Best business accounts for Importers and Exporters in Germany
Snapshot
Importers and exporters in Germany pay suppliers and receive payments across currencies, so multi currency receiving and fair exchange rates matter more than the monthly fee. Wise Business and Revolut Business hold and convert several currencies, while Qonto gives a German IBAN for the domestic side of the business.
Suits importers best
A multi currency account with transparent exchange rates. Wise Business charges no monthly fee, as of 11 February 2026.
Typical monthly fee
EUR 0 with Wise Business to about EUR 30 a month with Revolut Business, as of 11 February 2026.
Non resident position
Wise Business and Revolut Business are often more flexible than traditional banks. Verify with the provider.
Providers that fit
3 covered here, several more in the market
Fees and features as of 11 February 2026Last reviewed 11 February 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Importers and exporters care most about the cost of moving money across borders. Wise Business charges no monthly fee and converts currencies near the mid market rate, with a fee that generally starts around 0.33 to 0.4 percent depending on the pair, as of 11 February 2026. Revolut Business holds and exchanges several currencies with free local transfer allowances that rise with the plan. Qonto gives a German IBAN and SEPA payments for the domestic side but prices foreign currency payments separately. Compare the exchange cost and the receiving options, not just the monthly fee.
What Importers and Exporters in Germany need from a business account
An importer or exporter needs to receive payment from overseas customers, pay suppliers abroad, and avoid losing margin to poor exchange rates. The useful features are local receiving details in several currencies so clients pay you as a domestic transfer, conversion near the mid market rate, and clear per payment pricing. A German IBAN still helps for domestic suppliers, payroll and tax. Watch any one time fee to activate local account details and the cost of holding balances in foreign currency.
W
Wise Business
Local receiving details in more than 20 currencies and conversion near the mid market rate. A one time fee may apply to open local account details, and there is no German branch network. Verify current fees with Wise.
Best for
Receiving and converting several currencies at low cost
Holds and exchanges several currencies, with free local transfer allowances that rise by plan. Foreign exchange beyond the plan allowance is charged. Confirm current pricing with Revolut.
Best for
Teams that want cards plus multi currency in one app
Monthly fee
Basic about EUR 10 a month, as of 11 February 2026
A German IBAN with SEPA payments, invoicing and accounting sync. Foreign currency payments are priced separately and are not its core strength. Verify current terms with Qonto.
Best for
The domestic German side of an import or export business
Compare accounts for Importers and Exporters in Germany
These providers accept Importers and Exporters in Germany. Fees and eligibility shown as of 11 February 2026. Confirm current terms with the provider before applying.
Questions about banking for Importers and Exporters in Germany
What account is best for an import or export business in Germany?
It depends on your currency mix. Wise Business and Revolut Business are built for receiving and converting several currencies, while Qonto suits the domestic German side with a local IBAN. Many businesses use a multi currency account alongside a German account. This is general information, not advice.
Does Wise Business give a German IBAN?
Wise Business provides EUR account details, including a European IBAN, and local receiving details in other currencies, as of 11 February 2026. Whether the IBAN is recognised for every German direct debit can vary, so verify with Wise and the counterparty.
How are exchange rates charged on these accounts?
Wise converts near the mid market rate with a fee that generally starts around 0.33 to 0.4 percent by currency pair, as of 11 February 2026. Revolut applies its own rate with allowances that vary by plan. Always check the live rate and fee at the time of payment.
Can I pay suppliers abroad from a German business account?
Yes. Most providers support international payments, but the cost and speed vary widely. Multi currency providers such as Wise Business and Revolut Business are usually cheaper for frequent foreign payments. Confirm the per payment cost with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 February 2026. Confirm current terms with the provider before applying.