before you open one

Confirm the account details are in your company's legal name, so payer name checks match. Check the fee to receive a SWIFT payment, which can be 6 USD on one provider and €10 on another. And look at the FX margin at your actual volume. Our guide to [multi-currency business accounts](/blog/multi-currency-business-account-guide) and [how to choose a business account](/blog/how-to-choose-a-business-account) cover the rest.

Rivet is not a bank; regulated partner institutions hold client funds. See [pricing](/pricing).

## Questions

### What is the best multi-currency business account?

There is no single best one. Wise Business is cheapest for occasional conversion, WorldFirst for marketplace sellers, Airwallex for teams that need spend tools, Statrys for Hong Kong companies, and Rivet for companies that need USD, EUR and GBP details with stablecoins in the same account.

### Is a multi-currency account the same as a bank account?

Usually not. Most multi-currency accounts are run by electronic money institutions or payment companies, which hold client money with regulated banks. Rivet is not a bank; regulated partner institutions hold client funds.

### Do I need local account details in each currency?

Only for currencies your clients pay in. Local details let clients pay on domestic rails, which is cheaper and faster than SWIFT. For currencies you only pay out in, holding a balance and paying out is enough.