Local account details
Some accounts give you a local number for a currency, so a payer can send money as if it were a domestic payment. Ask which currencies have them, and in whose name they are issued.
Banking & Payments
Multi-currency accounts
Understand how accounts that hold, receive and send more than one currency work — and what to compare around conversion costs, account details, payments and protection.
A multi-currency account can reduce unnecessary conversions, but it does not remove exchange-rate risk or automatically make international payments cheaper.
A multi-currency account lets you receive, hold and pay in more than one currency. Conversion, when you choose to do it, still has a price. For a larger amount, compare that price with a specialist transfer.
Money in
GBP
An example of one currency arriving. Others are possible.
Multi-currency account
- GBP
- EUR
- USD
- AED
Illustration of balances that can sit side by side. Not a recommended set, and not a rate.
Money out
- Spending
- Transfers
- Investments
- Property
- Bills
On a small screen the three stages stack: money in, the account, then money out.
Conversion does not necessarily happen when money enters the account. It may happen only when you choose to exchange one balance for another.
The account
How multi-currency accounts work
You hold separate balances. Money can arrive in one currency, stay there, and leave in that currency. A conversion is a further step: one balance goes down, another goes up, at a rate the provider offers at that moment.
Balances
Holding multiple currencies
Each balance can rise and fall on its own. Holding a currency does not remove the risk that it moves against the currency you later need. It can simply delay the moment you convert.
Ask which currencies you can hold, which you can receive, and which you can spend on a card. Those three lists are not always the same.
Payments in and out
Receiving and sending money
Receiving money internationally
A payer may need an account number, a code, the account name and sometimes the address of a bank in the chain. A missing detail can delay or return the payment.
Sending money internationally
You choose the currency you send from, the currency the recipient should get, and who pays any intermediary charge. Those are three decisions.
Foreign exchange
The exchange rate matters more than the word “fee”
A provider may charge through more than one layer. This page does not state a percentage for any of them.
01
An explicit transfer fee
A charge shown as a fee for sending the payment.
02
An FX spread
The gap between the rate you are offered and a mid-market rate.
03
An exchange-rate markup
A margin built into the rate, sometimes instead of a separate fee.
04
A weekend or out-of-hours adjustment
Some providers widen the rate when the market is closed. Ask whether that applies.
05
Intermediary banking costs
A bank in the middle of an international payment may deduct a charge.
06
A recipient-bank charge
The bank that receives the money may also charge.
Compare the amount the recipient actually receives, not just the advertised transfer fee.
FX cost comparisonCharges
Fees and charges
Ask for the full set in money, on a payment like the one you expect to make. A fee table with an unnamed “from” amount is not that answer.
- Which fees are charged when money arrives?
- Which fees are charged when money leaves?
- Which appear only when you convert?
- Which sit on the card or the cash machine?
- Which depend on the amount?
Spending
Cards, cash machines and regular payments
Cards and spending
A card may spend from a balance you already hold, or convert at the provider’s rate if you do not hold that currency. Ask which happens.
ATM withdrawals
The provider and the cash machine can each charge. A withdrawal can also convert if you take local currency you do not hold.
Salary and business payments
Ask whether wages, a pension or a business invoice can be paid to the details you are given. Personal and business accounts can be different products.
Large transfers, including a property payment or a move of savings, can be delayed while the provider asks where the money came from. Leave time, and keep the documents that explain it.
The numbers you share
Account details are not the same for every currency
One login can hide several sets of details. A pound balance, a euro balance and a dollar balance may each use a different account number, and one of them may not have local details at all.
Two models
A bank and a multi-currency provider can both be the right question
Traditional bank
- A broader banking relationship may be available
- Credit products may be available
- Branch or telephone support may exist
- International services vary by bank
Multi-currency or fintech provider
- Currency balances are often the main feature
- Opening is often done in an app
- Conversion tools may show the rate before you accept it
- Local account details may be available for some currencies
Legal protections and account structures can differ. Always check which entity holds the money and what protection applies.
Account structure
What kind of account is it?
The money may be a bank deposit. It may be safeguarded by a payment institution or an e-money institution. It may sit in a client-money arrangement. The legal entity named in the contract is the one that matters. This page does not say which protection applies in any jurisdiction.
- Is this a bank account?
- Who legally holds my money?
- Which entity provides the service?
- Which regulator supervises it?
- Does deposit protection apply?
- If not, how are customer funds safeguarded?
Who can open it
Residency and country availability
Providers choose which countries of residence they accept. A move can change that answer even when the balances look the same. Ask before you move, and ask again if you expect to move a second time.
Reporting
Tax and reporting
An account in several currencies can still be reportable where you are tax resident. Interest, or the way a gain on a conversion is treated, is a question for that country’s rules. The provider may also ask where you are tax resident. That request is not tax advice, and this page does not state a rate.
Using one alongside investments
Funding a portfolio, or receiving a sale proceed, can mean a conversion at the account, at the investment platform, or both. Ask where the conversion happens and what it costs.
Using one while relocating
A balance you can spend in the destination currency can be useful during a move. It does not replace the question of whether the provider will still serve you after you become resident there.
Read about expat bankingDue diligence
Questions to ask a multi-currency provider
01Which currencies can I hold?
Ask for the balances available on the account you would open, not a general marketing list.
02Which currencies can I receive?
Holding a currency and being able to receive a payment in it can be different. Ask both.
03Do I receive local account details?
Ask which currencies come with local details, and which legal name appears on them.
04What FX rate is used?
Ask whether you see a mid-market rate, a provider rate, or a rate fixed at a particular time.
05What markup or spread applies?
Ask for the margin in plain terms, on the amount you expect to convert. This page does not publish a percentage.
06Are there transfer fees?
Ask for outgoing fees separately from the exchange rate.
07Are there incoming-payment fees?
A payment that arrives can still be charged. Ask who deducts it.
08Are intermediary-bank charges possible?
On some international routes, a bank in the middle can take a fee. Ask who bears it.
09What card FX fees apply?
Ask about the card fee and any margin when you spend in a currency you do not hold.
10What ATM fees apply?
Ask what the provider charges, and whether the cash machine can add another charge.
11Can I use the account after moving country?
Ask for your next country of residence before you rely on the account through a move.
12Which countries are supported?
Ask which countries of residence can open and keep the account.
13Who legally holds my money?
Ask for the legal entity, not only the brand on the app.
14Which regulator supervises the provider?
Ask which authority authorises the entity that holds or safeguards the money.
15What protections apply?
Ask whether deposit protection applies and, if it does not, how customer funds are held. This page does not describe a scheme.
16Are there balance limits?
Ask whether a currency balance, or the account as a whole, has a cap.
17Are there transfer limits?
Ask about daily or per-payment limits, and whether a larger payment needs extra review.
18How are large transfers reviewed?
A property deposit or a portfolio move can be delayed while the provider asks where the money came from.
19Can I receive salary or pension payments?
Ask whether the payer can use the details you would be given, and in which currency.
20Can I use the account for property transactions?
Ask the provider and the lawyer or agent whether those details are accepted for a deposit or completion payment.
Easy to miss
Common mistakes
- Treating a low headline fee as the whole cost
- Converting on every receipt when the money will be spent in the same currency
- Assuming local account details exist for every currency shown in the app
- Ignoring a charge taken by a bank in the middle of the payment
- Using the account for a property payment without checking the details will be accepted
- Assuming the same protection applies as on a deposit account at a bank
Situations
Common scenarios
Situations in which the questions come up. They are not a reason to open an account.
01
Salary in one currency, rent in another
Two balances can keep each payment in its own currency until you choose to convert.
02
A freelancer paid from abroad
The question is which details the client can pay to, and what arrives after any fee in the chain.
03
Family support sent each month
Compare a standing conversion with a specialist transfer on the amount you actually send.
04
A property deposit
Amount, timing and the name on the account details matter. A large payment can also be reviewed.
05
Funding an investment account
The currency you hold and the currency the platform settles in can be different. Conversion may happen at either step.
06
A business paid in several currencies
Personal and business use can be different products. Ask which one you are opening.
Right fit
When a multi-currency account may not be necessary
A second way of holding cash is useful when you actually receive or spend more than one currency. It is an extra account when you do not.
- You live, earn and spend in one currency
- You convert only occasionally, and a card payment is enough
- Your bank already holds the second currency you need
- The extra account would add reporting without a payment you actually make
Professional support
When specialist help may be useful
A large transfer, a property payment, a move of residence, or uncertainty about which entity holds the money are moments to slow down. A qualified adviser or the provider’s own documentation should answer the facts this page leaves open.
Compare multi-currency providers
Accounts for holding and moving money in more than one currency
Compare banks, digital banks and payment-account providers that allow customers to hold, receive, convert or spend in multiple currencies.
Not every multi-currency provider is a bank, and not every supported currency can necessarily be held, received and spent in the same way.
Holding a currency is not the same as receiving it
A provider may allow you to convert into a currency without providing local receiving details for that currency. Likewise, an account may support international payments in a currency without letting you hold a balance in it.
Multi-currency does not always mean a bank account
Some providers are banks. Others are payment or e-money institutions. The legal structure affects how customer money is held and which protection framework applies.
What to compare
“Supports multiple currencies” is only the starting point
01
Holding
Which currencies can remain as balances in the account?
02
Receiving
Which currencies can you receive directly?
03
Local details
Do you receive local account details in relevant currencies?
04
Conversion
How is currency exchange priced?
05
Payments
Can you send locally and internationally?
06
Card spending
Which currency balance is used when you spend?
07
Protection
Is the account a bank deposit or a safeguarded payment account?
08
Relocation
What changes if your country of residence changes?
Filter multi-currency providers
10 providers listed for comparison.
A reach mark names the footprint in the reviewed material. It does not mean every resident there can open the account. DBS and OCBC are Singapore banks, so they sit outside the international-bank and offshore-bank filters.
bunq
Digital bank
A licensed European digital bank. Multi-currency features depend on the plan, and country availability matters.
- Legal status
- Digital bank
- Reach
- Supported European markets
- Account model
- Digital bank account
- Currencies
- Multi-currency and travel-oriented features, depending on the plan.
- Currencies held
- Not separately stated. Multi-currency features depend on the plan.
- Currencies received
- Not separately stated.
- Local receiving details
- Not publicly stated.
- FX / conversion
- FX and travel features depend on the plan. A conversion price is not published here.
- International transfers
- Transfers are described.
- Card access
- Cards are described.
- Salary / income
- Not publicly stated.
- If you move country
- European-focused. Country availability matters. Continuity after a move is not publicly stated.
Minimum / eligibility
Plan-dependent.
Fees
Plan-dependent. Check the current tariff.
Protection / safeguarding
Licensed European bank. Country availability matters. Deposit protection depends on the entity and the country.
Protection depends on the legal entity, account model and jurisdiction.
DBS
Multi-currency bank account
A Singapore bank account with multi-currency balances, for residents and people relocating to Singapore. It is not described as a universal offshore account.
- Legal status
- Bank
- Reach
- Singapore residents / relocators
- Account model
- Multi-currency bank account
- Currencies
- SGD plus 12 foreign currencies (13 in total) on My Account and Multiplier.
- Currencies held
- SGD plus 12 foreign currencies, 13 in total, on My Account and Multiplier.
- Currencies received
- Not separately stated.
- Local receiving details
- Not publicly stated beyond the Singapore account itself.
- FX / conversion
- Not publicly stated as a conversion price.
- International transfers
- Remittance and overseas transfer.
- Card access
- A card is described.
- Salary / income
- Not publicly stated.
- If you move country
- Singapore-focused. A move away from Singapore can change what stays open.
Minimum / eligibility
My Account can have no initial deposit or account fees. Premium segments vary.
Fees
Account features and pricing are published. My Account can have no initial deposit or account fees. Premium segments vary.
Protection / safeguarding
Singapore-regulated bank. Foreign-currency deposits have distinct protection considerations.
Protection depends on the legal entity, account model and jurisdiction.
HSBC Expat
International bank
An international bank account booked in Jersey, with a core balance in sterling, euro or US dollars and further currency services described alongside it.
- Legal status
- Bank
- Reach
- Eligible countries
- Account model
- International bank account
- Currencies
- Core account in GBP, EUR or USD. Global Money and savings are described in more currencies.
- Currencies held
- A core account in GBP, EUR or USD. Global Money and savings are described in more currencies. Those extra currencies are not listed here.
- Currencies received
- Not separately stated.
- Local receiving details
- Local details on the Jersey account are not publicly stated. The provider can help open local accounts in 30+ markets.
- FX / conversion
- FX services are described. A conversion price is not published here.
- International transfers
- Global transfers and international transactions.
- Card access
- Debit card.
- Salary / income
- Not publicly stated.
- If you move country
- The account is aimed at expats and globally mobile customers. Confirm it still applies in the next country.
Minimum / eligibility
Typical eligibility includes £75,000 in investments or savings, or a qualifying Premier route. Residence eligibility applies.
Fees
The tariff and eligibility are published. Typical eligibility includes £75,000 or a qualifying Premier route.
Protection / safeguarding
HSBC Bank plc, Jersey branch. Cross-border availability depends on where the client lives. Deposit protection depends on that entity.
Protection depends on the legal entity, account model and jurisdiction.
Monese
Payment / e-money account
A digital money account for supported UK and EU markets. It is not a traditional bank account.
- Legal status
- E-money institution
- Reach
- Supported UK and EU markets
- Account model
- E-money account
- Currencies
- Multi-currency features across supported account currencies.
- Currencies held
- Not separately stated. Multi-currency features cover supported account currencies.
- Currencies received
- Not separately stated.
- Local receiving details
- Not publicly stated.
- FX / conversion
- Not publicly stated.
- International transfers
- International transfers.
- Card access
- A card is described.
- Salary / income
- Not publicly stated.
- If you move country
- UK and EU footprint. Continuity after a move is not publicly stated.
Minimum / eligibility
A low or no traditional bank-balance requirement is described.
Fees
Check the current tariff. A low or no traditional bank-balance requirement is described.
Protection / safeguarding
EMI, not a bank. The relevant entity depends on whether the account is a UK or an EU account. Safeguarding is not the same as bank deposit protection.
Protection depends on the legal entity, account model and jurisdiction.
NatWest International
Offshore bank
A Jersey-booked international bank account, with a sterling International Select account and a Cash Management account in more than one currency.
- Legal status
- Bank
- Reach
- Eligible countries
- Account model
- Cash-management account
- Currencies
- International Select is in GBP. Cash Management supports multiple currencies, with fixed deposits in GBP, USD and EUR.
- Currencies held
- International Select is in GBP. Cash Management supports multiple currencies. Fixed deposits are described in GBP, USD and EUR.
- Currencies received
- Not separately stated.
- Local receiving details
- Not publicly stated.
- FX / conversion
- FX is part of the described service. A conversion price is not published here.
- International transfers
- International transfers.
- Card access
- A card is described.
- Salary / income
- Not publicly stated.
- If you move country
- For qualifying expats and non-residents in eligible countries. Confirm the next country before you move.
Minimum / eligibility
£25,000 minimum relationship balance. International Select has an £8 monthly fee.
Fees
£25,000 minimum relationship balance. International Select has an £8 monthly fee. Check the current tariff for other charges.
Protection / safeguarding
Accounts are based in Jersey. Eligible-country restrictions apply. Deposit protection depends on that entity.
Protection depends on the legal entity, account model and jurisdiction.
OCBC
Multi-currency bank account
A Singapore bank account with a Global Savings Account in up to 10 major currencies, including a remote route for selected passport holders.
- Legal status
- Bank
- Reach
- Selected passport holders
- Account model
- Multi-currency bank account
- Currencies
- The Global Savings Account supports up to 10 major currencies.
- Currencies held
- Up to 10 major currencies in the Global Savings Account. The ten currencies are not listed here.
- Currencies received
- Not separately stated.
- Local receiving details
- A local statement account is bundled for eligible remote applicants.
- FX / conversion
- FX tools are described. A conversion price is not published here.
- International transfers
- Cross-border payments and transfers.
- Card access
- Debit card.
- Salary / income
- Not publicly stated.
- If you move country
- Remote onboarding is for selected passport holders planning to relocate to Singapore. Confirm what remains if you later leave.
Minimum / eligibility
Global Savings has currency-specific initial-deposit thresholds. No single figure is stated. A local statement account is bundled for eligible remote applicants.
Fees
The currency list, eligibility and fees are published. Initial deposits are currency-specific, and no single figure is stated here.
Protection / safeguarding
Singapore-regulated bank. Eligible passport or pass requirements depend on the onboarding route.
Protection depends on the legal entity, account model and jurisdiction.
Revolut
Digital bank
A digital banking and multi-currency app. Whether the account is a bank account or an e-money account depends on the country and the entity.
- Legal status
- Account model varies by country
- Reach
- Confirm by residence
- Account model
- Digital bank account or e-money account
- Currencies
- Personal users can hold and exchange numerous currencies. A US help page lists 25+ supported holding currencies.
- Currencies held
- Numerous currencies. A US help page lists 25+ supported holding currencies. That page is a currency source, not a statement of where the account can be opened.
- Currencies received
- Not separately stated. Local and international payments are described, and the feature set varies by market.
- Local receiving details
- Not publicly stated as one set of local details. The feature set varies by market.
- FX / conversion
- Plan-dependent. Plan and feature fees are published by market. An allowance is not the same as conversion without a charge.
- International transfers
- Local and international payments are described. The feature set varies by market.
- Card access
- Cards are part of the described feature set.
- Salary / income
- Not publicly stated.
- If you move country
- The entity and the features vary by residence. Confirm what changes if you move.
Minimum / eligibility
Free and paid plans, depending on the market.
Fees
Plan and feature fees are published by market. Check the current tariff.
Protection / safeguarding
The banking or e-money entity varies by country. Disclosures have to be read for the market that would serve you.
Protection depends on the legal entity, account model and jurisdiction.
Santander International
International bank
An offshore current account in sterling, euro or US dollars, booked in the Channel Islands or the Isle of Man.
- Legal status
- Bank
- Reach
- Confirm by residence
- Account model
- International current account
- Currencies
- GBP, EUR and USD current-account options.
- Currencies held
- GBP, EUR and USD current-account options.
- Currencies received
- Not separately stated.
- Local receiving details
- Not publicly stated.
- FX / conversion
- FX is part of the described service. A conversion price is not published here.
- International transfers
- International payments.
- Card access
- Visa debit.
- Salary / income
- Not publicly stated.
- If you move country
- Availability is subject to eligibility. Continuity after a further move is not publicly stated.
Minimum / eligibility
International customers outside core local markets face a £75,000 minimum-balance threshold or a fee. UK-resident new business is generally £500,000.
Fees
Balance requirements and payment fees are published. Outside core local markets the threshold is £75,000 or a fee. UK-resident new business is generally £500,000.
Protection / safeguarding
International banking entity. Residency and minimum-balance rules are material. Deposit protection depends on that entity.
Protection depends on the legal entity, account model and jurisdiction.
Standard Bank International
Offshore bank
An offshore and international bank account. The currencies named in the reviewed material include sterling, US dollars, Australian dollars and euro.
- Legal status
- Bank
- Reach
- Confirm by residence
- Account model
- Offshore bank account
- Currencies
- Major currencies, including GBP, USD, AUD and EUR.
- Currencies held
- Major currencies, including GBP, USD, AUD and EUR.
- Currencies received
- Not separately stated.
- Local receiving details
- Not publicly stated.
- FX / conversion
- Forex is part of the described service. A conversion price is not published here.
- International transfers
- International payments.
- Card access
- Cards are described.
- Salary / income
- Not publicly stated.
- If you move country
- Aimed at internationally mobile and offshore clients. Eligibility and the account centre depend on jurisdiction.
Minimum / eligibility
Varies by account and customer location.
Fees
Some product detail is published. Eligibility can be account-specific. Check the current tariff.
Protection / safeguarding
Regulated bank. The exact entity and the protection scheme depend on the booking centre.
Protection depends on the legal entity, account model and jurisdiction.
Wise
Multi-currency payment account
A multi-currency payment account for holding, receiving and sending money. The Wise Account is not a bank account.
- Legal status
- Payment institution / EMI
- Reach
- Broad international coverage
- Account model
- Payment account
- Currencies
- Hold 40+ currencies. Local account details are available in multiple currencies, depending on location.
- Currencies held
- 40+ currencies.
- Currencies received
- Local and SWIFT receiving, depending on the currency and location.
- Local receiving details
- Available in selected currencies, depending on location.
- FX / conversion
- Pricing and conversion fees are publicly disclosed. Check the rate and any fee for the currencies and amount involved.
- International transfers
- Send globally.
- Card access
- Card spending is described.
- Salary / income
- Salary and pension receiving are part of the published use case. Confirm the payer can use the details you are given.
- If you move country
- Product availability varies by registered address. Confirm what changes if you move.
Minimum / eligibility
No general high-balance requirement.
Fees
Pricing and conversion fees are publicly disclosed. Check the current tariff.
Protection / safeguarding
EMI / payments provider. This is not a bank account. The entity and the safeguarding regime depend on location.
Protection depends on the legal entity, account model and jurisdiction.
Different multi-currency accounts work in different ways
Multi-currency bank account
Balances are held inside a bank account, subject to that bank and entity’s rules.
Digital bank
App-led banking with multi-currency features and a country-specific legal entity.
Payment / e-money account
An account for holding, receiving or moving money. It is not necessarily a bank deposit.
International / offshore bank
A traditional bank account with multi-currency features, often with eligibility or a minimum balance.
Compare legal structure and protection before comparing the number of currencies.
Compare multi-currency accounts
Compare what you can hold, local receiving details and the legal model. Open a profile for FX, cards and protection.
| Provider | Type | Legal status | Currencies | Local details | Transfers | Card | Minimum | View |
|---|---|---|---|---|---|---|---|---|
| Digital bank | Digital bank | Multi-currency and travel-oriented | Not publicly stated. | Transfers are described. | Cards are described. | Plan-dependent. | View |
| Multi-currency bank account | Bank | SGD plus 12 foreign currencies (13 | Not publicly stated beyond the | Remittance and overseas transfer. | A card is described. | My Account can have no initial | View |
| International bank | Bank | Core account in GBP | Local details on the Jersey account | Global transfers and international transactions | Debit card. | Typical eligibility includes £75 | View |
| Payment / e-money account | E-money institution | Multi-currency features across | Not publicly stated. | International transfers. | A card is described. | A low or no traditional | View |
| Offshore bank | Bank | International Select is in GBP | Not publicly stated. | International transfers. | A card is described. | £25,000 minimum relationship balance | View |
| Multi-currency bank account | Bank | The Global Savings Account supports | A local statement account is bundled | Cross-border payments and transfers. | Debit card. | Global Savings has | View |
| Digital bank | Account model varies by country | Personal users can hold and exchange | Not publicly stated as one set of local details | Local and international payments are described | Cards are part of the | Free and paid plans | View |
| International bank | Bank | GBP, EUR and USD current-account options | Not publicly stated. | International payments. | Visa debit. | International customers outside | View |
| Offshore bank | Bank | Major currencies | Not publicly stated. | International payments. | Cards are described. | Varies by account and customer location | View |
| Multi-currency payment account | Payment institution / EMI | Hold 40+ currencies | in selected currencies | Send globally. | Card spending is described. | No general high-balance requirement | View |
| Provider | Type | Currencies | Local details | Card | View |
|---|---|---|---|---|---|
| Digital bank | Multi-currency and travel-oriented | Not publicly stated. | Cards are described. | View |
| Multi-currency bank account | SGD plus 12 foreign currencies (13 | Not publicly stated beyond the | A card is described. | View |
| International bank | Core account in GBP | Local details on the Jersey account | Debit card. | View |
| Payment / e-money account | Multi-currency features across | Not publicly stated. | A card is described. | View |
| Offshore bank | International Select is in GBP | Not publicly stated. | A card is described. | View |
| Multi-currency bank account | The Global Savings Account supports | A local statement account is bundled | Debit card. | View |
| Digital bank | Personal users can hold and exchange | Not publicly stated as one set of local details | Cards are part of the | View |
| International bank | GBP, EUR and USD current-account options | Not publicly stated. | Visa debit. | View |
| Offshore bank | Major currencies | Not publicly stated. | Cards are described. | View |
| Multi-currency payment account | Hold 40+ currencies | in selected currencies | Card spending is described. | View |
bunq
Digital bank
- Legal status
- Digital bank
- Currencies
- Multi-currency and travel-oriented
- Local account details
- Not publicly stated.
- International transfers
- Transfers are described.
- Card
- Cards are described.
- Minimum / eligibility
- Plan-dependent.
DBS
Multi-currency bank account
- Legal status
- Bank
- Currencies
- SGD plus 12 foreign currencies (13
- Local account details
- Not publicly stated beyond the
- International transfers
- Remittance and overseas transfer.
- Card
- A card is described.
- Minimum / eligibility
- My Account can have no initial
HSBC Expat
International bank
- Legal status
- Bank
- Currencies
- Core account in GBP
- Local account details
- Local details on the Jersey account
- International transfers
- Global transfers and international transactions
- Card
- Debit card.
- Minimum / eligibility
- Typical eligibility includes £75
Monese
Payment / e-money account
- Legal status
- E-money institution
- Currencies
- Multi-currency features across
- Local account details
- Not publicly stated.
- International transfers
- International transfers.
- Card
- A card is described.
- Minimum / eligibility
- A low or no traditional
NatWest International
Offshore bank
- Legal status
- Bank
- Currencies
- International Select is in GBP
- Local account details
- Not publicly stated.
- International transfers
- International transfers.
- Card
- A card is described.
- Minimum / eligibility
- £25,000 minimum relationship balance
OCBC
Multi-currency bank account
- Legal status
- Bank
- Currencies
- The Global Savings Account supports
- Local account details
- A local statement account is bundled
- International transfers
- Cross-border payments and transfers.
- Card
- Debit card.
- Minimum / eligibility
- Global Savings has
Revolut
Digital bank
- Legal status
- Account model varies by country
- Currencies
- Personal users can hold and exchange
- Local account details
- Not publicly stated as one set of local details
- International transfers
- Local and international payments are described
- Card
- Cards are part of the
- Minimum / eligibility
- Free and paid plans
Santander International
International bank
- Legal status
- Bank
- Currencies
- GBP, EUR and USD current-account options
- Local account details
- Not publicly stated.
- International transfers
- International payments.
- Card
- Visa debit.
- Minimum / eligibility
- International customers outside
Standard Bank International
Offshore bank
- Legal status
- Bank
- Currencies
- Major currencies
- Local account details
- Not publicly stated.
- International transfers
- International payments.
- Card
- Cards are described.
- Minimum / eligibility
- Varies by account and customer location
Wise
Multi-currency payment account
- Legal status
- Payment institution / EMI
- Currencies
- Hold 40+ currencies
- Local account details
- in selected currencies
- International transfers
- Send globally.
- Card
- Card spending is described.
- Minimum / eligibility
- No general high-balance requirement
WiT Access provides general information and comparison resources. Currency availability, fees, account eligibility and customer-money protections vary by provider, legal entity and jurisdiction. Nothing on this page constitutes financial, tax or legal advice.
Payment and e-money accounts are not necessarily protected in the same way as bank deposits.
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Comparing a multi-currency account?
Look at the amount that arrives, who holds the money, and whether the account still works if you move.
WiT Access provides general information and comparison resources. Nothing on this page constitutes financial, tax or investment advice. Exchange rates, fees, account availability and customer protections vary by provider and jurisdiction.