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Best business bank accounts for international payments in 2026
A practical guide to the best business bank account for international payments.
The best business bank account for international payments minimizes fees, offers competitive exchange rates, and enables seamless cross-border transactions. As your business expands globally, reliable mobile data through business eSIM solutions like Holafly for Business ensures your team can manage payments securely from anywhere.
This guide compares the best options by fees, features, and use cases.
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What to look for in a business account for international payments
When selecting the best business bank account for international payments, prioritise features that impact cost, speed, and operational control.
- Multi-currency support: Check for the ability to hold, send, and receive multiple currencies.
- International transfer fees: Understand the costs of sending money abroad, including flat fees (often £15–30 per transaction), percentage-based charges, and intermediary bank fees.
- Exchange rates: Examine the markup applied above the mid-market rate (typically 2–4%) and look for providers offering transparent, near mid-market rates.
- Processing speed: Determine how quickly payments arrive. This can range from same-day transfers to five business days.
- Local account details: Verify access to local information, such as US routing numbers, UK sort codes, and EU IBANs, for incoming payments. This enables easier and often cheaper local incoming payments.
- Payment methods: Ensure the account supports SWIFT, ACH, SEPA, or platform-specific rails.
- Additional features: Consider extra tools such as expense cards, team management, and accounting software integrations. These can help reduce recurring conversion costs and improve cash flow management.
- Monthly fees: Research account maintenance costs and determine if these fees can be waived based on transaction volume or balance requirements.
Important: Feature availability, pricing, and terms are subject to change and may vary by provider and region.
7 best business bank accounts for international payments
The table below compares the best business bank accounts for international payment options, highlighting fees, currency support, and the types of businesses each account is best suited for.
| Provider | Best for | Currencies supported | Key strengths | Fees overview |
|---|---|---|---|---|
| Wise Business | SMBs making regular international transfers | Hold and exchange 40+ currencies | Mid-market FX rates, low transfer costs, and fast delivery | Free Essentials plan. A one-time fee of £50 for the Advanced plan. Transfer fees: ~0.33–2% |
| Airwallex | Businesses expanding internationally | Hold and manage 30+ currencies | Local payment collection, cards, and APIs | £19/month for the Explore plan (waivable). FX markup: ~0.5–1%. SWIFT fees range from £10 to £20 |
| Revolut Business | Multi-currency spending and expense management | Hold and exchange 35+ currencies | Expense tools, cards, and broad card acceptance | Plans start from £10/month. FX markup ~0.6% beyond allowances. Higher fees for off-market hours |
| Bluevine | US businesses earning interest on balances | 15 currencies | Interest-bearing balances and fast payments | £20 per USD transfer. FX: £20 + 1.5%. Lower fees on higher tiers |
| JPMorgan Chase for Business | Large enterprises needing full-service banking | 120+ currencies | Global reach, branches, and credit access | £12–£24/month (waivable). Wires: £24 online, £40 in-branch |
| Relay | Small US teams needing account segmentation | Multiple currencies via wires | Multiple accounts and card controls | ACH: free. Wires: £4–£6. FX markup: ~1–1.5% |
| Payoneer | Marketplace sellers and freelancers | Major currencies, including GBP, EUR, and USD | Marketplace integrations and payouts | Receiving is often free. ACH USD up to 1%. FX up to 3.5%. Inactivity fee after 12 months |
1. Wise Business
Overview
Wise Business is a multi-currency account that allows businesses to hold and exchange over 40 currencies using the mid-market exchange rate. Fees are shown upfront before each transaction.
Best for
Small and medium-sized businesses making regular international transfers and looking to minimise currency conversion costs.
Key features
- Hold and exchange over 40 currencies.
- Mid-market exchange rate with no markup.
- Local account details in selected currencies, including GBP, EUR, and USD, for receiving payments.
- Batch payments to up to 1,000 recipients.
- Integrations with accounting software (e.g., Xero and QuickBooks).
Fees
Free Essentials plan. Advanced plan: £50 one-time fee (adds local/SWIFT receiving). Transfer fees: 0.33–2% depending on currency. Delivery: Usually within 24 hours.
2. Airwallex
Overview
Airwallex is a global payments platform with multi-currency accounts and local payment collection, allowing businesses to manage international payments through local rails.
Best for
Businesses expanding internationally that require fast setup, local payment collection, and flexible control over spending.
Key features
- Hold and manage funds in more than 30 currencies.
- Local receiving accounts in 10+ major markets, including GBP, EUR, and USD.
- Payment collection through invoices, online checkout, and payment links.
- Spend management with multi-currency team cards.
- API access for custom integrations.
Fees
Free account opening. Explore plan: £19/month (waivable with min. balance). FX markup: ~0.5% major currencies, up to 1% on others. SWIFT: £10–£20. Local rails: Same-day or next business day.
3. Revolut Business
Overview
Revolut Business is a multi-currency business account with built-in expense management and tiered pricing plans.
Best for
Businesses that need multi-currency spending, expense management tools, and flexible pricing tiers.
Key features
- Hold and exchange funds in more than 35 currencies.
- Team expense cards with spending limits and controls.
- Budgeting and expense tracking tools.
- International transfers in over 30 currencies and card spending in more than 150 currencies.
- Integrations with accounting software.
Fees
Free account opening. Basic plan: £10/month (scales to Enterprise). Limited free local transfers. FX: Interbank rate up to allowance, then ~0.6% markup. Higher fees for off-market hours.
4. Bluevine
Overview
Bluevine is a US-based fintech with an interest-earning business checking account with international payment support to 32 countries.
Best for
US businesses that want to earn interest on account balances while sending international payments.
Key features
- Send international payments to 32 countries in 15 currencies.
- Earn interest on balances, typically ranging from around 1.3% to 3.25% APY (Annual Percentage Yield), depending on the plan and activity requirements.
- Delivery within 24 hours for most payments.
- Upfront and transparent pricing for transfers and currency conversion.
Fees
Free account opening. USD transfers: £20 per transaction (Standard/Plus), with an additional 1.5% FX fee. Premier tier: Lower rates. May charge for incoming international payments.
5. JPMorgan Chase Business
Overview
JPMorgan Chase Business is a traditional full-service bank offering international wire transfers to more than 200 countries in 120 currencies.
Best for
Large and enterprise-level businesses that require in-person branch support, access to credit, and a wide range of banking services.
Key features
- International wire transfers to over 200 countries in more than 120 currencies.
- Extensive branch network across 48 US states.
- Business credit cards, loans, and lending products.
- Built-in fraud protection.
- Integration with accounting software such as QuickBooks.
Fees
Free account opening. Monthly fee: £12–£24 (waivable with min. balance). International wires: £40 in-branch, £24 online. Reduced/waived for high-value transfers.
6. Relay
Overview
Relay is a digital banking platform that offers international wire transfers with tools for managing multiple accounts and debit cards. It’s designed to give small teams precise control over spending and cash flow.
Best for
Small US-based teams that need multiple accounts, debit cards, and cost-effective international transfers.
Key features
- Open up to 20 reserve accounts to separate funds by purpose.
- Issue up to 50 physical or virtual debit cards.
- Currency exchange fees typically start at around 1%.
- Real-time exchange rate visibility before sending payments.
- Free Starter plan available.
Fees
Free account opening. ACH: Free. Domestic wires: £4–£6. Same-day ACH: £1–£4. International transfers: Competitive fees with 1–1.5% FX markup.
7. Payoneer
Overview
Payoneer is a global payment platform designed for freelancers, eCommerce sellers, and marketplace-driven businesses that require receiving cross-border payments.
Best for
Businesses that earn revenue through international marketplaces such as Amazon, eBay, and Upwork, or work with overseas clients.
Key features
- Receive payments from global marketplaces and international clients.
- Multi-currency receiving accounts in major currencies, including GBP, EUR, and USD.
- Mass payout tools for sending payments to multiple recipients.
- Integrations with leading marketplaces.
Fees
Free account opening. Receiving from Payoneer users: Free. Local transfers (GBP/EUR): Free. USD via ACH: Up to 1%. Credit card: Up to 3.99%. FX: Up to 3.5%. An inactivity fee after 12 months.
Keep your international team connected with Holafly for Business
Managing international payments requires secure, reliable access to banking platforms, payment systems, and financial tools from anywhere your team operates. When employees need to approve transactions, verify exchange rates, or access multi-currency accounts while traveling, unreliable mobile data or expensive roaming charges can disrupt critical financial operations.
Holafly for Business provides your global team with reliable 4G/5G mobile data in 160+ destinations through centralized business eSIM management in the Holafly Business Center. Your finance team can securely access banking apps, manage payment approvals, and communicate about transactions without dropping connection or surprise roaming bills.
Our Holafly Business Plans offer scalable solutions for teams of any size, with no long-term contracts. Request a demo to see how Holafly keeps your international payment operations running smoothly.
Business travel made easy
Get a Holafly eSIM for Business and enjoy mobile internet as soon as you step off the plane.
Disclaimer: The information provided in this article is for informational purposes and reflects research conducted on 15 January 2026.
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I am a Liverpool-based SEO content specialist with years of experience crafting content that connects. I combine my love for clear communication with a passion for travel and languages (currently diving into Japanese!). At Holafly, I'm here to help you understand everything about staying connected abroad, turning technical jargon into straightforward advice you can actually use.
