Multi-Currency Bank Accounts

A multi-currency account lets you hold and convert several currencies in one place. The core value is timing: you convert when the rate suits you instead of being force-converted on every inbound payment. Judge them on three things: which currencies are supported, what price conversions execute at (mid-market or a marked-up rate), and whether foreign balances earn interest or incur negative rates. Note that multi-currency does not automatically mean local receiving details — some accounts convert and hold currencies but give you no local account number, so they cannot receive domestic transfers. If you need to get paid "like a local", confirm local account details are provided.

Data verified: 2026-10-09 · Compiled from published bank terms

Start with these three

Wise多币种账户 · Multi-currency ★ 4.6 QontoDigital Bank · France ★ 4.4 HSBC Hong KongTraditional Bank · Hong Kong, China ★ 4.3

Full comparison70 accounts

AccountPlaceTypeInitial depositMonthly feeHow to applyNon-residentsRating
Wise Multi-currency 多币种账户 无最低存款要求 仅按使用付费，无月费 Online Non-residents OK ★ 4.6
Qonto France Digital Bank 无最低存款要求 按套餐月费（无免费档） Online Conditional ★ 4.4
HSBC Hong Kong Hong Kong, China Traditional Bank 无首存要求 免账户管理费 Must visit Non-residents OK ★ 4.3
Revolut Multi-currency 多币种账户 无最低存款要求 基础版免月费，进阶版付费 Online Conditional ★ 4.3
Airwallex Multi-currency 多币种账户 无最低存款要求 基础版免月费 Online Conditional ★ 4.3
Revolut Spain Spain Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.3
Revolut Bank UAB Lithuania Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.3
TBC Bank Georgia Traditional Bank 基本账户无最低存款要求 基本账户免费，或 2–5 美元/月 Must visit Non-residents OK ★ 4.3
Bank of China Macau Macao, China Traditional Bank 定存 1 万港币 + 500 美元保险（5 年期） 免账户管理费、免查册费 Must visit Non-residents OK ★ 4.3
MCB (Mauritius Commercial Bank) Mauritius Traditional Bank MCB 无最低存款要求 基本账户免管理费 Must visit Non-residents OK ★ 4.3
Standard Chartered HK Hong Kong, China Traditional Bank 通常要求首存 1 万港币 不达标约 100 港币/月 Must visit Non-residents OK ★ 4.2
Aspire (Singapore) Singapore Digital Bank 无最低存款要求 基础版免月费 Online Conditional ★ 4.2
Revolut France France Digital Bank 无最低存款要求 基础版免月费 Online Conditional ★ 4.2
Revolut Greece Greece Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Revolut Malta Malta Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Revolut Luxembourg Luxembourg Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Revolut Finland Finland Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Revolut Poland Poland Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Revolut Hungary Hungary Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Liv by Emirates NBD United Arab Emirates Digital Bank 无首存要求 免月费 Online Non-residents OK ★ 4.2
Revolut Cyprus Cyprus Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.2
Bank of Georgia Georgia Traditional Bank 基本账户无最低存款要求 基本账户免费，或 2–5 美元/月 Must visit Non-residents OK ★ 4.2
CMB Monaco Monaco Traditional Bank 非居民常见门槛约 50 万欧元起（AMAF 指引） 按资产管理规模约 0.5%–1.6%/年 Remote or in person Conditional ★ 4.2
KCB Bank Kenya Kenya Traditional Bank 开户余额约 2,000 先令 维持 1,000 美元等值以上免 ledger 费 Remote or in person Non-residents OK ★ 4.2
Ameriabank Armenia Traditional Bank 无强制最低余额；非居民客户尽职调查费 20,000 AMD（约 ¥370） 半年均流水达标则免管理费，否则约 1,000 AMD/半年 Must visit Conditional ★ 4.2
Kaspi Bank Kazakhstan Digital Bank 无首存要求；Kaspi Gold 分行现场约 60 秒出卡 基础卡免年费，部分 premium 服务另计 Must visit Non-residents OK ★ 4.2
N26 Germany Digital Bank 无最低存款要求 基础账户零月费（部分套餐按月收费） Online Conditional ★ 4.2
Revolut New Zealand New Zealand Digital Bank 无首存要求 Standard 免月费 Online Non-residents OK ★ 4.1
Jenius Indonesia Digital Bank 无首存要求 免月费 Online Conditional ★ 4.1
SBM (State Bank of Mauritius) Mauritius Traditional Bank 约 1,000 卢比起存 基本账户免管理费 Must visit Non-residents OK ★ 4.1
Inecobank Armenia Traditional Bank 无最低开户金额，也无最低账户余额要求 非居民账户维护通常免费 Must visit Conditional ★ 4.1
Absa Bank Ghana Ghana Traditional Bank 外汇活期无最低余额，可在线申请 依账户档位而定 Online Non-residents OK ★ 4.1
DBS Bank Singapore Traditional Bank 非居民开户通常要求首存 1,000 新币 约 0–5 新币/月 Must visit Non-residents OK ★ 4
bunq Netherlands Digital Bank 无最低存款要求 约 0–3 欧/月 Online Conditional ★ 4
Yuh Switzerland Digital Bank 无首存要求 基础版免月费 Online Not for non-residents ★ 4
Tai Fung Bank Macao, China Traditional Bank 普通账户最低 1 万澳门元 免账户管理费 Must visit Non-residents OK ★ 4
Luso International Banking Macao, China Traditional Bank 定存 1 万港币（三个月可取） 免账户管理费 Must visit Non-residents OK ★ 4
Santander Chile Chile Traditional Bank 少量首存约 1,000 比索 基本账户免月费，往来账户约 3–9 美元/月 Must visit Non-residents OK ★ 4
Absa Mauritius Mauritius Traditional Bank 约 2,000 卢比起存 基本账户免管理费 Must visit Non-residents OK ★ 4
CFM Indosuez Wealth Monaco Traditional Bank 非居民常见门槛约 50 万欧元起 按资产管理规模约 0.5%–1.5%/年 Remote or in person Conditional ★ 4
ACLEDA Bank Cambodia Traditional Bank 往来账户约 1,000 美元；储蓄账户可 0 美元开户 基本储蓄账户 0 美元 Must visit Conditional ★ 4
Kapital Bank Azerbaijan Traditional Bank 标准个人账户通常无强制最低存款 按产品费率表 Must visit Conditional ★ 4
Zagrebačka banka Croatia Traditional Bank 非居民账户通常无最低存款要求 非居民账户月费高于居民档 Must visit Non-residents OK ★ 4
Revolut Bank (Romania) Romania Digital Bank 多币种账户 0 起，全程远程 基础档无月费 Online Non-residents OK ★ 4
Wise (available in Panama) Panama Digital Bank 多币种账户 0 美元起，远程开通 无月费（按笔收汇换费） Online Non-residents OK ★ 4
Vivid Germany Digital Bank 无最低存款要求 基础零月费（Prime 订阅另计） Online Conditional ★ 4
LHV Bank Estonia Digital Bank 无最低存款要求 基础零月费 Online Conditional ★ 4
Banco Santander Uruguay Uruguay Traditional Bank 在线开立非居民账户需维持约 5 万美元余额 非居民账户约 50 美元/月 Remote or in person Non-residents OK ★ 3.9
BBVA Peru Peru Traditional Bank 支票户约 200 索尔起存 达标可免月费 Must visit Conditional ★ 3.9
Co-operative Bank of Kenya Kenya Traditional Bank 外汇账户约 100 美元起；先令账户约 1,000 先令 约 300 先令/月，另加约 35 先令/笔 Must visit Conditional ★ 3.9
ABC Banking Corporation Mauritius Traditional Bank 初始存款 5,000 美元（约 ¥35,500），开户后一个月内存入 无月费；开户费 100 美元 Online Non-residents OK ★ 3.9
BNP Paribas Monaco Monaco Traditional Bank 居民常见 50 万欧元起（约 ¥355 万）；非居民门槛更高 按服务包与资产管理规模计费 Remote or in person Conditional ★ 3.9
ABB (International Bank of Azerbaijan) Azerbaijan Traditional Bank 标准个人账户通常无强制最低存款；非居民审查更严，部分情形需说明资金沉淀来源 按产品费率表 Must visit Conditional ★ 3.9
BBK (Bank of Bahrain and Kuwait) Bahrain Traditional Bank 往来账户最低余额 BD 300（约 ¥5,730）；Super Saver 储蓄户 BD 20（约 ¥380） 满足工资或余额门槛可免账户管理费 Must visit Conditional ★ 3.9
Emirates NBD United Arab Emirates Traditional Bank 通常要求首存约 3,000 迪拉姆 基础账户免月费，需满足最低结余 Must visit Conditional ★ 3.8
Standard Chartered Brunei Brunei Darussalam Traditional Bank 常见起存约 B$1,000；优先理财更高 达标可免月费 Must visit Conditional ★ 3.8
MauBank Mauritius Traditional Bank 储蓄账户初始存款 MUR 500（约 ¥80）；外币账户 2,000 单位起存 储蓄账户免月服务费 Must visit Conditional ★ 3.8
Standard Chartered Bahrain Bahrain Traditional Bank 无公开首存门槛，按客户关系与资产规模个案评估 达标可免，否则按费率表 Must visit Conditional ★ 3.8
Stanbic Bank Tanzania Tanzania Traditional Bank 非居民初始存款约 TZS 100,000（约 $38） 依账户档位而定 Must visit Non-residents OK ★ 3.8
Paysera Lithuania Digital Bank 无最低存款要求 账户零月费（交易/卡有费） Online Non-residents OK ★ 3.8
OCBC Bank Singapore Traditional Bank 非居民通常要求首存 1,000 新币 约 0–2 新币/月 Must visit Non-residents OK ★ 3.7
SG Sénégal Senegal Traditional Bank 非居民初始存款约 XOF 25,000（约 $40） 依账户档位而定 Must visit Non-residents OK ★ 3.7
Cayman International Bank Cayman Islands Traditional Bank 国际账户约 $5,000 起 依账户档位而定 Remote or in person Non-residents OK ★ 3.7
United Overseas Bank Singapore Traditional Bank 非居民通常要求首存 1,000 新币 约 0–5 新币/月 Must visit Non-residents OK ★ 3.6
Ecobank Sénégal Senegal Traditional Bank 非居民初始存款约 XOF 25,000（约 $40） 基础账户月费较低 Must visit Conditional ★ 3.6
UBS Switzerland Traditional Bank 通常要求 5 万瑞郎起（财富管理线更高） 约 0–30 瑞郎/月（视方案） Must visit Conditional ★ 3.5
Bank of Africa Sénégal Senegal Traditional Bank 非居民初始存款约 XOF 30,000（约 $50） 依账户档位而定 Must visit Conditional ★ 3.5
CBAO Sénégal Senegal Traditional Bank 非居民初始存款约 XOF 35,000（约 $60） 依账户档位而定 Must visit Conditional ★ 3.5
Caye International Bank Belize Traditional Bank 国际账户初始存款约 $5,000 起 依账户档位而定 Must visit Non-residents OK ★ 3.4
BICIS Senegal Traditional Bank 非居民初始存款约 XOF 30,000（约 $50） 依账户档位而定 Must visit Conditional ★ 3.4

Frequently asked questions

Can a multi-currency account receive local domestic transfers?

Not necessarily. Holding and converting currencies is different from having local receiving details. Confirm whether the account provides a local account number and routing code.

What rate do conversions use?

It varies. Better digital banks convert at the mid-market rate and charge a small fee or percentage; traditional banks typically add a spread of 0.5%–3% on top, which is the least visible cost of all.

Is holding foreign currency risky?

There is FX risk, and some currencies carry negative rates that charge you for holding. Multi-currency accounts give you timing freedom, not FX risk protection — hedge large exposures yourself.

Is one multi-currency account enough?

For everyday use, yes. If you hold more than five currencies or need local receiving details in several countries, spread across two accounts — it avoids a single institution risk control making all your funds inaccessible.

Can I fund brokers from a multi-currency account?

Same-name funding usually works, subject to the currencies and banks the broker supports. Hong Kong brokers typically take HKD and US brokers take USD; unsupported currencies get force-converted first.

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