Hold 40+ Currencies
in One Account

Yes. With Wise Business you can hold balances in 40+ currencies simultaneously in one account. Each currency has a separate balance. You can convert between them instantly at the real mid-market rate whenever you choose.

There is no monthly fee to hold currencies in your Wise Business account. Conversion fees apply when you convert between currencies — typically 0.3–1% depending on the currency pair. There are no inactivity fees or maintenance fees for holding balances.

Yes. Wise provides US bank account details (routing number + account number) so your clients can send ACH transfers directly in USD. The funds arrive in your USD balance without conversion. You convert to EUR whenever you choose.

Traditional bank multi-currency accounts typically support only 3–5 currencies, charge €20–50/month in fees, and apply 2–4% exchange rate markup. Wise supports 40+ currencies, charges no monthly fee, and uses the real mid-market exchange rate with a small transparent conversion fee.