Top 5 Multipass Alternatives for International Business Transfers

• Startups and SMEs that want no monthly fee and mid-market FX rates

• Businesses needing native integrations (e.g., Xero, QuickBooks, Amazon)

• Companies that prefer DIY finance tools over assigned account managers

• You need ATM access or up to 15 physical cards

• You want to receive payments in currencies like INR or PHP

• You prefer batch payments with no recipient cap

Monthly Fee

$0

From $100

Setup Fee

$31 per local account (US)

$500

Exchange Rate

Mid-market rate

From 1.5%

Transfer Fee

From 0.33%

From 0.10% (plus FX markup)

Local Accounts

10–19 depending on region

2 (USD + GBP)

Batch Payments

Up to 1,000 at once

Unlimited (value capped at $15,000/txn)

Marketplace Integration

✅ Amazon, Etsy, Upwork

❌ None

Accounting Integration

✅ (Xero, QuickBooks, more)

❌ None

Forward Contracts

❌ Not supported

❌ Not supported

Cards

Virtual + Physical (not in US)

Up to 15 cards per account

ATM Access

✅ (not in US)

✅ Strong support in tough markets

Expense Management

✅ (Limited in US)

✅ (With card control and limits)

Customer Support

Self-service + live support (no manager)

Live support + dedicated account contact

Multi-user access

✅

✅

• Businesses needing multiple local accounts (12+)

• Companies operating across multiple continents

• Teams using integrations with Xero, Shopify, or Amazon

• You need ATM access or physical cards in hard-to-reach regions

• You want dedicated support and onboarding

• You’re okay with fewer features, but need to support tricky currencies like INR or PHP

Monthly Fee

$0

From $100

Setup Fee

$0

$500

Exchange Rate

From 0.5%

From 1.5%

Transfer Fee

Free (SWIFT: $10–$25)

From 0.10% + FX

Local Accounts

12 accounts covering ~40 countries

2 (USD + GBP)

Currencies Supported

130+

70 (16 local)

Batch Payments

Up to 1,000

Unlimited (max $15k/txn)

Marketplace Integration

✅ Amazon, Shopify, Lazada

❌ None

Accounting Integration

✅ Xero, QuickBooks, Odoo

❌ None

Forward Contracts

❌ None

❌ None

Cards

✅ Multi-currency virtual & shared cards

✅ Up to 15 cards per account

ATM Access

❌ Not available

✅ Strong support

Expense Management

✅ Real-time + layered approvals

✅ Limited, via cards

Customer Support

Mixed, online-first

Stronger onboarding and dedicated contact

• Businesses receiving from Amazon, Upwork, or Etsy

• Companies operating in emerging or high-risk markets

• Teams needing USD, GBP, EUR, or CAD card spend control

• You want tighter FX margin control

• You require virtual IBANs and multi-currency treasury tools

• Your focus is enterprise-grade money movement, not marketplace payments

Monthly Fee

None ($29.99 annual if inactive)

From $100

Setup Fee

$0

$500

Exchange Rate

2%

From 1.5%

Transfer Fee

Up to 3%

From 0.10% + FX

Local Accounts

9 (USD, EUR, GBP, etc.)

2 (USD + GBP)

Currencies Supported

70+ (send/receive), 190+ country support

70 (send), 16 (receive locally)

Batch Payments

Up to 1,000

Unlimited (max $15k/txn)

Marketplace Integration

✅ Amazon, Upwork, Etsy, Airbnb

❌ None

Accounting Integration

✅ Xero, QuickBooks

❌ None

Forward Contracts

❌ Not supported

❌ Not supported

Cards

✅ Physical + virtual (USD, EUR, GBP, CAD)

✅ Up to 15 cards per account

ATM Access

✅ Available

✅ Strong support

Expense Management

✅ Per card and category control

✅ Limited, via cards

Customer Support

24/7 + account managers at higher tiers

Dedicated onboarding & support

• High-volume transfers with no caps or restrictions

• Businesses needing forward contracts for FX risk

• 24/7 live phone support and strategic input on large transfers

• You need a modern, all-in-one UI for treasury ops

• You prefer virtual IBANs over traditional bank infrastructure

• You want expense tracking tools or a cleaner SME experience

Monthly Fee

$0

From $100

Setup Fee

$0

$500

Exchange Rate

From 1.3%

From 1.5%

Transfer Fee

$0

From 0.10% + FX

Local Accounts

7 (AUD, CAD, USD, GBP, EUR, HKD, SGD)

2 (USD + GBP)

Currencies Supported

50+

70+ (send), 16 (receive locally)

Batch Payments

✅ Up to 500

✅ Unlimited (with per-transaction cap)

Forward Contracts

✅ Supported

❌ Not supported

Cards & Expense Management

❌ Not available

✅ Cards + category spend tools

Accounting Integration

❌ Xero only

❌ None

API Options

✅ Excellent API (used by Moneycorp)

✅ Available

ATM Access

❌ None

✅ Yes

Customer Support

24/7 live phone + email

Dedicated onboarding and ticket support

• Large batch payments (up to 5,000 per run)

• Tailored FX pricing and forward contracts

• UK-based businesses wanting direct, dedicated support

• You want local accounts for more seamless global banking

• You need extensive tracking tools or business cards

• You prefer a plug-and-play setup without custom negotiation

Monthly Fee

From £0 (varies by usage)

From $100

Setup Fee

£0

$500

Exchange Rate

From 0.05% (bespoke)

From 1.5%

Transfer Fee

£0 – £50

From 0.10% + FX

Local Accounts

❌ None

✅ 2 (USD + GBP)

Multi-Currency IBAN

✅ 46 receive, 71 send

✅ 16 receive, 70+ send

Batch Payments

✅ Up to 5,000

✅ Unlimited (per transaction limits apply)

Forward Contracts

✅ Supported via FX brokerage

❌ Not supported

Cards & Expense Management

❌ Not available

✅ Cards + spend controls

Accounting Integration

❌ None (API only)

❌ None

API Options

✅ Yes

✅ Yes

ATM Access

❌ None

✅ Yes

Customer Support

Dedicated UK support via account manager

Ticket and email-based