Best multi-currency neobank accounts

Wise

Best for multi-currency and FX

Monthly

Free

FX fee

0.43%

Savings

3.39%

Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local account details make it the account to hold foreign currency in.

• Mid-market exchange rate with a transparent, low FX fee
• Real local account details in 9+ currencies
• Holds and converts 40+ currencies in one balance

Rates as of Jun 2026

Revolut

Best all-rounder

Monthly

Free

FX fee

0.50%

Savings

1.74%

Revolut packs the widest range of money features into one app. It is the default pick for travellers and anyone who wants spending, saving and investing under one login.

• Huge feature set: FX, savings vaults, stocks, crypto and budgeting
• Weekday interbank FX up to a generous monthly limit
• Polished app with instant spend notifications

Rates as of Jun 2026

bunq

Best for savings interest

Monthly

EUR 3.99

FX fee

0%

Savings

2.46%

bunq blends a real banking licence with multi-currency holding and some of the best in-app interest in Europe. The monthly fee is the trade-off for that protection and yield.

• Dutch banking licence with 100,000 EUR deposit protection
• Competitive interest paid across multiple currencies
• Up to 25 sub-accounts and shared spaces

Rates as of Jun 2026

Mercury

Best for startups

Monthly

Free

FX fee

1%

Savings

—

Mercury is the go-to operating account for venture-backed startups, pairing free business banking with a deep sweep network and treasury tools.

• Free business banking built for startups and founders
• Extended FDIC cover through a partner-bank sweep network
• Treasury yield and software integrations built in

Rates as of Jun 2026

Vivid Money

Best for cashback and investing

Monthly

Free

FX fee

0%

Savings

3.50%

Vivid bundles spending cashback, savings interest and commission-light investing into one account, which makes it a strong second card for EU spenders chasing rewards.

• Cashback on everyday spending plus in-app investing
• Multi-currency pockets with interest
• Backed by a licensed partner bank with EU deposit cover

Rates as of Jun 2026

ZEN

Best for cross-border shoppers

Monthly

Free

FX fee

0%

Savings

—

ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee that few rivals match.

• Purchase money-back rewards on card spending
• Holds and converts 30+ currencies
• Quick onboarding for shoppers and small businesses

Rates as of Jun 2026