Accounts for operating across borders

Where to hold and move money when your income, your company and your address are in different countries. Compiled by hand — confirm at the official source before opening anything.

This is not a recommendation and not financial advice. An institution that is not a bank has no deposit guarantee — your money sits in segregated accounts, which is a different thing. Check the restricted country and business lists before building anything on top of one of these.

Mercury ↗

Business account · United States

Business account for US companies, including LLCs with a foreign owner. Dollar bank details and clean accounting integrations.

Monthly fee: Free
Currencies: 1+
Card: Yes
Deposit guarantee: FDIC

Non-residents: Accepts non-resident LLCs, with no SSN required from the owner

Watch out: Not a bank: it runs on partner banks, and the FDIC coverage comes from them. Keeps lists of restricted countries and business types — crypto and financial services are usually refused.

Relay ↗

Business account · United States

Business account with multiple sub-accounts, built for separating money by purpose.

Monthly fee: Free
Currencies: 1+
Card: Yes
Deposit guarantee: FDIC

Non-residents: Accepts non-resident LLCs

Watch out: Dollar only. International transfers are charged per operation, which adds up for anyone receiving from abroad regularly.

Airwallex ↗

Multi-currency · Australia, United Kingdom, European Union and others

Global business account with local bank details in dozens of countries and cards without FX markup.

Monthly fee: Not published
Currencies: Not published
Card: Yes
Deposit guarantee: None

Non-residents: Accepts companies from several jurisdictions, reviewed case by case

Watch out: A payment institution, not a bank. The list of accepted countries and business types changes often — confirm before building an operation on top of it.

Payoneer ↗

Multi-currency · United States and European Union

Receiving accounts for people invoicing through platforms and marketplaces, with direct integrations.

Monthly fee: Not published
Currencies: Not published
Card: Yes
Deposit guarantee: None

Non-residents: Open to holders in many countries, individual or company

Watch out: Designed to receive from platforms, not to work as a current account. Withdrawal and conversion fees are the real cost — compare them against what you receive monthly.

Revolut Business ↗

Multi-currency · European Union and United Kingdom

Multi-currency account with unlimited virtual cards and market-rate exchange within the plan limit.

Monthly fee: Not published
Currencies: 25+
Card: Yes
Deposit guarantee: None

Non-residents: Depends on the country where the company is registered; coverage varies by region

Watch out: Balance protection depends on which entity serves your region — in part of Europe it is a banking licence, elsewhere it is e-money safeguarding, which is not deposit insurance. Confirm which entity covers your case.

Wise Business ↗

Multi-currency · United Kingdom, European Union and others

Receives in several currencies with local bank details, so a European client pays by domestic transfer instead of an international wire.

Monthly fee: Not published
Currencies: 20+
Card: Yes
Deposit guarantee: None

Non-residents: Opens for companies in many jurisdictions, with owner verification

Watch out: It is NOT a bank and has NO deposit guarantee — the money sits in segregated accounts, which is different from insured. Use it to receive, not to store.

Revolut ↗

Personal account · European Union and United Kingdom

Personal multi-currency account with a free tier, common among people spending seasons in several countries.

Monthly fee: Free
Currencies: 30+
Card: Yes
Deposit guarantee: None

Non-residents: Requires residence in a served country — it does not open from anywhere

Watch out: The residence requirement is the real filter: a nomad without a fixed address in a served country usually stops here.

Wise ↗

Personal account · United Kingdom, European Union and others

Personal multi-currency account, useful for anyone earning in one currency and spending in another without being hostage to card exchange rates.

Monthly fee: Not published
Currencies: 20+
Card: Yes
Deposit guarantee: None

Non-residents: Opens with proof of address from many countries

Watch out: Same caveat as the business version: no deposit guarantee. Use it to move money, not to keep it.

Compiled on 2026-07-29. Fees and terms change without notice, and none of these links is an affiliate link.