How to Manage Income From Multiple Countries

Remote work, international clients, side projects abroad. Earning money from more than one country is now common, and with the right setup, it can be easy to manage.

When your income flows in from different places, clarity matters. With the right structure and tools, managing cross-border income can feel organized, transparent, and fully under your control.

The challenges

Managing income from multiple countries comes with a few shared considerations:

Multiple currencies: Exchange rates change constantly, which can affect the value of your income once converted.

Scattered payments: Income may arrive from different clients, platforms, or countries, often in different currencies and on different schedules.

Fees and conversions: Exchange and transfer costs can add up if they are not clearly visible upfront.

Tax organization: Cross-border income usually requires a more structured approach to tracking and planning.

Without a clear overview, managing everything takes more time and effort than it should.

Track, convert, and allocate

Strong cross-border money management starts with visibility and control.

Track income by currency: With bunq, you can hold and manage money in multiple currencies within the app. International Bank Accounts with NL, DE, FR, ES, or IE IBANs make it easier to receive local and international payments, while Foreign Currency Accounts help keep income organized by currency.

Convert when it suits you: bunq lets you exchange currencies directly in the app at competitive exchange rates, with pricing shown upfront. You decide when to convert and how much, helping you stay in control of timing and costs. When paying by card abroad, ZeroFX helps you get great value on non-euro transactions with clear pricing.

Allocate income clearly: Use multiple Bank Accounts to separate money for everyday spending, savings, taxes, or other goals. When each purpose has its own account, budgeting becomes simpler and easier to maintain.

A simple routine

A consistent routine helps keep everything running smoothly without adding complexity.

Monthly check-in

• Review incoming payments per currency

• Confirm all expected payments arrived

• Categorize income by source

Taxes

• Set aside a fixed percentage for taxes as soon as income arrives

• Keep tax money in a dedicated account

Transfers and conversions

• Review balances in each currency

• Convert only what you need for the next period

• Batch international transfers instead of reacting to every payment

Budget review

• Compare planned versus actual spending

• Adjust allocations if income changes

With all accounts and currencies visible in one app, these steps stay quick and manageable.

One place, full control

bunq’s multi-currency support brings your cross-border income together in one place. You can hold, receive, spend, and send money in multiple currencies, exchange at competitive rates with clear pricing, and organize your income using multiple accounts.

Everything stays transparent and easy to manage, so you can spend less time on financial admin and more time focusing on the work that earns your income.