A multi-currency account lets you hold, receive, and spend money in more than one currency without opening a separate bank in each country. You keep euros, dollars, pounds, or other balances side by side and convert only when you need to.

If you travel, shop internationally, or get paid in foreign currency, one account with multiple balances cuts conversion fees and simplifies your finances.

How multi-currency accounts work

You typically get local account details (such as a Local IBAN or equivalent) for major currencies. Incoming payments land in the right balance. When you spend, the bank uses the matching currency first; if none is available, it converts at the live exchange rate.

Good providers show the rate and fee before you pay. Poor ones hide markup inside the exchange rate.

Multi-currency vs single-currency account

Single currency: Simple for domestic life; every foreign payment triggers conversion.

Multi-currency: Better for cross-border income, travel, and online shopping in other currencies.

Multi-currency banking at bunq

Hold and spend in multiple currencies with international accounts. Pay abroad with ZeroFX using fair exchange rates. Manage everything from one Bank Account in the app alongside Budgeting and instant notifications.

Common questions

Do I pay to hold multiple currencies?Fees depend on your plan and currency. Check current pricing in the bunq app.

Which currencies are supported?

Available currencies are listed in the app and update as bunq expands coverage.