The Best Multi-Currency Accounts in the Netherlands in 2026

Accounts for holding and using foreign currencies

Choose around the currencies you receive, the payer's payment method and whether you need to spend directly from the foreign balance.

Foreign income and matching-balance spending

9.2

Wise

Fees

0.1% - 2.6%

Exchange Rate Markup

0%

Transfer Speed

Minutes - 24 hours

Visit

"Over 15 million customers use Wise, mostly for their excellent mobile app, transparent fee structure & use of mid-market rates. Now increasingly used for larger transfers."

Dutch-IBAN banking with foreign balances

8.8

Revolut

Fees

0.3% - 1%

Exchange Rate Markup

0.1% - 0.6%

Transfer Speed

Minutes - 5 days

Visit

"Revolut has 70+ million customers globally. You can hold up to 25+ currencies in the app and send money quickly in 25+ currencies to 140+ countries."

US Disclaimer: Revolut is not a bank. Banking services are provided by Lead Bank, Member FDIC. Fees may apply. See revolut.com/en-US/ for details.

Automatic card currency selection

?

bunq

Fees

Exchange Rate Markup

Transfer Speed

Visit

Currency holding and bank payments

5.5

Paysera

Fees

Exchange Rate Markup

Transfer Speed

Visit

Swiss-bank foreign balances

?

Dukascopy Bank

Fees

Exchange Rate Markup

Transfer Speed

Visit

Recurring foreign receipts at your existing bank

?

ABN AMRO

Fees

Exchange Rate Markup

Transfer Speed

Visit

Wise

Foreign receipts you can keep and spend

I'd say consider Wise when you receive supported foreign currencies and want to keep the money for purchases or later bank payments.

Its card can spend a matching balance without converting it back into euros first, avoiding an unnecessary conversion between receiving and spending.

The figures below cover conversion and transfer charges, which are separate from receiving fees, subscriptions and the cost of using a card.

My suggestion is to check the receiving method first, particularly when an employer needs domestic account details rather than international-wire instructions.

Holding more than 40 currencies does not give you a separate domestic bank account for every one of them.

Receiving charges also depend on the currency and payment method, so a free local receipt does not establish free international-wire receipts.

If you spend a currency you do not hold, Wise converts from another balance at the mid-market rate and applies its conversion fee.

The card costs €7 to order, while the account has no routine monthly subscription, making occasional use possible without an ongoing plan charge.

Wise allows €250 of monthly cash withdrawals without its withdrawal fee, then charges 2.69% on the amount above that allowance.

Cash-machine operators can still add their own charges, so a fee-free allowance does not guarantee a free withdrawal everywhere.

The account's ordinary cash balances are safeguarded through Wise Europe, which provides a different protection framework from an insured bank deposit.

Revolut

Dutch euro banking alongside foreign balances

Revolut combines a local Dutch IBAN for euro banking with 38 held currencies, allowing you to manage Dutch salary receipts and foreign spending together.

I like it for foreign balances alongside an everyday account, especially if your smaller weekday exchanges fit within the remaining Standard allowance.

The figures below cover conversion and transfer charges, which are separate from receiving fees, subscriptions and the cost of using a card.

The 38-currency holding feature and card spending in more than 150 currencies describe different functions, so check that the currency you want can be held.

Foreign receiving details also depend on the currency, rather than providing 38 domestic bank accounts alongside your Dutch IBAN.

Standard has no monthly subscription, but exchanges above its €1,000 monthly allowance incur a 1% charge, with a separate 1% weekend exchange fee.

Revolut uses its own exchange rate, and an international bank payment may have a sending charge beyond the conversion fee.

Spending from an existing matching balance avoids a new conversion, which is different from converting your euros automatically at the checkout.

Standard cash withdrawals are free up to €200 or five withdrawals per rolling month, whichever comes first, before a 2% charge with a €1 minimum.

Eligible deposits have Lithuanian protection through Revolut Bank UAB, with the limit shared across the bank's accounts rather than multiplied by each currency.

bunq

A Dutch bank with automatic matching-currency card spending

bunq lets Dutch residents hold foreign currencies within their banking app and use AutoSelect to spend from the matching account.

I like it when keeping foreign balances alongside Dutch banking is more important than opening a separate account purely for international payments.

AutoSelect can use your dollar account for a dollar purchase even when the card itself is linked to a euro account.

The currency range includes euros, so it represents 19 foreign currencies rather than 20 foreign balances plus your everyday euros.

Free includes three accounts and a digital card, while Core costs €3.99 monthly and includes five accounts with a physical card.

That account allowance can limit how many separate currencies you keep, which is worth checking before paying for a higher plan.

Converting currencies carries a 0.5% network fee, with an additional weekend markup of 0.15% to 0.5% depending on the currency.

A card payment from the matching currency avoids conversion, but receiving and sending bank payments can still have separate charges.

The foreign accounts use UK details, so do not assume every balance receives payments through a Dutch or destination-country domestic account.

Current terms include foreign balances within Dutch deposit protection, with the €100,000 limit applying across eligible deposits at the bank.

Paysera

For holding currencies and making bank payments

Paysera offers eligible Dutch residents a multicurrency payment account without an ongoing administration fee while the account remains active.

I suggest considering it for holding and paying supported currencies through bank transfers, rather than using its card to spend a matching foreign balance.

Paysera's card account is denominated in euros, which means a dollar balance in the main account does not automatically pay for a dollar purchase.

Loading that card from foreign money converts it into euros, and buying something in another currency creates a further conversion through Visa.

That can make the card a poor fit when your main reason for holding foreign money is to spend it in the same currency.

The first card costs €1 monthly, digital issuance can cost up to €10, and physical cards are currently temporarily unavailable.

Foreign card purchases have additional charges, so I'd say compare bank-payment costs separately from the price of using its card abroad.

Active account administration is free, but an account left without a login or payment for a year can incur a €10 monthly inactivity charge.

Paysera safeguards electronic money under its Lithuanian licence, which differs from the bank-deposit protection available with bunq or Revolut.

Dukascopy Bank

A Swiss bank account for several currency balances

Dukascopy lets eligible Netherlands residents open a Swiss bank account holding 24 currencies, with international receiving and bank-payment functions.

I'd say consider it when you specifically want a Swiss banking relationship and its currency range, provided the transfer and conversion charges suit your payments.

The currency range does not give you 24 domestic receiving accounts, so check the bank instructions before directing a foreign salary into it.

Third-party receipts are possible, but compliance checks and charges can apply depending on their size, frequency and source.

For smaller monthly conversions, the retail rate includes a 0.5% spread and the first volume tier adds a 1% commission.

Outgoing euro SEPA payments cost €2.30, while a non-SEPA euro payment costs €20, making the withdrawal route part of the account decision.

Funding with an EEA card costs 1.5%, so my suggestion is to check bank funding before paying that charge to add money.

Its cards are separately loaded products, and holding a currency in the bank account does not guarantee automatic card spending from that balance.

Maintenance costs €1 on a nonzero balance unless you meet the waiver conditions, so do not assume every account remains unconditionally free.

The account follows Swiss bank-deposit protection rather than the Dutch scheme, with eligible deposits covered up to CHF100,000 per customer.

ABN AMRO

Keep foreign receipts within an existing Dutch bank

ABN AMRO lets you receive and pay in the same foreign currency, keeping the balance until you decide to convert into euros.

I like it for recurring receipts within an existing banking relationship, rather than opening several paid accounts for occasional travel.

The monthly charge applies to each account, so holding several currencies costs more than using an app with multiple balances under one subscription.

Your linked euro account has separate costs, which should be included before deciding that keeping everything at one bank is cheaper.

The account supports currency payments through Internet Banking, but it does not provide the same spending arrangement as a multi-currency travel card.

For regular foreign receipts, ask about incoming and outgoing payment charges alongside the exchange rate before moving the balance.

Eligible deposits share the bank's €100,000 guarantee limit with your other covered accounts, rather than receiving a separate limit for each currency.

Choose the account around the money you receive

A euro IBAN does not provide every foreign receiving method

A Dutch IBAN helps with euro payments, but it does not establish how someone in the United States should send dollars.

For a US payer, check whether the account accepts local ACH payments or requires a SWIFT wire, because the costs can differ considerably.

For pounds, check whether the details support the payer's domestic transfer method before treating a held GBP balance as a local British account.

If your euro account has an IBAN from another EU member state, a rejected SEPA payment or direct debit can constitute IBAN discrimination.

You can raise that issue with the competent authority, although the protection does not turn a foreign-currency wire into a SEPA payment.

Holding and spending need separate checks

Holding dollars can avoid converting each incoming payment immediately, but it does not guarantee that your debit card spends those dollars directly.

Paysera's card spends from euros, so holding USD there serves a different purpose from using Wise's matching dollar balance at a shop.

With automatic card currency selection, check what happens when the matching balance is insufficient rather than assume several balances are combined to cover a purchase.

At a foreign terminal or ATM, I'd say choose the local currency to avoid accepting the operator's separate conversion into euros.

Account protection follows the provider and product

An eligible bank deposit and safeguarded payment money have different protections, even when both accounts appear in an app on your phone.

Revolut's Dutch branch uses its Lithuanian bank's deposit guarantee, while eligible bunq deposits fall under the Dutch scheme.

The €100,000 limits apply across eligible deposits with the same bank, rather than creating another allowance for every currency or IBAN.

For a substantial foreign balance, check the contracting entity and deposit information sheet before relying on the account's branding or IBAN prefix.

Keeping foreign income for future spending

If you receive dollars and expect to spend dollars later, holding the currency can avoid paying for two separate conversions through euros.

That also leaves the euro value exposed to exchange-rate changes, so I suggest keeping the amount needed for Dutch bills in euros.

A larger currency count does not improve that decision if the account lacks the receiving details or spending method you need.

For a single payment to someone else, international money transfer services from the Netherlands covers delivery choices without requiring a new holding account.

If the only decision is the conversion price, cheapest ways to send money abroad from the Netherlands compares transfer costs for matching payments.

How to check an account before opening it

Check conversion costs for your next payment

When foreign income needs to move to another account, compare the transfer cost before deciding how much to convert.