Best multi-currency wallets and accounts in 2026, ranked by real fees
A multi-currency wallet lets you hold money in several currencies, convert between them and spend or send it without your bank’s foreign fees. The cheapest choice depends on where you live, which currencies you use and whether you mainly spend, send or get paid.
We ranked five providers on fees taken from their own official pages on 28 October 2026 and on Wise’s live price calculator. Every number below links back to our source list, and each pick links to a full, fee-checked review or head-to-head comparison.
How we ranked them
We scored each provider on what it costs and what it lets you do with foreign money, not on marketing claims. Where a provider does not publish a figure, we say so and do not guess.
- Conversion cost: the exchange rate used (mid-market, card network or the provider’s own) and the fee on top, including weekend surcharges and monthly limits.
- Holding and receiving: how many currencies you can hold, and whether you get local account details so people abroad can pay you like a local.
- Spending and cash abroad: card fees in other currencies and the free ATM allowance.
- Protection: whether your balance is a bank deposit covered by a guarantee scheme or safeguarded e-money.
- Availability: who can open an account, and whether it keeps working if you move country.
Our ranking
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#1
Wise 4.5Best overall multi-currency account. Hold 40+ currencies, get local account details in AUD, CAD, EUR, GBP, HKD, HUF, NZD, SGD and USD, and convert at the mid-market rate for a fee shown upfront. On our check date £1,000 to euros cost £3.81 and €1,000 to dollars €6.21. No monthly fee; safeguarded e-money rather than a bank deposit.
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#2
Revolut 4.4Best for everyday spending on a free plan. Hold and exchange 36 currencies (UK) or 38 (Ireland) with no exchange fee on weekdays up to £1,000 or €1,000 a month on the free Standard plan; above that 1%, and 1% extra at weekends. A licensed bank in the UK and EEA, available in the US and several other countries too.
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#3
bunq 4.0Best EU bank for multi-currency and local IBANs. A Dutch bank with deposits guaranteed up to €100,000, euro IBANs from seven EU countries and accounts in around 20 currencies. Card payments and exchanges cost 0.5% over the Mastercard or Currencycloud rate; plans run from Free to Elite at €18.99 a month.
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#4
Starling Bank 4.5Best for UK residents who need euros. A free UK bank account with no fee on card payments or cash abroad, plus a euro account with its own IBAN and FSCS protection up to £120,000. Converting costs 0.4% (plus 0.5% at weekends). Personal customers can hold pounds and euros only.
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#5
Payoneer 3.8Best for marketplace and business payouts. Built for freelancers and businesses paid by platforms: receiving accounts in major currencies, free payments between Payoneer customers and coverage of 190+ countries and territories. Costs add up, though: 1% to receive in a non-local currency, 1.2% to 4% to withdraw, and 29.95 USD a year below 6,000 USD received.
Side-by-side comparison
| Wise | Revolut (Standard) | bunq | Starling | Payoneer | |
|---|---|---|---|---|---|
| Monthly fee | None | None (paid plans from £3.99 / €3.99) | Free; Core €3.99; Pro €9.99; Elite €18.99 | None | None; 29.95 USD a year if under 6,000 USD received |
| Currencies you can hold | 40+ | 36 (UK) / 38 (Ireland) | About 20 | GBP and EUR | Major currencies (business accounts) |
| Local account details | AUD, CAD, EUR, GBP, HKD, HUF, NZD, SGD, USD | Not compared here | Euro IBANs from 7 EU countries | GBP account + euro IBAN | Receiving accounts in major currencies |
| Conversion cost | Mid-market + from 0.2% to 0.24% | 0% weekdays within £/€1,000 a month; 1% above; +1% at weekends | Mastercard or Currencycloud rate + 0.5% | 0.4% (+0.5% at weekends on the euro account) | 1% to receive non-local currency; 0.50% between own balances |
| Card abroad | Free in held currencies; otherwise conversion fee | As conversion | +0.5% (Free: 1.5% after €1,000 a year) | No Starling fee | Up to 3.5% when converting |
| Free ATM | £/€/$250 a month, then 2.69% | 5 withdrawals or £/€200 a month, then 2% | Free plan €2.99 each; Pro/Elite 6 free | No fee, £300 a day | 3.15 USD / 2.50 EUR / 1.95 GBP + up to 1.8% |
| Protection | Safeguarded e-money | Bank: FSCS £120,000 (after move to Revolut Bank UK) / €100,000 EEA | Bank: €100,000 Dutch deposit guarantee | Bank: FSCS £120,000 | Regulated e-money (Central Bank of Ireland in Europe) |
| Who can open it | UK, EEA, US and many more | UK, EEA, US, Australia and others | EU residents (UK paused) | UK residents 16+ | 190+ countries, business use only |
All figures from the providers’ official pages and Wise’s price calculator, checked 28 October 2026. Fees vary by country and plan; see each review for details.
Worked example: a client pays you €2,000 and you need pounds
A UK-based freelancer is paid €2,000 and converts it all to pounds on a weekday. Here is what each provider charges on top of its exchange rate, using the published rules.
| Provider | Cost | How it is calculated |
|---|---|---|
| Wise | About €10.60 | €5.31 per €1,000 converted from a Wise balance on our check date, at the mid-market rate |
| Starling | €8 | 0.4% in the euro account, at Starling’s rate (about €18 at a weekend) |
| bunq | €10 | 0.5% over the Currencycloud rate |
| Revolut Standard | About £6.75 | Free up to £1,000 of the roughly £1,675, then 1% (if nothing else was exchanged that month) |
| Payoneer | €20 + 1.2% to 4% to withdraw | 1% to receive euros as a UK resident, then the withdrawal fee to your bank |
Starling and bunq use their own or their partner’s exchange rate, so the amount you receive also depends on that rate; Wise and Revolut (within the allowance) use the mid-market or interbank rate.
Worked example: spending $500 on a US trip
| Provider | Extra cost | Note |
|---|---|---|
| Starling (UK) | £0 | No Starling fee; Mastercard rate |
| Revolut Standard | £0 on a weekday | Inside the £1,000 / €1,000 monthly allowance; 1% at weekends |
| Wise | About £1.36 from pounds | About 0.36% for pounds to dollars; £0 if you already hold dollars |
| bunq | About €2.25 | 0.5% over the Mastercard rate (Free plan: 1.5% after €1,000 a year) |
$500 is about £377 or €449 at the mid-market rate on our check date.
Also considered, and why they are not in the top five
- Curve: a card that sits on top of your existing cards, not an account that holds currencies. Its free plan includes only £250 or €250 of fee-free FX a month, then 2.99% plus 1.5% at weekends.
- Vivid Money: a capable euro account, but its retail price list names euro as the only supported currency and charges 1% on non-euro card payments.
- PayPal: convenient for paying online, but conversions carry PayPal’s own fee (3.00% to 4.00% on its US fee page).
- OFX: good for large one-off transfers, but personal clients cannot hold a balance or get a card.
- Monzo: a good everyday UK bank with no fee on card spending abroad, but a UK Monzo account holds pounds only and converts incoming foreign payments with a 1% fee.
How to choose
- You get paid in foreign currencies or send money abroad often: Wise.
- You want one free app for daily spending and travel, and stay within £1,000 or €1,000 a month: Revolut.
- You live in the EU and want a bank deposit guarantee plus local IBANs: bunq.
- You live in the UK and mainly need euros, with FSCS protection: Starling.
- You are paid by marketplaces that pay out through Payoneer, or work from a country others do not cover: Payoneer.
- Many people combine two: a bank (Revolut, bunq or Starling) for everyday money and Wise for receiving and converting.
Frequently asked questions
What is the best multi-currency wallet in 2026?
For most people, Wise: it holds 40+ currencies, gives local account details in 9 and converts at the mid-market rate for a visible fee (£3.81 to send £1,000 to euros on our check date). Revolut is the best free option for everyday spending within its monthly allowance.
Which multi-currency account is protected like a bank?
Revolut (in the UK and EEA), bunq and Starling are banks, so eligible deposits are covered by the FSCS (£120,000) or an EU deposit guarantee (€100,000). Wise and Payoneer safeguard customer money as e-money institutions instead.
Is there a free multi-currency account?
Yes. Wise has no monthly fee, Revolut Standard and bunq Free cost nothing, and Starling is free. Each charges on conversion or cash in its own way, so compare the worked examples above for your use.
Which wallet gives me a US dollar account?
Wise gives personal customers USD account details (not in every country). Payoneer offers USD receiving accounts for business use. Starling’s USD account is for limited companies only and is not currently taking applications.
What is the cheapest way to convert currencies?
Within its monthly allowance on weekdays, Revolut Standard charges no exchange fee. Above that, Wise’s fee of roughly 0.3% to 0.5% at the mid-market rate is usually the cheapest published price; bunq charges 0.5% and Starling 0.4% on their own rates.
Can I use a multi-currency wallet if I move abroad?
Wise and Revolut are available in many countries and keep working after a move. Starling requires UK residence, and bunq is for EU residents.
Fee-checked reviews and comparisons
Sources
Every fee on this page was checked against these official provider pages on .
- Wise — pricing (UK)
- Wise — pricing (Germany)
- Wise — card (UK): free ATM allowance
- Wise — price calculator quote (GBP to EUR, 1,000)
- Wise — price calculator quote (EUR to USD, 1,000)
- Wise — price calculator quote (EUR to GBP, 1,000)
- Wise Help — currencies you can hold and receive
- Revolut — Standard plan fees (UK)
- Revolut — Standard plan fees (Ireland/EEA)
- Revolut — pricing plans (UK)
- Revolut Help — supported countries
- Revolut Help — UK bank licence and FSCS protection
- bunq — pricing and fee information (15 October 2026)
- bunq — international bank accounts and foreign currencies
- bunq Help — who can open a personal account
- Starling — personal account schedule and fees (effective 31 May 2026)
- Starling — euro account
- Starling — travel and spending abroad
- Payoneer — pricing
- Payoneer — terms and conditions (EU, Payoneer Europe Limited)
- Curve — UK subscription schedule
- Vivid Money — fees for retail users (effective 18 August 2026)
- PayPal — consumer fees (US)
- Monzo — fee information (personal account)
Fees, limits and availability change and can differ by country and account type. Worked examples apply each provider's published fee rules to round amounts; exchange rates move constantly, so confirm the final price in the provider's app before you pay. How we check fees is explained on our methodology page.