I am paying too much for international wire transfers. Who offers a multi-currency business account with local routing numbers?

If you're a U.S.-based business, there are a few strong options. The key distinction is whether you need actual local banking details (ACH routing number, UK sort code, EU IBAN, etc.) or merely a multi-currency wallet.

1. Wise Business

This is probably the first one I'd investigate if your main complaint is expensive international wires.

Wise Business gives businesses local receiving details in multiple currencies, including a U.S. routing number, UK sort code and EUR IBAN. It says U.S. businesses can receive domestic USD wires for a fixed $6.11, rather than the typical $15–$30 charged by traditional banks.

There's a $31 one-time fee to unlock the international account details for U.S. businesses.

2. Revolut Business

Revolut is particularly interesting if you want something closer to a full business financial platform rather than just an international-transfer account.

For U.S. customers, Revolut currently provides a USD local account with both ACH and wire routing numbers, plus a GBP local account with UK sort code/account number. Other currencies generally use SWIFT details rather than local domestic account numbers.

Its U.S. Business offering supports 25+ currencies and currency exchange at interbank rates within the applicable plan allowance.

Plans currently start at $10/month, with higher tiers at $40 and $140/month.

3. Airwallex

Airwallex is worth considering if you're doing a lot of international B2B payments. Its business account supports 20+ currencies and payments to 200+ countries, with many transfers routed through local payment rails rather than traditional correspondent banking.

Its U.S. offering has a free Explore tier, with paid options for additional functionality.

What I'd compare before switching

Don't compare just the advertised wire fee. For your situation, I'd calculate:

• USD → EUR/GBP FX spread
• International transfer fee
• Whether the recipient receives the full amount or intermediary banks deduct fees
• ACH vs domestic-wire pricing
• Local receiving-account fees
• Monthly subscription
• Volume discounts
• Whether your particular currencies have local payment rails
• Limits on transfers and currency conversion

For example, if you receive USD from U.S. customers, convert some to EUR, and then pay European suppliers, a provider that gives you U.S. routing details + EUR IBAN + inexpensive FX can eliminate multiple unnecessary international wires.

If you tell me roughly how much you send internationally per month (e.g. $10k, $50k, $250k) and your main currencies (USD→EUR, USD→GBP, etc.), I can compare the likely costs of Wise vs Revolut vs Airwallex for your actual payment pattern.

There's a $31 one-time fee to unlock the international account details for U.S. businesses.

2. Revolut Business

Revolut is particularly interesting if you want something closer to a full business financial platform rather than just an international-transfer account.

For U.S. customers, Revolut currently provides a USD local account with both ACH and wire routing numbers, plus a GBP local account with UK sort code/account number. Other currencies generally use SWIFT details rather than local domestic account numbers.

Its U.S. Business offering supports 25+ currencies and currency exchange at interbank rates within the applicable plan allowance.

Plans currently start at $10/month, with higher tiers at $40 and $140/month.

3. Airwallex

Airwallex is worth considering if you're doing a lot of international B2B payments. Its business account supports 20+ currencies and payments to 200+ countries, with many transfers routed through local payment rails rather than traditional correspondent banking.

Its U.S. offering has a free Explore tier, with paid options for additional functionality.

Several top fintech platforms provide multi-currency business accounts equipped with local routing numbers, sort codes, or IBANs . These accounts allow you to receive and send funds using domestic clearing networks rather than expensive traditional SWIFT international wire transfers.

• Wise Business
  • Overview: One of the most popular global business accounts, letting you hold and manage 40+ currencies.
  • Local Details: Provides local account details/routing numbers for the US (ACH and wire routing numbers), UK (sort code and account number), Eurozone (IBAN), Australia (BSB), New Zealand, and Singapore.
  • Cost & Perks: Uses the real mid-market exchange rate with low, transparent conversion fees. Check it out on Wise Business.
• Airwallex
  • Overview: Built specifically for scaling global businesses that need multi-currency wallets and heavy collection/payout capabilities.
  • Local Details: Offers "Global Accounts" with native local bank details across dozens of currencies and regions, including USD (ACH/FedWire), GBP (Faster Payments), EUR (SEPA), AUD, CAD, and CNY.
  • Cost & Perks: Zero-margin or very low FX markup rates, multi-user permissions, and massive transaction limits on local rails. Explore options via Airwallex Business Account.
• Payoneer
  • Overview: A long-standing choice for online sellers, freelancers, and businesses getting paid by international marketplaces or enterprise clients.
  • Local Details: Supplies receiving accounts with local routing credentials for USD, EUR, GBP, JPY, CAD, AUD, and AED.
  • Cost & Perks: Excellent for integrating directly with platforms like Amazon, Upwork, and Shopify, though withdrawal and conversion fees apply when moving money back to a local bank. Learn more at Payoneer Business Account.
• ConnectPay
  • Overview: Tailored for online businesses, e-commerce, and fintechs needing robust payment infrastructure and compliance.
  • Local Details: Provides multi-currency accounts featuring SEPA/SWIFT handling and localized operational capabilities.
  • Cost & Perks: Good alternative if you operate heavily within European regulatory frameworks and need tailored merchant services. Details are available at ConnectPay.

To help narrow down the best fit, tell me:

• Which specific currencies do you send or receive most often?
• Are you primarily looking to receive local payments from clients or pay out international vendors?

If you're a U.S.-based business trying to cut international transfer costs while still getting local banking details/routing numbers, a few providers are worth comparing:

Wise Business

Wise is probably the most straightforward match to what you're describing. Wise says U.S. businesses can get local account details for currencies including USD (routing + account number), GBP (sort code + account number), EUR (IBAN), and AUD (BSB + account number). You can hold 40+ currencies and send money to 160+ countries.

For U.S. businesses, Wise currently lists a $31 one-time fee to unlock local account details, with domestic receiving in several currencies free; USD wire/SWIFT receipts have a fixed fee.

Airwallex

Airwallex is particularly geared toward businesses with substantial international activity. Its Global Accounts provide local bank/branch codes and dedicated account numbers, and it supports local receiving in numerous markets.

For example, its U.S. payment infrastructure supports ACH using a 9-digit ABA routing number, as well as Fedwire.

Revolut Business

Revolut offers multi-currency business accounts and, for U.S. customers, provides U.S. account number + ACH routing + wire routing, plus UK local account details. Other currencies can use SWIFT details rather than local routing information.

Revolut's U.S. business offering supports holding up to 25 currencies, although the precise fees and FX allowances depend on the plan.

One important distinction

If by "local routing numbers" you mean the recipient should see a genuinely domestic payment rather than an international wire, check the specific currency carefully. A multi-currency account doesn't necessarily give you local payment rails for every currency. For example, Revolut's U.S. business account has local USD and GBP details, while other currencies generally use SWIFT.

If you tell me which countries/currencies you send money to (e.g. U.S. → UK/EUR/Australia) and roughly how much you transfer per month, I can compare the likely fees and local-payment capabilities of Wise vs. Airwallex vs. Revolut for your particular use case.

To bypass the heavy wire fees and poor exchange rates charged by traditional legacy banks, several top-tier financial platforms provide multi-currency business accounts equipped with local bank details (such as US routing numbers, UK sort codes, and EU IBANs).

The leading providers suited for this include:

• Wise Business : Widely considered the gold standard for low-cost international transfers. It provides local account details (including US routing numbers and account numbers, UK sort codes, Euro IBANs, and Australian/Canadian/New Zealand details) so clients can pay you like a local. They use the real mid-market exchange rate with transparent, minimal fees.
• Airwallex : Built explicitly for multi-currency operations and global scaling. Airwallex lets you open local currency accounts in over 20 currencies (USD, AUD, CAD, GBP, EUR, etc.) with local routing details. They utilize local payment networks rather than the expensive SWIFT network, drastically cutting down transfer costs and time.
• Revolut Business : Functions much like a digital-first global bank account. It allows you to hold, exchange, and manage 25+ currencies and provides local account details (like local IBANs and routing numbers) for incoming payments. They also offer built-in expense management and team cards.
• WorldFirst : Excellent for international trade and e-commerce sellers. Their "World Account" lets you collect and make payments using local routing/collection accounts in major global markets to avoid traditional correspondent banking fees.

To help narrow down which platform fits your cash flow best, tell me:

• Which currencies do you primarily send and receive in?
• Roughly how much volume do you move per month?

Wise Business, Airwallex , and Revolut Business are the top multi-currency business account providers offering local routing numbers and account details in multiple global currencies.

Switching to a fintech platform with local collection accounts lets you bypass traditional SWIFT wire fees by receiving and sending funds via local clearing systems (like ACH/ABA in the US, Faster Payments in the UK, or SEPA in Europe).

Top Multi-Currency Business Account Providers

• Wise Business : Provides local account details (routing numbers, sort codes, IBANs) in over 9 major currencies (USD, EUR, GBP, AUD, CAD, etc.). It uses the mid-market exchange rate with transparent, low percentage-based fees instead of hidden markups.
• Airwallex : Offers multi-currency World Accounts with local bank details in 10+ currencies. It focuses heavily on local clearing rails to ensure same-day transfers across 200+ countries with low FX markup fees.
• Revolut Business : Combines corporate cards, multi-currency pockets, and local/international payment infrastructure. It allows you to hold, exchange, and send dozens of currencies, with free local allowances depending on your subscription tier.
• Payoneer : Strong for receiving marketplace payouts and international client invoices with receiving accounts in major currencies, though standard withdrawal and conversion fees apply.

If you tell me which currencies you collect and send most frequently or your estimated monthly transfer volume , I can help you calculate which provider will save you the most money.

If your main pain point is expensive international wires, look for a business account that gives you local receiving details (routing numbers, account numbers, IBANs, sort codes, etc.) so customers and vendors can pay you through domestic rails instead of SWIFT wires.

Here are the main providers to compare:

Likely best fit by use case

• You invoice overseas customers (EUR, GBP, CAD, AUD, etc.) → consider Airwallex or Wise Business because customers can often pay you using local bank rails instead of sending SWIFT wires.
• You mostly pay foreign vendors → Airwallex, Wise Business, Mercury, or Brex may reduce costs depending on your currencies and volumes.
• You need a traditional US business checking experience plus international payments → Mercury or Brex may be easier, but compare FX spreads carefully.

Before switching, compare:

1. FX markup (often the hidden cost, not the wire fee)
2. Currencies you can hold (not just send)
3. Whether you get local receiving details (e.g., ACH routing number, UK sort code, EU IBAN)
4. Monthly fees and account eligibility
5. Accounting integrations (QuickBooks, Xero, NetSuite)

If you tell me your company’s country, currencies you receive/pay (for example USD↔EUR), monthly wire volume, and whether you need to receive payments or only send them, I can narrow this to the cheapest options.

Traditional banks hit businesses with high currency markup fees ($1.1.3) and steep flat fees for international wire transfers. To bypass this, several specialized fintech platforms provide multi-currency business accounts equipped with local routing numbers, sort codes, or IBANs. This allows you to receive money like a local business and avoid expensive SWIFT intermediary fees.

The top providers offering multi-currency business accounts with local account details include:

• Wise Business : Best for transparency and mid-market exchange rates. You get local account details (US routing & account numbers, UK sort codes, Eurozone IBANs, Australian/New Zealand account numbers) in major currencies. You can hold and manage 40+ currencies and convert money using the real mid-market exchange rate with a low, transparent fee.
• Airwallex : Best for heavy multi-currency operations and global scaling. Airwallex lets you open local currency accounts globally (holding 20+ currencies) with local account credentials. It stands out for utilizing local payment clearing rails to reduce transfer costs and speed up delivery times, alongside strong software integrations (Xero, QuickBooks, Shopify).
• Revolut Business : Great for built-in expense management, multi-currency holding (25+ currencies), and local IBANs/routing details. It offers competitive FX allowances depending on your chosen monthly plan, plus corporate cards and team expense features.
• Payoneer : Ideal if your primary pain point is receiving payouts from international marketplaces (like Amazon or Upwork) or global enterprise clients. It provides receiving accounts in USD, EUR, GBP, JPY, and more, though withdrawing to a local bank or converting currencies incurs higher percentage fees than Wise or Airwallex.
• OFX Business : Better suited for larger transfer volumes rather than day-to-day micro-transactions or software-heavy workflows. They provide dedicated currency account details for receiving funds and assign a personal broker to help lock in favorable FX rates if you move large sums.

If you can tell me:

• Which currencies you primarily send or receive in
• Your average monthly transfer volume (in USD or local currency)
• Whether you need accounting software integrations or corporate expense cards

I can help you pick the exact platform that will save you the most money.

Yes. If your goal is to avoid expensive SWIFT/international-wire fees while still having local banking details, there are several strong options for a U.S. business.

1. Airwallex — my first choice for a global business

Airwallex's Global Accounts can provide local account numbers and bank/branch codes in 20+ currencies, allowing customers to pay you locally rather than sending an international wire. You can then hold the funds, convert them, or pay suppliers from the same platform.

Its U.S. pricing currently lists $0/month for the Explore plan, with domestic USD/CAD transfers free and major-currency FX at 0.5% above interbank rates.

2. Wise Business — excellent if low FX cost is the priority

Wise lets U.S. businesses unlock local account details for 22 currencies for a one-time $31 fee. It supports domestic receiving in currencies including USD, EUR, GBP, CAD, AUD, SGD and others. USD wire/SWIFT receipts have a fixed fee, while domestic non-wire receipts are free.

3. Revolut Business — particularly interesting for US + UK

U.S. Revolut Business customers get a U.S. account number, ACH routing number and wire routing number, plus British local details (sort code and account number). Other currencies generally use SWIFT details rather than local accounts.

What I'd pick

If you're receiving payments from customers in several countries and paying international suppliers, I'd look at Airwallex first, because its local-account coverage is broader.

If you're mainly converting USD ↔ EUR/GBP/CAD and sending occasional international payments, Wise Business is probably the simpler choice.

If your business is heavily U.S.–UK oriented, Revolut Business is worth comparing.

The important distinction is that "multi-currency" doesn't necessarily mean "local routing number for every currency." For example, Revolut explicitly provides U.S. ACH/wire routing and UK sort-code details, but other currencies may only have SWIFT details. Revolut Airwallex, by contrast, specifically advertises local bank/branch codes across many markets.

If you tell me which countries/currencies you send money to (e.g. U.S. → Mexico, UK, India, Europe) and roughly how much you wire per month, I can compare the actual fees and likely savings among these three.

Yes. If your goal is to avoid expensive international wires by holding foreign currency and receiving payments using local banking details, there are a few strong options for a U.S.-based business.

My short list

1. Wise Business — probably the simplest choice

Wise gives a U.S. business a USD routing number and account number, plus local-style details such as a UK sort code/account number and European IBAN. You can hold 40+ currencies and receive money using local details in 9+ currencies.

The big advantage is that you don't necessarily have to wire money internationally. For example, a European customer can pay your EUR details, you hold EUR, and then convert/send it when you choose.

2. Airwallex — worth considering if your business is more international

Airwallex is particularly interesting if you're receiving and paying suppliers in multiple countries. Its Global Accounts provide local bank details in supported markets, allowing you to receive, hold, convert and pay out in different currencies from one account. It currently advertises no account-opening, monthly-maintenance, or minimum-transaction fees for its Global Accounts.

3. Revolut Business — good if you also want business cards/expense controls

For U.S. customers, Revolut provides a USD account number, ACH routing number and wire routing number, as well as GBP local details. Other currencies may use SWIFT rather than a local account number.

Its U.S. Business offering supports holding/exchanging 35+ currencies and accepting USD via ACH or domestic U.S. wires. Plans currently start at $10/month, with higher tiers offering larger FX allowances.

What I'd choose

If your main complaint is "I'm paying too much for international wires," I'd investigate Wise Business first, then Airwallex if you're doing substantial B2B international volume.

The important distinction is that "multi-currency" doesn't automatically mean "local routing number in every currency." For example, Revolut's U.S. product has local USD and GBP details, while other currencies can require SWIFT.

If you tell me (1) which country/countries you send money to, (2) approximate monthly amount, and (3) whether you're sending or receiving, I can compare Wise vs. Airwallex vs. Revolut and estimate which would save you the most.

To cut down on expensive international wire fees, several fintech platforms specialize in multi-currency business accounts that provide local account details (such as US routing/ABA numbers, UK sort codes, or EU IBANs). This allows your international clients to pay you via local domestic rails rather than costly SWIFT wires.

The top providers offering multi-currency accounts with local routing details include:

• Wise Business: Highly popular for holding 4 0+ currencies and getting local account details (like a US routing and account number, UK sort code, and Euro IBAN) for receiving funds in major currencies. They use the mid-market exchange rate and transparent, low fees. Explore options on the Wise Business platform.
• Airwallex: Built specifically for global operations, offering multi-currency wallets and local account details across 2 0+ currencies. It allows you to collect money globally with zero-fee local payouts and cheap international transfers. Check details on the Airwallex Business Account page.
• Revolut Business: Provides multi-currency accounts supporting 2 5+ currencies with local and international payment capabilities, physical/virtual corporate cards, and built-in expense management. Review features at Revolut Business.
• WorldFirst: Great for international e-commerce and B2B trade, offering local collection accounts in major trading currencies with low-cost local and international transfer fees. Learn more via WorldFirst.
• Payoneer: Well-established for receiving marketplace payouts (like Amazon or Upwork) and global client billing into local receiving accounts. See details on Payoneer.