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Best multi-currency cards for global businesses to save more

Last update: May 12, 2025

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Looking for the best multi-currency cards for businesses? Compare top options to save on conversion fees, simplify global payments and manage expenses efficiently.

Key takeaways

Multi-currency cards help businesses save on conversion fees and simplify global payments
Some providers offer zero foreign exchange fees for specific currencies, while others charge a markup
Most cards allow multiple employee cards with custom spending limits for better expense control
Monthly fees, top-up charges and transaction costs vary widely across providers
The right multi-currency card depends on your business’s spending habits, required currencies and budget

Managing international transactions can be costly and complex, with high transaction fees and fluctuating exchange rates.

Multi-currency cards help global businesses – such as retailers, importers and e-commerce sellers – cut costs, simplify payments and manage funds in multiple currencies.

But with so many options available, which one is right for you? This guide compares the best multi-currency cards to help you find the perfect fit for your business needs.

What are multi-currency cards for businesses?

Multi-currency cards are credit or debit cards that help businesses spend, hold and manage funds in multiple currencies. They’re especially useful for businesses that make frequent international transactions, as these cards can significantly reduce the complexities and costs of currency conversion.

Here’s how multi-currency cards usually work:

Holding multiple currencies: Most multi-currency cards are linked to a multi-currency account, allowing businesses to hold balances in different currencies and avoid constant conversions. For instance, if you received funds in USD in your multi-currency account, you can use them to make USD payments through your card without needing to convert the funds in your base currency.

If there aren’t enough funds in the required currency, the account will automatically convert from another balance to complete the transaction.

Topping up balances: You can also load the card in your preferred currency. If it’s different from the spending currency, a conversion fee may apply.

Employee and company cards Usually, multi-currency card providers allow businesses to get multiple cards for company-wise expenses and individual employee expenses, making account reconciliation easier.

Top multi-currency cards for businesses

World Card

The World Card from WorldFirst is a multi-currency debit card that lets you pay in 150+ currencies wherever Mastercard is accepted.

The card is connected to your World Account, a multi-currency account that allows you to pay, receive payments, hold and convert money in over 15 currencies. World Account holders can apply for a World Card for free to streamline their business spending across different teams and departments.

There are no foreign exchange fees when you pay in any of the 15 supported currencies, provided you have enough balance in the relevant currency.

You can apply for multiple World Cards for your team at no extra cost to simplify accounting and tracking. You can also set custom spending limits for every card you get.

Pros of the World Card

Instant access to virtual cards: Create your virtual debit card instantly for free if you have a World Account. Signing up for an account takes just minutes and there are no setup fees
Global payments in 150+ currencies: Make payments across the Mastercard network in 150+ currencies and pay zero foreign exchange fees in 15 when using your existing balances
Expense management: Manage international and domestic business expenses, including travel, SaaS subscriptions, supplier payments and shipping costs with a single card
Integration with Alipay: Link your card with Alipay for in-person payments at shops and restaurants in China
Multiple cards for team members: Issue virtual debit cards to your team and set custom spending limits to control and track all outgoing payments
Direct debit for better control: Spend only the funds available in your account, eliminating overspending and debt risks
Earn cashback on every payment: Get 1% uncapped monthly cashback on all eligible transactions, always (T&C apply)
Competitive transaction fees: Enjoy competitive global transfer rates and save more of what you make
Advanced security with 3D Secure (3DS): Protect online transactions with 3DS authentication, requiring a 6-digit code for verification during checkout

→ Take a look at our complete guide to the World Card and how a World Account can help support your business in growing globally

	WorldFirst
Card issuance fee	Zero for all cards
Annual fee	Zero
Recharge / Top-up fee	Zero
Fees for card transactions	15 major currencies (e.g. USD, GBP, EUR, CNH, AUD): Zero, as long as you have enough balance in that currency Other WorldFirst supported currencies: WorldFirst FX fee applies WorldFirst For unsupported currencies: Mastercard exchange rate + WorldFirst margin of up to 1.5% (for Mastercard’s exchange rates, refer to their currency conversion calculator)
Account opening fee for multi-currency account linked to the card	Zero (15+ currencies)

Wise Business Card

Wise offers debit cards that enable businesses to make payments in 40 currencies across 160 countries [1]. There are no fees to get a Wise card and you can use it anywhere Mastercard is accepted.

There’s an account funding fee of 2%, charged every time you add balance to your cards. You can also apply for multiple debit cards for your team [2].

Wise doesn’t offer cashback.

→ Take a look at our detailed Wise Business account review to learn more about the foreign currency account and the features it offers.

Pros and cons of the Wise Business card

Pros	Cons
Support for physical and virtual cards Supports 40+ currencies [1] Powered by Mastercard	Only one physical card allowed per account [4] Only three virtual cards are allowed at a time. To get a new card, you’ll have to delete and replace an existing card [3] The card is free, but the multi-currency account comes with a one-time account opening fee [2]

Wise Business card fees

	Wise [2]
Card issuance fee	Free
Annual fee	Zero
Recharge / Top-up fee	2% of the top-up amount
Fees for card transactions	If you have available funds in the same currency: Zero If you don’t have sufficient funds in the same currency: Currency conversion fee starting at 0.65%
Account opening fee for multi-currency account linked to the card	AUD 65 (22 currencies)

*Fees as checked in May 2025

Airwallex

The Airwallex Borderless Card, powered by Visa, enables online and in-person purchases globally [4]. It supports over 140 currencies and links to an Airwallex multi-currency account, which is required to apply for the card [5]. While the card itself is free, the account comes with monthly subscription fees.

→ Take a look at our in-depth Airwallex business account review to learn about account features

Pros and cons of the Airwallex borderless card

Pros	Cons
Supports over 140 currencies for seamless global transactions No foreign transaction fees when paying directly from the multi-currency account in 15 supported currencies Ability to issue company and employee cards for streamlined spending	The Airwallex account attached to the card costs AUD 29 to AUD 499 per month [6] The number of free cards you get is limited by your monthly pricing plan Expense management for cards is only available for pricing plans starting at AUD 99 per month [6]

Airwallex business card fees

	Airwallex [6]
Card issuance fee	Zero
Annual fee	Free for the number of cards included in your pricing plan. Additional cards are charged at AUD 15 per user per month
Fee for card transactions	0.5% for USD, HKD, CNY, AUD, EUR, GBP, CAD, SGD, CHF, NZD and JPY; 1% for all other currencies No charges if you have an existing balance in the purchase currency [8] If you don’t have sufficient funds in the spending currency, the transaction will use your home currency instead and a currency conversion fee will apply [8] Foreign transfer fees and currency conversion fees apply
Monthly account fees for multi-currency account linked to the card	Multiple pricing tiers are available: – AUD 29 per month (waived if you deposit at least AUD 5K per month or hold a minimum balance of AUD 10k) – AUD 99 per month – AUD 499 per month

*Fees checked in March 2025

Revolut

Revolut offers multi-currency debit cards supporting 130+ currencies, with the ability to hold balances in 30+ local currency accounts (including GBP, EUR, USD and CHF) [9]. Customers can use virtual cards for online payments and physical cards for in-store purchases.

Pros and cons of the Revolut card

Pros	Cons
Supports 130+ currencies [9] Control spending by category, account, currency or time period Issue up to 200 virtual cards per account [9]	Only the first physical card per team member is free; additional cards incur a one-time fee [10] Revolut monthly pricing plans start at AUD 21, making it a recurring cost for businesses [11]

Revolut business card fees

	Revolut [11]
Card issuance fee	Zero
Annual fee	Free for the number of cards included in your pricing plan. Additional physical cards over the plan limit cost AUD 9.99 per card per month
Recharge / Top-up fee	0.5% for over AUD 2,000 transactions (The threshold amount can be more and it depends on your plan) [14]
Account opening fee for multi-currency account linked to the card	Multiple pricing tiers are available: – AUD 21 per month – AUD 79 per month

*Fees checked in March 2025

OFX

The OFX corporate multi-currency debit card is powered by Visa. Customers can choose between virtual and physical cards. While virtual cards can be issued instantly for employees worldwide, physical cards incur a one-time fee of AUD 10 [13].

The card supports 30+ currencies and there are no foreign transaction fees when you make card purchases in any of the five major currencies supported by the OFX multi-currency account – AUD, USD, GBP, EUR and CAD – as long as you hold sufficient balances [12].

Pros and cons of the OFX business card

Pros	Cons
No foreign exchange fees for five major currencies (when using existing balances Both physical and virtual cards are available Virtual cards are compatible with Apple Pay and Google Pay [13]	Physical cards come with a one-time fee of AUD 10 Charges apply for transactions in currencies outside the five major ones [13] The card only supports transactions in 30 currencies

OFX business card fees [13]

Fees	OFX
Card issuance fee	Zero
Annual fee	Zero
Recharge / Top-up fee	Zero for funding by direct debit, bank transfer, or EFT from a bank account 1.4% for funding with Visa or Mastercard 3.4% for other international cards
Fees for card transactions	Zero, if you have an existing balance in the five supported currencies. For cross-currency transfers, a transaction fee and FX markup apply. Rates can be accessed after logging in or contacting the support team
Account opening fee for multi-currency account linked to the card	Zero for up to three users AUD 15 per user per month if you need account access for more than three users

*Fees checked in March 2025

Choose the best multi-currency card for your global businesses

Choosing the best multi-currency card comes down to how your business spends. Whether you want a card to pay overseas suppliers, handle team expenses or manage costs across multiple markets, you should look for features that match your requirements. Some cards offer fee-free foreign transactions while others can be used to pay in over 100 currencies. Before you decide, weigh up your transaction volume, budget and where you do business.

Looking for a smarter way to manage global expenses? The World Card lets you spend in 15 currencies with zero foreign exchange fees (provided you have enough balance in the relevant currency), issue multiple cards for your team and stay in control through your World Account. Explore how it can simplify your international business today.

Sources:

https://wise.com/au/business/card
https://wise.com/au/pricing/business
https://wise.com/help/articles/1AqrRndtxosydM2GLR3U6T/getting-started-with-your-wise-digital-card
https://www.airwallex.com/au/business-account/cards
https://help.airwallex.com/hc/en-gb/articles/900001755826-What-currencies-are-supported-by-the-Airwallex-Borderless-Card
https://www.airwallex.com/au/pricing
https://www.airwallex.com/us/core-api/issuing
https://help.airwallex.com/hc/en-gb/articles/900003301566-What-is-the-automatic-conversions-for-cards
https://www.revolut.com/en-AU/business/cards/
https://www.revolut.com/en-AU/legal/business-grow-fees/
https://www.revolut.com/en-AU/business/business-account-plans/
https://www.ofx.com/en-au/business/corporate-cards/
https://www.ofx.com/en-au/business/pricing/
https://help.revolut.com/en-AU/help/card-payments-withdrawals/getting-started-with-card-payments/can-i-pay-in-a-specific-currency/

Disclaimer: The information contained is general only and largely our views. Before acting on the information you should consider whether it is appropriate for you, in light of your objectives, financial situation or needs. Although information has been obtained from and is based upon multiple sources the author believes to be reliable, we do not guarantee its accuracy and it may be incomplete or condensed. All opinions, estimates, mentioned products/services and referenced material constitute the author’s own judgement as of the date of the briefing and are subject to change without notice. WorldFirst shall not be responsible for any losses or damages arising from your reliance of such information.

Rick Hill has worked in payments and financial services for the past nine years. He began his career at a large institutional bank and has since worked across startups and scaleups. Over the past four years, his experience with e-commerce retailers has led him to believe that WorldFirst will be crucial in helping brands expand globally by demystifying the complexities of entering new markets.

Rick Hill

Author

Head of Sales ANZ at WorldFirst

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Best multi-currency cards for global businesses to save more

What are multi-currency cards for businesses?