Best Multi-Currency Accounts for Freelancers in 2025: A Complete Guide

Freelancers working across borders often get paid in different currencies — USD, EUR, GBP, or AUD. Managing these without losing money on conversion fees can be challenging. That’s where multi-currency accounts come in.
In this 2025 guide, we’ll explore the best options for freelancers who want to receive, hold, and send money globally with minimal fees.

Why Freelancers Need a Multi-Currency Account

• 💰 Save on foreign exchange fees and hidden conversion rates.
• 🌍 Get paid like a local in USD, EUR, GBP, and more.
• ⚡ Speed up international payments from clients and platforms.
• 📊 Manage multiple clients and currencies in one dashboard.

1. Wise Multi-Currency Account

Formerly known as TransferWise, Wise offers one of the most transparent global accounts on the market.
You get local bank details in 40+ currencies, mid-market exchange rates, and ultra-low fees (0.35%–0.7%).
Funds can be sent to over 170 countries, and freelancers can hold balances in multiple currencies without forced conversion.

2. Payoneer Global Account

Payoneer is designed specifically for freelancers and global businesses.
It provides local receiving accounts in USD, EUR, GBP, JPY, and AUD — perfect for marketplaces like Upwork, Fiverr, or Amazon.
You can withdraw funds to your local bank or Payoneer MasterCard with transparent fees.

3. Revolut Business

Revolut Business supports over 30 currencies and offers near-instant conversions at the interbank rate.
For freelancers based in Europe or the UK, it’s a great secondary option for managing transfers, budgeting, and company expenses.
However, withdrawals and deposits from non-EU regions may have limits.

4. N26 for EU Freelancers

For freelancers operating primarily in the EU, N26 offers a fast, mobile-first account with SEPA and SWIFT support.
The app is simple to use and integrates easily with invoicing tools.
However, non-EU freelancers may find account opening limited.

5. Airwallex

A growing fintech, Airwallex focuses on borderless business accounts for entrepreneurs and digital workers.
It supports multiple currencies, allows batch payments, and connects to tools like Xero and QuickBooks.
Best suited for established freelancers or agencies dealing with recurring payments.

How to Choose the Right Account

When picking a multi-currency account, consider these factors:

• 💵 Where your clients are located.
• 🌐 Which currencies you receive most often.
• 🏦 Whether you need integrations (PayPal, marketplaces, etc.).
• ⚖️ The FX rate and conversion transparency.

Pro Tip: Combine Platforms

Many freelancers combine Wise for direct clients and Payoneer for marketplace payouts.
This dual setup reduces FX costs and speeds up payment access.
It’s a proven strategy for freelancers managing clients from multiple countries.

Final Thoughts

In 2025, having a multi-currency account is no longer a luxury — it’s a necessity for freelancers.
Platforms like Wise, Payoneer, and Revolut are making it easier than ever to receive and send money globally without worrying about bank delays or high fees.

Disclosure: This article includes affiliate links. If you sign up through our Wise or Payoneer links, we may earn a commission at no additional cost to you.

You might also like to read our in-depth comparison of Payoneer vs Wise for Freelancers in 2025 — it explains key differences in fees and speed. [Insert internal link here]