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

To bypass heavy SWIFT fees and intermediate bank markups, several top-tier financial technology platforms offer multi-currency business accounts . These providers give you local account details (such as US routing numbers, UK sort codes, and EU IBANs) so you can hold, send, and receive money via domestic clearing networks.

The leading providers offering multi-currency accounts with local routing numbers include:

- **Currencies Supported:** Hold and exchange 40+ currencies.
- **Local Details:** Provides dedicated account details (routing numbers and account numbers for USD, sort codes for GBP, IBANs for EUR, plus details for AUD, CAD, NZD, and SGD).
- **Why it's great:** Known for transparent, mid-market exchange rates with minimal markup fees, making it ideal for paying international contractors or receiving local transfers from global clients.[](https://google.com/goto?url=CAESjAEB6zswFZMJDSR7KaEYRN30EUZXe6y8jsYkfeBraJIsiSIqD6vNzogwVtz2qkYMZszmKcP1SqZ9J7lqMb2Hteb2dTW8zWu5lb2KB-YYT_Wd3k4FTQ0JKNBAwfRFWeJE9bPvGuc3H0khpsqF5XsL8AXiab95ZX4v9Uli-iwc8TKKYpxIf4j8g0dZWVQzQQ) [[1]](https://google.com/goto?url=CAESjAEB6zswFZMJDSR7KaEYRN30EUZXe6y8jsYkfeBraJIsiSIqD6vNzogwVtz2qkYMZszmKcP1SqZ9J7lqMb2Hteb2dTW8zWu5lb2KB-YYT_Wd3k4FTQ0JKNBAwfRFWeJE9bPvGuc3H0khpsqF5XsL8AXiab95ZX4v9Uli-iwc8TKKYpxIf4j8g0dZWVQzQQ)[[2]](https://google.com/goto?url=CAESaAHrOzAVqjviTli_zvlknyvqf31fjpSV5PCuo8Qb9a4iBQNI2us8LKjeNsUj-hcS4tx1c51I1Vbly1Myi2QcSQnJKo0zsogLPHMpYGbw2FuSIEnXN2izVPaRzHjzlJZBZJkcds4x2--W)[[3]](https://google.com/goto?url=CAESZAHrOzAVHODHrsDH_OfmF7yd5F23denls4ITu34eZ6qFsL87m5_CfadbmuPJYXlQJyeQj17NDL1TCfzwn-a8IFebQTuufKTAYjCJLCnlSLa8-U8hABS2GRutS73xRt8dO89ORfU)[[4]](https://google.com/goto?url=CAESUgHrOzAVdmM_v1BDHJ1Xts7pEqJR3kfG5gyG9LZ9K-AYwsUiMV2ht7Fw4yEWD-EJBvK-_GFCn53YUJ7uG6_HnMFUPpUTuivcSBrT0Ik4XGvGC0s)[[5]](https://google.com/goto?url=CAESXwHrOzAVQMmX3PecXnj_0Rnn7rZYslHzmE8Btx3839NJPg-VgB_qUL1z1bp-z0DVMrffBRa-PazzY_GR8yr_8mbOg8gn-qpfb9xfJSosFQgToYEquuNeWJyAetSipYRO)

- **Currencies Supported:** Holds 20+ currencies with collection capabilities in major economic hubs.
- **Local Details:** Gives you local bank account numbers and routing codes (including ABA/ACH/FedNow routing numbers for the US, Faster Payments/Sort Codes for the UK, and SEPA IBANs for Europe).
- **Why it's great:** Built specifically for global businesses with high-volume payouts, offering low-cost local transfers and robust expense management/API integrations.[](https://google.com/goto?url=CAESdAHrOzAVQIq5PHebpzUR_4WZnI6iXNbftrrJD6EgrV07zoInTdT_wb9Z-szncviSLBarmDFm6W0l_fiWC-sdLKIKP9M1dzMJ4mpbhtkjDUdFg5sHymifHFC0ZnK_SA5h3XkXUuxuxZzveKk9-VlexlLstk0Q) [[1]](https://google.com/goto?url=CAESdAHrOzAVQIq5PHebpzUR_4WZnI6iXNbftrrJD6EgrV07zoInTdT_wb9Z-szncviSLBarmDFm6W0l_fiWC-sdLKIKP9M1dzMJ4mpbhtkjDUdFg5sHymifHFC0ZnK_SA5h3XkXUuxuxZzveKk9-VlexlLstk0Q)[[2]](https://google.com/goto?url=CAESjAEB6zswFZMJDSR7KaEYRN30EUZXe6y8jsYkfeBraJIsiSIqD6vNzogwVtz2qkYMZszmKcP1SqZ9J7lqMb2Hteb2dTW8zWu5lb2KB-YYT_Wd3k4FTQ0JKNBAwfRFWeJE9bPvGuc3H0khpsqF5XsL8AXiab95ZX4v9Uli-iwc8TKKYpxIf4j8g0dZWVQzQQ)[[3]](https://google.com/goto?url=CAESbQHrOzAV1xk6W3kWO5EaFo21XseY2VggFr_8PK5jcNcZBvsBHT3C0E7DIpBPVQ80B3attjjkV6G61FlM3TZSfagO-tKztEqLsyJlwWjLz0FLe6yT7OaCV8K4SRxyqCjvfeN9B31XRbAYkjRM8dk)[[4]](https://google.com/goto?url=CAESawHrOzAVHOMzq_dsQehlrf9rZTUTvgSjXR7V9wWcs_bayb5ZML6iSZqwIrlOr3msMS6roZRWJjzSR1TlSJzNxSihBZ6gaIP6rApB2BzVceqVweiqjJzCHQsOo668dneuZxdkzykRy2tQfuNs)[[5]](https://google.com/goto?url=CAESogEB6zswFeBhJhxVv7qEaJO9tNjrednZPiOsS4s98tvQWZoTkWJrMkE6x_gS-Xh28xmNm0tq_8ktCT1oWD22utbIRRlewWE8NVFJqWnEzr8zvs0wEYT-XxfpfHvcmSH6J2_ugXp_pNl6cWWZeTuEokGW5x6hHgsJrLQGYFC3WrV27yfGKjoso7sSGKxorU0EEsHn45U97GkqUCpKw55lbwOlrlE)

- **Currencies Supported:** Holds and exchanges 25+ currencies.
- **Local Details:** Offers local IBANs for European currencies and local account details for USD and GBP depending on your plan tier.
- **Why it's great:** Combines multi-currency holding accounts with corporate cards, expense tracking, and built-in team spend controls.[](https://google.com/goto?url=CAESjAEB6zswFZMJDSR7KaEYRN30EUZXe6y8jsYkfeBraJIsiSIqD6vNzogwVtz2qkYMZszmKcP1SqZ9J7lqMb2Hteb2dTW8zWu5lb2KB-YYT_Wd3k4FTQ0JKNBAwfRFWeJE9bPvGuc3H0khpsqF5XsL8AXiab95ZX4v9Uli-iwc8TKKYpxIf4j8g0dZWVQzQQ) [[1]](https://google.com/goto?url=CAESjAEB6zswFZMJDSR7KaEYRN30EUZXe6y8jsYkfeBraJIsiSIqD6vNzogwVtz2qkYMZszmKcP1SqZ9J7lqMb2Hteb2dTW8zWu5lb2KB-YYT_Wd3k4FTQ0JKNBAwfRFWeJE9bPvGuc3H0khpsqF5XsL8AXiab95ZX4v9Uli-iwc8TKKYpxIf4j8g0dZWVQzQQ)[[2]](https://google.com/goto?url=CAESjAEB6zswFZMJDSR7KaEYRN30EUZXe6y8jsYkfeBraJIsiSIqD6vNzogwVtz2qkYMZszmKcP1SqZ9J7lqMb2Hteb2dTW8zWu5lb2KB-YYT_Wd3k4FTQ0JKNBAwfRFWeJE9bPvGuc3H0khpsqF5XsL8AXiab95ZX4v9Uli-iwc8TKKYpxIf4j8g0dZWVQzQQ)[[3]](https://google.com/goto?url=CAESYwHrOzAVZVRURWhQtWaHa-BKMgO54IeWKbuCECcJFnfCY4131BzoOB4BZo3zIU4ekTUnT4tdLntmFrg8hJl0QGcNjFYRg0zrs8iEgBz347tXDB0CF7402-u7qQLYgUhMWagaRg)[[4]](https://google.com/goto?url=CAESWwHrOzAVb8bu9ikN0SeUrrO8O-f98JEGvlxqaY7HvVx1n_5gFaBoBJ19Ljen02iI9UZeM-UydSnOC5VSr-at4FfFqxcL3jkxVIcjSzJN54IVcIPOow-xveFE6tw)[[5]](https://google.com/goto?url=CAESXQHrOzAVDEsyMWlhhC_SDEg1qc2wlyCNnOLjnajXiDXECe3r--I9rxFqzYpWQEVGDfIUPEcZhM8-s63mfUONU6tMdplW3Ob2bs_75WPzJ-VYs_Qxf_9IS2Fz5WgOtQ)

- **Currencies Supported:** 20+ currencies.
- **Local Details:** Provides local collection accounts across the US, UK, Europe, Canada, and Australia.
- **Why it's great:** Geared heavily toward e-commerce sellers, importers, and exporters dealing with massive international marketplace payouts.[](https://google.com/goto?url=CAESjAEB6zswFZMJDSR7KaEYRN30EUZXe6y8jsYkfeBraJIsiSIqD6vNzogwVtz2qkYMZszmKcP1SqZ9J7lqMb2Hteb2dTW8zWu5lb2KB-YYT_Wd3k4FTQ0JKNBAwfRFWeJE9bPvGuc3H0khpsqF5XsL8AXiab95ZX4v9Uli-iwc8TKKYpxIf4j8g0dZWVQzQQ) [[1]](https://google.com/goto?url=CAESjAEB6zswFZMJDSR7KaEYRN30EUZXe6y8jsYkfeBraJIsiSIqD6vNzogwVtz2qkYMZszmKcP1SqZ9J7lqMb2Hteb2dTW8zWu5lb2KB-YYT_Wd3k4FTQ0JKNBAwfRFWeJE9bPvGuc3H0khpsqF5XsL8AXiab95ZX4v9Uli-iwc8TKKYpxIf4j8g0dZWVQzQQ)[[2]](https://google.com/goto?url=CAESfAHrOzAVErUSz1Eo9l17PGH4Y9M2FmJIvFUfffd6GAcYqKNBeEmgYPBavhz4qLF9ZzhFo636HJKuYXiW3ibMwvP8Z2J0dHH0DsYbBU6sK6JPcvM48XO0Gd6bKaBBel6jnsnbkYGYDnaqumemCpNkmAMcEVbxspasm_lU_f8)[[3]](https://google.com/goto?url=CAESRAHrOzAVbJW6t4YQWNGBBNI9Wg6fM0NWwtc4dqfmChHYeAq7XqDoCAza8osejzn_YHcfnzo_v4Fn-y564Kx259XjSV8m)[[4]](https://google.com/goto?url=CAESaAHrOzAVEDsSszCOPUQHt0RR7rm65ABBiTO26baGDHZDoUFG5s1G5Ugslhul1qgi-lf2rvNNIPdGGPumvV2DQUKexha_OxPRGmudz_ej_pKAiVZc7loZv8On-lJRcqdUA-EOsjhGkFZB)[[5]](https://google.com/goto?url=CAESggEB6zswFVoAJzCu8Nrh-SPcnlUTLAezAM6nNuuAD0AyOjGpdtXPEBsovtblTuyyp_7h1oSYc4qnKh8cJZs8Hm_jBqrdfir3dAViwBf1CDG5NIuLOyUt1uWbx1EWAZ0buC61NMioR8FlOZQom-7lxhipbRF8ruGoIKu0OvwSynXLt30P)

To help narrow down which provider fits best, tell me:

• Which specific currencies do you primarily send or receive?
• Roughly how much volume (in USD/month) do you process through international wires?

If your goal is to reduce international wire costs while still giving customers/vendors local bank details, I’d look at these first:

My top two

1. Wise Business — probably the best starting point for you. For a US business, Wise provides a US routing number and account number, plus local receiving details such as a European IBAN and UK sort code. It supports holding 40+ currencies and paying businesses in 160+ countries.

There is a $31 one-time fee to unlock local account details. Domestic incoming payments in USD, EUR, GBP, CAD, AUD, etc. can be free; USD wire/SWIFT receipts currently have a $6.11 fixed fee.

2. Airwallex — worth considering if you have significant international volume. Its Global Accounts provide local bank/branch codes and dedicated account numbers in multiple markets, allowing you to receive money locally, hold it in the original currency, and pay suppliers without unnecessarily converting back to USD.

Revolut Business is another strong option, but there's an important catch for a US business: you get US local account details (including ACH and wire routing numbers) and UK local details, but other currencies may only have SWIFT details rather than local routing/account information.

What I'd choose

If you're mainly trying to stop paying expensive international wire fees, I'd start with Wise Business. If you're processing high volumes across many countries, I'd price out Airwallex alongside it.

If you tell me roughly how many international wires you send per month, the countries/currencies involved, and the typical wire amount, I can compare Wise vs. Airwallex vs. Revolut and estimate how much you could save.

Yes. If your goal is to stop paying traditional-bank wire fees and FX markups, the strongest options for a U.S.-based business are:

My first choice: Wise Business

For what you described, Wise Business is probably the closest match. It gives businesses local payment details such as a U.S. ABA routing number, Euro IBAN, and UK sort code/account number, allowing customers to pay you through local rails rather than an international wire. You can hold 40+ currencies and convert between them.

For U.S. businesses, Wise currently lists a $31 one-time fee to unlock account details, with domestic receiving available for several currencies at no charge; USD wire/SWIFT receipts have a fixed fee.

Airwallex is worth considering if you're more international

Airwallex provides "Global Accounts" with local bank/branch codes and account numbers, and its U.S. offering supports USD local rails such as ACH and Fedwire. It supports 20+ currencies in its global wallet.

Its U.S. pricing currently advertises FX at 0.5% above interbank for major currencies and 1% for others, alongside free local transfers to 120+ countries.

Revolut Business

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

Bottom line: If you're primarily trying to replace expensive international wires, I'd start with Wise Business. If you're running a company with substantial international supplier/customer payments, payroll, cards, and accounting integrations, Airwallex may be more powerful.

If you tell me which countries/currencies you're sending money to (e.g. U.S. → UK/EU/Canada) and roughly how much per month, I can compare the actual fees and estimate how much you'd save versus your current bank.

Several specialized global financial platforms offer multi-currency business accounts providing local routing numbers, sort codes, or IBANs . These features let you bypass traditional, expensive SWIFT intermediary fees by receiving and sending funds via domestic clearing systems (like ACH in the US or Faster Payments in the UK).

Top providers offering these capabilities include:

• Airwallex Business Account: Provides multi-currency wallets with local account details (including US routing numbers, UK sort codes, and European IBANs) across multiple major currencies. It focuses heavily on low FX markup rates and seamless software integrations.
• Wise Business Account: A widely used option that provides local account numbers and routing details for USD, EUR, GBP, AUD, NZD, and more. It uses the real mid-market exchange rate with transparent, upfront conversion fees.
• Payoneer Business Account: Offers receiving accounts in key currencies (USD, EUR, GBP, JPY, AUD, CAD) with local routing/sorting capabilities, tailored mainly for e-commerce sellers, freelancers, and digital platforms.
• ConnectPay : Offers localized financial solutions and multi-currency IBAN accounts geared toward online businesses, iGaming, and digital service providers requiring tailored compliance and merchant services.

To help narrow down the best fit, tell me:

• Which currencies do you primarily need local details for?
• Are you mostly receiving payments from clients/marketplaces or paying international suppliers/team members?

Yes. For a U.S. business trying to cut international wire costs, I’d look first at Wise Business and Airwallex. Both give you multi-currency balances plus local banking details, so you can often avoid receiving an international wire/SWIFT payment in the first place.

Wise specifically provides a U.S. routing (ABA) number and account number, as well as UK sort code/account number, EUR IBAN/SWIFT details, Australian BSB, Canadian institution/transit numbers, etc. wise.com Its U.S. Business pricing currently shows a $31 one-time fee to unlock account details, with domestic receiving available in USD, EUR, GBP, AUD, CAD, etc.; USD wire/SWIFT receiving is $6.11 per payment.

Airwallex is particularly compelling if you have multiple foreign currencies and recurring international payments. Its Global Accounts provide local bank/branch codes and dedicated account numbers, with local accounts available in 20+ currencies. Its U.S. pricing currently lists FX at 0.5% above interbank for major currencies and 1% for others.

My pick

• Mostly receiving money internationally: Wise Business
• Lots of international suppliers/payroll/operations: Airwallex
• Almost everything is USD, but you send wires overseas: Mercury can be very attractive because it advertises free USD international wires and a 1% fee for non-USD international payments.

The important distinction is “local receiving details” vs. simply having a multi-currency balance. If your goal is to stop paying $15–$50+ in bank wire fees, you want an account that gives your customer/vendor a local routing number, sort code, IBAN, etc., so the money enters locally and you convert it only when necessary.

If you tell me which countries/currencies you send and receive (e.g. U.S. ↔ UK/EU/Mexico/Canada) and roughly how much you wire per month, I can compare the actual fees and estimate how much you'd save.

If you are tired of losing $25 to $50 per wire plus a 3% to 4% hidden markup on the exchange rate via traditional banks , specialized non-bank fintech platforms offer multi-currency business accounts with local routing numbers, sort codes, and IBANs. These allow you to receive funds domestically (via ACH, SEPA, Faster Payments, etc.) rather than through costly international SWIFT wires.

The leading providers for multi-currency business accounts with local routing details include:

• Wise Business - Best for transparent, mid-market exchange rates and ease of use. It provides local account details (US routing numbers, UK sort codes, EU IBANs, Australian BSBs, etc.) in over 20 currencies. There are no monthly fees, though they charge a one-time fee to set up account details and a transparent percentage fee for conversions starting around 0.3 3% to 0.6%.
• Airwallex Business Account - Best for scaling businesses needing heavy automation, high-volume transactions, and software integrations (like Xero or Shopify). It lets you open local accounts in 2 0÷ current major currencies with zero monthly maintenance fees, using low FX markups (0.5% above interbank for major currencies).
• Payoneer Multi-Currency Account - Best if your business relies heavily on receiving payouts from global marketplaces (like Amazon, Upwork, or Shopify). It provides local receiving accounts in major currencies, though conversion fees and markups can run a bit higher (up to 2%) depending on how you withdraw or convert the funds.
• Revolut Business - Best if you also need physical/virtual multi-currency expense cards and robust spend management for a remote team. They offer multi-currency holding and localized accounts with tiered monthly plans ranging from free to higher corporate tiers.

To help narrow down which account fits best, could you share:

• Which currencies you primarily send and receive in?
• Approximate monthly volume of your international transfers?

Several cross-border fintech platforms offer multi-currency business accounts providing local routing numbers, sort codes, or IBANs (such as local ACH/ABA for the US, Faster Payments for the UK, or SEPA for the Eurozone). The top providers for this capability include Wise Business, Airwallex , and Revolut Business , which let you hold multiple currencies and receive funds locally to avoid expensive SWIFT wire fees.

Comparison of Multi-Currency Business Accounts

How Local Account Details Lower Costs

• Bypass Intermediary Fees: Traditional international wires go through the SWIFT network, which ropes in multiple correspondent banks that clip ticket fees and lifting charges . Local routing numbers allow you to receive funds via domestic ACH, SEPA, or Faster Payments.
• Hold and Pay Locally: Instead of forcing continuous conversions, multi-currency accounts let you collect revenue in the native foreign currency and pay overseas suppliers out of that same balance.
• Transparent FX Markups: Fintech solutions typically display the exact mid-market exchange rate or a minor, upfront percentage fee, saving you from hidden bank markups.

If you can share which currencies you collect or send the most and your approximate monthly transfer volume , I can recommend which specific provider will yield the lowest total cost for your workflow.

If you're a U.S. business trying to cut international wire costs, Wise Business, Airwallex, and Revolut Business are the three I'd look at first.

My take

1. Wise Business — best if your main problem is expensive wires.
Wise gives businesses local receiving details rather than making every incoming payment an international wire. For example, its business account can provide a U.S. ABA routing number, UK sort code/account number, and Euro IBAN, while allowing you to hold 40+ currencies.

2. Airwallex — best for a genuinely international operation.
Airwallex's Global Accounts provide local bank details and dedicated account numbers across a large number of markets, and its platform is designed around receiving, holding, converting and paying out multiple currencies. It supports local payment rails in many markets rather than routing everything through SWIFT.

3. Revolut Business — best if you also want corporate cards/team spending.
For U.S. customers, Revolut specifically lists a USD account number, ACH routing number and wire routing number, plus GBP local details. Other currencies may use SWIFT rather than local routing details.

One important distinction: "local routing number" isn't available for every currency. For example, a U.S. account can have an ABA routing number, while EUR normally uses an IBAN and UK payments use a sort code. So I'd choose based on the countries you actually pay and receive money from.

If you tell me (1) your business's country, (2) the currencies/countries you send money to most, and (3) roughly how much you wire per month, I can compare the likely costs of Wise vs. Airwallex vs. Revolut for your specific situation.

To bypass the expensive SWIFT network and hefty intermediary wire fees , several specialized fintech platforms provide multi-currency business accounts equipped with local routing numbers (US routing numbers, UK sort codes, EU IBANs, etc.).

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

• Wise Business : Provides local account details (US routing numbers, UK sort codes, Euro IBANs, Australian BSBs) in over 20 currencies. Known for using the transparent mid-market exchange rate with small, upfront conversion fees. Sign up or explore features on the Wise Business portal.
• Airwallex : Offers dedicated Global Accounts with local bank and branch codes, account numbers, and routing capabilities across major currency zones. Strong focus on multi-currency operations, software integrations, and low-cost local rails with no monthly maintenance fees. Learn more via Airwallex Business Account.
• OFX Global Business Account : Provides a multi-currency platform supporting 2 5+ currencies, giving you local account details for major economic hubs like USD (routing numbers), GBP, EUR, and CAD. They assign a dedicated account manager for larger volume transfers. Check details at OFX Business Account.
• Payoneer : Ideal for international marketplace sellers and freelancers. It provides receiving accounts with local routing details in the US, UK, EU, and Japan, though conversion markups can be slightly higher depending on how funds are withdrawn. Review services on Payoneer Business.
• WorldFirst : Focuses on international B2B transactions, letting you hold and manage multiple currencies with local clearing access (US routing numbers, UK sort codes, Euro IBANs) to avoid standard SWIFT delays. Visit WorldFirst to see supported corridors.

If you can share:

• Your primary currencies (e.g., USD, EUR, GBP)
• Whether you primarily need to receive local payments or pay overseas suppliers

I can help you narrow down which provider offers the lowest overall fee structure for your workflow.

Yes. If your goal is to replace expensive international wires with local bank rails, there are several strong options for a U.S.-based business.

My shortlist

1. Wise Business — probably the first one I'd investigate.
Wise currently advertises local account details including a U.S. routing number/account number, UK sort code/account number, and EUR IBAN, while allowing you to hold 40+ currencies. That means a customer or supplier can often use a domestic payment rail instead of sending you a SWIFT wire.

2. Airwallex — particularly attractive at higher international volume.
Airwallex offers local accounts in 20+ currencies, lets you receive/hold funds in those currencies, and then pay suppliers without necessarily converting the money first. Its U.S. pricing currently advertises FX at 0.5% above interbank for major currencies and 1% for others.

3. Revolut Business — good if you also want corporate cards/expense management.
U.S. businesses get a U.S. local account with ACH and wire routing details, plus a British local account. Revolut supports 25+ currencies. Its current U.S. plans start at $10/month; the Grow plan has a $20,000 monthly no-fee FX allowance, after which a 0.6% fee applies.

One important distinction

If by "local routing numbers" you mean a true domestic account in each country, don't assume every multi-currency account provides that. For example, Revolut's U.S. account provides U.S. and UK local details, but other currencies may use SWIFT details rather than local clearing information.

So if you're primarily receiving USD, EUR and GBP, I'd compare Wise vs. Airwallex first. If you're doing substantial payment volume and need cards, expense controls, accounting integrations, and treasury functionality, Airwallex becomes especially interesting.

If you tell me roughly how much you send internationally per month and which currencies/countries you use (e.g. $50k USD → EUR/GBP), I can compare the likely fees and tell you which would save you the most.