Multi-Currency Neobanks: FX Fees and Local Details
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Neobank rankings

Best multi-currency neobank accounts

Hold and convert foreign currencies in one app. Compare FX spreads and local account details.

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Monese

Monese

Best for newcomers without local credit history

Monthly
Free
FX fee
2.50%
Savings
—
3 currencies Mastercard Safeguarded (FCA-authorised e-money) protected E-money (safeguarded) Multi-currency Business

Monese earns its place as an entry account for new arrivals who cannot yet pass a traditional bank's checks, with multi-currency basics built in from day one.

  • Open an account without a UK credit history or proof of address
  • Holds GBP and EUR with local account details
  • Fast app-based onboarding for migrants and expats

Rates as of Jun 2026

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