For freelancers working with international clients, managing multiple currencies can be a real challenge. In 2025, global payment platforms have evolved beyond simple bank transfers — they now offer full-fledged multi-currency accounts designed for remote professionals.
This guide explores the best options to help you get paid globally without losing money on conversions.
Why Multi-Currency Accounts Matter
A multi-currency account lets you hold, send, and receive money in different currencies without constant conversions. It’s the key to saving on foreign exchange (FX) fees and keeping control over your earnings in USD, EUR, GBP, and other currencies.
1. Wise (formerly TransferWise)
Wise remains one of the most powerful multi-currency options in 2025.
You can open balances in 40+ currencies, get local account numbers in USD, EUR, GBP, and AUD, and enjoy near mid-market FX rates.
Transfers are quick, transparent, and much cheaper than traditional banks.
Pros:
- True multi-currency account (40+ currencies).
- Low and transparent fees.
- Debit card for global withdrawals.
Cons:
- Limited cash deposit support.
- No built-in business invoicing tools.
2. Payoneer
Payoneer is perfect for freelancers who get paid by global marketplaces like Upwork, Fiverr, or Airbnb.
It offers virtual accounts in multiple currencies and seamless integration with major freelance platforms.
Pros:
- Supports over 150 countries.
- Compatible with marketplaces and B2B clients.
- Physical and virtual Mastercard for withdrawals.
Cons:
- FX margin up to 2%.
- Annual card maintenance fee (~$30).
3. Revolut Business
Revolut has expanded its business offering for freelancers in 2025.
It provides multi-currency wallets, built-in analytics, and a debit card that automatically converts at interbank rates.
It’s particularly useful for digital nomads working with European clients.
Pros:
- Low exchange fees on weekdays.
- Instant transfers between Revolut users.
- Great mobile experience.
Cons:
- Exchange markup on weekends.
- Business account verification can take time.
4. N26 (Europe)
N26 remains a solid option for EU-based freelancers.
It provides a simple way to receive and manage payments in EUR with no hidden costs, plus a strong mobile-first experience.
While not a global multi-currency account, it pairs well with Wise for international use.
5. Combining Platforms for Best Results
The best setup for most freelancers in 2025 is to combine accounts.
Use Wise for direct international payments and Payoneer for marketplace payouts.
This hybrid setup gives maximum coverage, minimizes fees, and ensures faster access to funds.
Security and Reliability
All mentioned providers — Wise, Payoneer, Revolut, and N26 — are fully licensed under major financial regulators.
Your funds are protected under FCA or equivalent supervision, ensuring full compliance and user protection.
Final Thoughts
Managing multiple currencies no longer needs to be complicated.
With platforms like Wise, Payoneer, and Revolut, freelancers can finally handle global payments effortlessly and keep their earnings secure.
Choose based on your client base, fee structure, and payout habits — and combine services if needed.
Disclosure: This article contains affiliate links. We may earn a small commission if you register through our Payoneer or Wise links — at no extra cost to you.
If you found this article useful, check our related post: Payoneer vs Wise for Freelancers in 2025 for an in-depth comparison. [Insert internal link here]
