The Best Multi-Currency Business Accounts in the Netherlands in 2026

When does a business multi-currency account help?

A multi-currency account lets you receive supported currencies, keep separate balances and use the money before deciding how much to convert into euros.

For example, sterling client income could pay your UK software bill, while dollars from overseas sales cover your next dollar-denominated stock purchase.

The benefit comes from avoiding unnecessary conversions, rather than opening as many currency accounts as your chosen provider will let you create.

I'd say start with the currencies appearing on both sides of your business, then add receiving details where clients need a domestic payment route.

For occasional supplier payments, international business money transfers can cover the payment without adding another account to your monthly administration.

The best accounts for your business

I suggest choosing the account around your receipts and bills, with Dutch banking features deciding whether it can replace your main euro account.

Overseas invoices without a monthly subscription

9.2

Wise

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"Wise Business is used by 300,000+ businesses each year. Easy integrations with Xero, QuickBooks, FreeAgent and more are available."

Foreign revenue and team spending controls

8.8

Airwallex

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"Airwallex offers a comprehensive financial platform for businesses. Make global transfers to 150+ countries, receive funds in 20+ currencies. Connect with popular software for a seamless approach."

Company spending within currency allowances

8.6

Revolut

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Daily Dutch banking and foreign balances together

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bunq

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Foreign sales used for inventory and advertising

8.7

WorldFirst

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"WorldFirst helps growing businesses control cross-border costs with forward contracts and tailored FX solutions. Manage 40+ currencies and make international payments with specialist support on-hand."

Foreign receipts alongside wider business banking

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Rabobank

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Wise keeps overseas client income available without a monthly plan

Wise works well when you run a small business or work as a zzp'er with clients paying in several currencies throughout the year.

You can keep more than 40 currencies, receive using account details for 22 currencies and use a business card to spend an available matching balance.

The receiving details are more valuable than the currency count if your US client needs to pay through ACH or your UK client uses a domestic transfer.

Neither client needs to arrange a SWIFT payment simply because your business is based in the Netherlands, which can reduce deductions before the invoice reaches you.

The drawback is that keeping the currency unchanged does not make every receipt or external payment free, and the Dutch tariff adds specific cross-border charges.

I think Wise is worth considering for irregular foreign income, because a quiet month does not leave you paying for unused conversion or transfer allowances.

Wise Business costs

I'd say count your foreign receipts as well as conversions, because a business keeping dollars can still pay fees before spending those dollars.

The additional €4 and €1 charges apply to eligible foreign-currency transfers using domestic payment networks, with exemptions including domestic EUR payments, SWIFT and Wise internal transfers.

They are separate from the ordinary payment fee, so reaching the balance waiver does not turn every external bank payment into a free transfer.

For example, collecting regular dollar invoices through ACH and paying a US contractor can produce a different total from converting those receipts into EUR.

Airwallex connects foreign balances with the way your team spends

Airwallex is an account I suggest considering when several people need to use foreign revenue, rather than leaving every payment with the business owner.

You can receive through receiving accounts in more than 20 currencies, hold supported balances and pay company bills or card expenses from those funds.

That suits a Dutch software business collecting dollars while paying overseas subscriptions, or an importer using foreign receipts for suppliers and staff travel.

The cards can use an available supported balance directly, while spend controls and approvals help prevent employees using the wrong account for a purchase.

Bill and expense integrations can also reduce reconciliation work, although I suggest checking the actual connection to your accounting software before replacing an existing workflow.

I suggest considering Wise instead if you mainly collect occasional invoices, because Airwallex's monthly and active-user costs become harder to justify for a small operation.

Airwallex costs

The Explore fee can disappear at sufficient volume, but collection fees and extra spend users remain relevant even when your subscription is waived.

EUR SEPA and local GBP and CHF payouts are free, while card purchases from an available matching balance avoid automatic conversion charges.

Revolut combines currency allowances with company cards

Revolut is a good fit if you want your foreign balances, cards and payment approvals inside one account used by your business every week.

In the Netherlands, supported legal forms include an eenmanszaak as well as a BV and several partnerships, giving you more options than a company-only account.

You get a EUR account for SEPA payments, local GBP details and SWIFT details for other supported currencies, alongside company cards and team controls.

The Dutch IBAN arrives after migration to Revolut's Netherlands branch, so I'd say update invoice details only when the new number is active.

I like the plan allowances when conversions are regular, but they can cost more than Wise when your international activity changes significantly from month to month.

The difference is especially clear if your business exchanges little currency but needs several people using the separately charged Expenses app.

Revolut Business costs

I suggest choosing the plan using a normal month's conversions and payments, rather than upgrading just because a larger allowance sounds more generous.

For a month with €5,000 exchanged during market hours, Basic's conversion surcharge is €24, bringing the plan and that surcharge to €34.

Grow costs €35 before other charges and includes more transfers, so the number of payments decides which plan gives your business better value.

bunq brings foreign balances into your daily Dutch banking

I think bunq is worth considering if you want to keep daily euro banking and a few foreign balances together, especially when you already manage business spending through your phone.

Its foreign-currency accounts support 20 currencies within your plan's account limit, including the EUR account used for your ordinary Dutch payments.

Free Business is restricted to freelancers and includes three accounts, while Core has five and Pro and Elite each include 25 accounts.

AutoSelect can take a card purchase from the matching foreign account, which helps you spend revenue without first converting it back into euros.

You also get Dutch account features, with company cards and additional automation depending on your plan, rather than running a foreign wallet separately from daily banking.

The limitation is that foreign receiving details and transfer fees differ from the EUR account, with Currencycloud handling the foreign-payment service behind the app.

bunq Business costs

The free plan avoids a subscription, but I'd say include transaction fees when deciding whether it is cheaper for a business collecting frequent invoices.

Pro includes five eligible foreign local outgoing transactions monthly and Elite includes ten, while SWIFT payments sit outside those free transaction allowances.

I'd say use the matching foreign receiving details on invoices, because paying a foreign invoice into the ordinary EUR account can cause rejection or conversion elsewhere.

Foreign Currency payment accounts and foreign-currency savings are different products, so choose the receiving and spending account for invoice money you need to use.

WorldFirst keeps foreign sales ready for your next stock order

WorldFirst suits a Dutch business selling abroad when foreign receipts will fund more inventory, marketplace expenses or advertising in the same currencies.

You can collect business and marketplace payments, hold the supported currencies and use them for supplier payments without moving every sale through EUR first.

That is helpful for an importer with dollar costs and dollar sales, because the account can keep those two sides of the stock cycle together.

The virtual World Card adds direct spending from 15 supported currency balances, including online advertising and software subscriptions billed in those currencies.

I suggest considering Airwallex instead when employee expenses and wider approval workflows dominate, while WorldFirst is stronger when collection and stock payments are the main task.

The lack of a monthly account fee is attractive, but the payment tariff still applies when money leaves for an external supplier or bank.

WorldFirst costs

WorldFirst is attractive when you retain sales income between stock orders, since keeping the balance does not create an ongoing monthly account charge.

Keeping USD does not remove every supplier-payment charge, so I'd say include both the account's payment fee and any receiving-bank deductions in your budget.

Rabobank adds foreign balances to your existing trade banking

Rabobank is a bank I suggest considering when foreign currency belongs beside business finance, trade documents and an established relationship with your Dutch bank.

The Vreemde Valutarekening keeps receipts in their original currency and lets you make payments from that balance, with a separate account for each currency.

It uses the same IBAN as your regular business account with the relevant currency code, so the payment instructions must identify the currency correctly.

For example, a dollar receipt can stay available for a later dollar supplier bill, instead of automatically being converted into your main euro account.

I think Wise is worth considering for a handful of small client invoices, because Rabobank's per-currency monthly charge and worldwide-payment fees can outweigh the benefit at low volume.

For a larger trading business, keeping balances alongside the bank's wider facilities can be worth those charges, especially when you need more than an online wallet.

Rabobank costs

I'd say count the number of currencies you need, since the monthly account charge repeats for every separate foreign-currency account you open.

A BV keeping USD and GBP accounts pays €14 monthly for those foreign accounts alone, before its main banking costs and any payment fees.

An incoming payment with shared charges can also lose correspondent-bank fees, so the final balance may be below the invoice amount even without conversion.

Which balances should you keep, and which should become euros?

I suggest keeping the amount needed for confirmed foreign bills, then reviewing the surplus against your euro obligations rather than leaving every foreign receipt unconverted.

Suppose your business receives $8,000 and has a $3,000 supplier invoice due next month, with the remaining revenue needed for Dutch payroll and rent.

Keeping $3,000 available for that invoice avoids an unnecessary EUR-to-USD conversion, while converting the rest leaves money ready for expenses that require euros.

The retained dollars can still rise or fall against EUR, so a currency balance changes when you convert rather than removing exchange risk.

Receiving details need to match your client's payment

A USD balance and US ACH details solve different problems, because you can hold dollars without giving a client a domestic US payment route.

Wise and bunq can provide USD ACH details, while Revolut's Dutch business account uses SWIFT details for its other foreign currencies beyond local GBP and EUR.

If most clients pay through ACH, I'd say prioritise that receiving route before employee cards or a larger advertised number of supported balances.

If customers need to pay by card instead, international payment gateways in the Netherlands provide checkout separately from the account receiving the proceeds.

For EUR clients across SEPA, an eligible foreign EEA IBAN should not be rejected simply because its country code is not NL.

Keep currency records your bookkeeper can reconcile

An account with several balances needs statements showing the original receipt, any deduction, conversion and final payment, rather than only a combined euro total.

I suggest agreeing the export or bank-feed setup with your bookkeeper before moving recurring invoices, especially when you use Moneybird, Exact or another Dutch accounting package.

Keeping money in its original currency does not remove euro reporting requirements, including converting relevant foreign-currency EU purchase invoices for your Dutch VAT return.

Company cards also need clear ownership and receipts, so giving your accountant access should not give every employee permission to convert or withdraw the whole balance.

How to set up the account without disrupting invoices

How is your business money protected?

The protection depends on the legal account holding your funds, so a Dutch office or an NL IBAN does not automatically mean Dutch deposit insurance.

Wise, Airwallex and WorldFirst safeguard payment balances, while eligible deposits at Rabobank fall under Dutch deposit insurance and Revolut deposits use Lithuania's scheme.

bunq's eligible bank deposits use Dutch protection, with its Foreign Currency payment service and foreign-currency savings operating under different account arrangements.

For an eenmanszaak, eligible business and personal deposits at the same Dutch bank share one €100,000 protection limit, rather than receiving separate business and personal limits.

A BV's eligible deposits are protected separately from your personal money, and partnerships have their own treatment under the Dutch scheme.

I'd say keep essential euro obligations accessible in your main bank account, rather than leaving every available fund in one foreign-currency payment balance.

Before moving retained revenue to another account, compare the transfer cost for the currency your business needs to send.

Frequently asked questions