IB International Bank International money, compared.

Business Foreign Exchange

Understand and compare foreign-exchange costs for businesses converting money internationally.

For a business converting meaningful amounts of currency, foreign exchange can become a material operating cost.

That means the decision deserves more analysis than simply asking whether an account supports currency conversion.

Commercial disclosure: We may receive compensation from partner links. Suitability is based on structured editorial criteria, not commission.
Source checked

Airwallex

Source checkedReviewed 1 Sep 2026
AccountMultiReceiveTransferFx

Airwallex publishes Global Accounts, multi-currency wallet, FX, payments, cards and API capabilities for businesses, with coverage varying by region.

Protection contextAirwallex protection varies by jurisdiction. Its official guidance describes safeguarding or trust/segregation arrangements for customer funds under the applicable licensed entity.
What to check before applying

Regional availability and supported account features vary by customer location and product; verify current eligibility and pricing directly with Airwallex.

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    Eligibility, protection arrangements and pricing can vary by legal entity, country and product. Confirm current terms with the provider.

    Source checked

    CurrencyFair

    Source checkedReviewed 1 Sep 2026
    ReceiveTransferFxSuppliers

    Business cross-border payments, overseas invoice/supplier payments and international receiving are explicitly published.

    Protection contextCurrencyFair is authorised by the Central Bank of Ireland as a Payment Institution. Its terms distinguish operational segregation from statutory safeguarding, which applies to relevant payment-service funds.
    What to check before applying

    We do not infer exact supported-currency eligibility from marketing totals. Verify supported currencies, jurisdiction and current pricing directly.

      Visit CurrencyFairFull review →

      Eligibility, protection arrangements and pricing can vary by legal entity, country and product. Confirm current terms with the provider.

      Source checked

      OFX

      Source checkedReviewed 1 Sep 2026
      AccountReceiveTransferMultiFx

      Global Business Account with 30+ currencies; published local account details for GBP, EUR, USD and CAD; international payments and corporate-card capability.

      Protection contextOFX UK states it is an FCA-regulated electronic money institution and uses safeguarding for relevant customer funds, keeping safeguarded funds separate from its other bank accounts.
      What to check before applying

      OFX describes the Global Business Account as a non-bank payment facility; product availability and restricted currencies must be checked for the customer jurisdiction.

        Visit OFXFull review →

        Eligibility, protection arrangements and pricing can vary by legal entity, country and product. Confirm current terms with the provider.

        Source checked

        Revolut Business

        Source checkedReviewed 1 Sep 2026
        AccountReceiveTransferMultiFx

        Business multi-currency accounts; published support for holding, sending and receiving across 30+ supported currencies; cards and international transfers.

        Protection contextProtection depends on the Revolut entity and product. Revolut Portugal states eligible Revolut Bank UAB deposits are covered by the Lithuanian deposit-insurance scheme, subject to eligibility and limits.
        What to check before applying

        Eligibility, plan pricing, transfer availability and exact local account details vary by country and plan. Verify directly before applying.

          Visit Revolut BusinessFull review →

          Eligibility, protection arrangements and pricing can vary by legal entity, country and product. Confirm current terms with the provider.

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          Revolut Personal

          Source checkedReviewed 4 Sep 2026
          Full review →

          Eligibility, protection arrangements and pricing can vary by legal entity, country and product. Confirm current terms with the provider.

          Source checked

          Wise

          Source checkedReviewed 1 Sep 2026
          AccountMultiReceiveTransferFx

          Wise publishes business features for sending, receiving, holding and spending in multiple currencies, including batch payments and business integrations.

          Protection contextWise is not a bank. Customer-fund protection varies by entity; Wise publishes safeguarding arrangements that keep customer money separate from operating money.
          What to check before applying

          Feature availability, account details, fees and business eligibility vary by region and customer circumstances; verify current availability directly with Wise.

            Visit WiseFull review →

            Eligibility, protection arrangements and pricing can vary by legal entity, country and product. Confirm current terms with the provider.

            Source checked

            WorldFirst

            Source checkedReviewed 1 Sep 2026
            AccountReceiveTransferMultiFx

            Business-focused multi-currency account and World Card ecosystem. Published World Account balances include a defined set of major currencies.

            Protection contextWorldFirst states customer funds are kept separate from operating funds in line with local regulatory requirements; the applicable entity and protection should be checked for the customer jurisdiction.
            What to check before applying

            Currency and card availability varies by client domicile; MYR restrictions are specifically documented for some regions. Verify eligibility and exact account capabilities.

              Visit WorldFirstFull review →

              Eligibility, protection arrangements and pricing can vary by legal entity, country and product. Confirm current terms with the provider.

              What creates an FX cost?

              The effective cost can be influenced by the underlying exchange rate, any margin incorporated into the rate, a separate transaction charge and other payment fees.

              Compare the amount received

              One practical way to compare quotes is to ask each provider how much of the destination currency will arrive for exactly the same source amount at approximately the same time.

              Volume matters

              A difference that appears insignificant on a £500 transaction may become meaningful for a business converting hundreds of thousands or millions over the course of a year.

              Operational factors

              • Supported currency pairs
              • Payment limits
              • Settlement process
              • Approval controls
              • Bulk payments
              • API access
              • Reporting and reconciliation

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