Multi currency business accounts in Netherlands

Snapshot

A multi currency account lets a Dutch business hold, receive and convert several currencies in one place. Wise Business and Revolut Business are the common specialist options, holding many currencies near the mid market rate, while ABN AMRO, ING and Rabobank offer foreign currency accounts within a traditional relationship. The right fit depends on your currencies and volume. As of 11 May 2026.

Specialist providers: Wise Business and Revolut Business hold many currencies and convert near the mid market rate, with costs that vary by plan. As of 11 May 2026.
Traditional banks: ABN AMRO, ING and Rabobank offer foreign currency accounts within a full relationship, often at a higher conversion cost. Verify with the bank.
What to compare: The conversion cost, the fee free allowance, the currencies supported, and whether you receive a local or a foreign IBAN.
IBAN note: Specialist providers often issue a foreign IBAN. It must be accepted across SEPA, though some Dutch parties prefer an NL IBAN.

Fees and features as of 11 May 2026Last reviewed 11 May 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

A multi currency account suits a Dutch business that invoices or pays in more than one currency, since it lets you hold a balance in each currency and convert when the rate suits rather than on every payment. Wise Business and Revolut Business are the common specialist options, holding many currencies and converting near the mid market rate, with conversion costs and fee free allowances that vary by plan. The large Dutch banks, ABN AMRO, ING and Rabobank, offer foreign currency accounts within a fuller relationship, which can matter for lending or trade finance, usually at a higher conversion cost. The points that decide the real cost are the conversion fee, any fee free allowance, the currencies supported, and whether you get a Dutch or a foreign IBAN. Figures are shown as of 11 May 2026. Confirm current terms with each provider.

What a multi currency account does in Netherlands

A multi currency account holds balances in several currencies at once, so foreign revenue does not have to be converted to euro the moment it arrives. You can receive in a currency, hold it, pay suppliers in it, and convert only when you choose. That reduces the number of conversions, and a lower conversion cost then matters more than the headline monthly fee for a business with real foreign flow. As of 11 May 2026.

Specialist multi currency providers

Wise Business lets you hold and receive many currencies near the mid market rate, with a transparent conversion fee and a one off opening fee rather than a monthly charge. Revolut Business holds many currencies with a fee free exchange allowance that varies by plan, then a conversion fee beyond the allowance and a surcharge outside market hours. Both hold an electronic money licence, so funds are safeguarded rather than covered by a deposit scheme, and both often issue a foreign IBAN. As of 11 May 2026. Verify the current pricing with each provider.

Foreign currency accounts at traditional banks

ABN AMRO, ING and Rabobank offer foreign currency accounts as part of a full business relationship, which can suit a firm that also needs lending, trade finance or a Dutch IBAN. The conversion cost is usually higher than a specialist provider, and the structure varies by bank. Confirm the supported currencies and the conversion cost with the bank, as of 11 May 2026.

What to compare before you choose

The conversion cost and any fee free exchange allowance.
The currencies you can hold and receive, matched to your actual invoices.
Whether you receive a Dutch IBAN or a foreign IBAN, and whether your clients accept it.
The protection position, since specialist providers safeguard funds rather than offer deposit cover.

Compare multi currency accounts available in Netherlands

These providers accept business customers in the Netherlands and support multi currency holding and conversion. Fees and eligibility shown as of 11 May 2026. Confirm current terms with the provider before applying.

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Questions about multi currency accounts in Netherlands

Which providers offer multi currency business accounts in the Netherlands?

Wise Business and Revolut Business are the common specialist options, holding and converting many currencies near the mid market rate. ABN AMRO, ING and Rabobank offer foreign currency accounts within a full relationship, usually at a higher conversion cost. As of 11 May 2026. Verify with the provider.

Will I get a Dutch IBAN on a multi currency account?

Not always. Specialist providers such as Wise Business and Revolut Business often issue a foreign IBAN, which must be accepted across SEPA, though some Dutch clients and public bodies still prefer an NL IBAN. Check how you get paid before you choose, as of 11 May 2026.

How much does currency conversion cost?

It varies. Wise Business charges a transparent conversion fee near the mid market rate, Revolut Business offers a fee free allowance that varies by plan and then a conversion fee, and traditional banks usually charge more. Compare the cost for your main currencies, as of 11 May 2026. Verify with the provider.

Are funds in a multi currency account protected?

It depends on the provider. Wise and Revolut hold an electronic money licence, so customer funds are safeguarded rather than covered by a deposit scheme. A foreign currency account at a licensed bank carries the deposit cover of that bank up to the published limit. Confirm with the provider, as of 11 May 2026.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 May 2026. Confirm current terms with the provider before applying.