Which Payment Platforms Offer Multi-Currency Accounts for Freelancers?
May 28, 2025

In today’s borderless economy, freelancers are no longer limited by geography. Clients can be in New York while you work from Nairobi, or you might be building websites for companies in Berlin from your couch in Manila. But there’s one major hiccup that can mess up this global dream: getting paid.
Specifically, getting paid in multiple currencies without getting slammed by conversion fees, delays, or blocked accounts.
That’s where multi-currency accounts come in. If you’re a freelancer aiming to manage USD, EUR, or GBP smoothly, this post breaks down your best options—including why Hurupay is quickly becoming the go-to solution in 2025.
Why Freelancers Need Multi-Currency Accounts
Let’s be real. Working globally and earning in multiple currencies sounds cool until you see how much gets eaten up by:
Sketchy exchange rates
3-5 day wait times
Surprise transaction fees
Conversion delays during withdrawals
A multi-currency account solves that. It lets you receive and hold different currencies like USD, EUR, or GBP—so you only convert when it makes sense. That means you keep more of your earnings.
What Makes a Multi-Currency Platform Freelancer-Friendly?
Before we dive into the top platforms, here’s what really matters for freelancers:
Supports multiple currencies (at least USD, EUR, GBP)
No need for U.S. residency or SSN
Low, transparent fees
Fast settlement and withdrawals
Crypto and mobile money options
Works in emerging markets
Secure and easy to use
Payment Platforms Offer Multi-Currency Accounts for Freelancers
As freelancing becomes more global, the need for payment platforms that understand the realities of cross-border work has never been greater. Whether it's dealing with slow settlements, unreasonable fees, or rigid currency conversion policies, freelancers need solutions tailored to their financial realities. Below are the top platforms helping remote professionals navigate international payments with ease.
1. Hurupay – The Most Flexible Platform for Global Freelancers
Currencies Supported: USD, EUR, GBP
Best For: Freelancers in Africa, Asia, and Latin America
Fee: 1% on ACH, no monthly fees
Why It’s Winning: Same-day USD settlements + stablecoin conversion
Hurupay hits almost every freelancer pain point:
Free virtual USD, EUR, and GBP accounts with no residency required
Instant settlements and auto-conversion to USDC/USDT
Withdraw to local banks, mobile money, or crypto exchanges
Works with Upwork, Fiverr, Deel, PayPal, Stripe
“Hurupay saved me from PayPal freezes and expensive wire fees. I now get paid the same day and can withdraw in Naira instantly.” – Sola Adewale, Graphic Designer, Nigeria
Add the fact that Hurupay uses blockchain security and supports over 50 countries, and you’ve got a borderless money machine built for freelancers.
2. Wise (Formerly TransferWise)
Currencies Supported: 50+
Best For: Freelancers in Europe and supported regions
Fee: 0.4% to 2%, based on country and currency
Wise has built a solid name on transparency and real exchange rates. You can receive, hold, and convert multiple currencies with ease.
Why freelancers like it:
Easy UI and mobile app
Hold multiple balances in one account
Great for frequent currency swaps
Why they don’t:
Limited payout options outside Europe
No crypto or mobile money integration
3. Payoneer – Strong for Marketplace Integrations
Currencies Supported: USD, EUR, GBP
Best For: Freelancers on Fiverr, Upwork, Amazon
Fee: 1% to 3%
Payoneer gives you access to local receiving accounts and a Mastercard for spending. It’s well-integrated with many gig platforms.
Pros:
Easy to connect to marketplaces
Decent for receiving platform earnings
Cons:
Not great for personal use
High withdrawal fees
No crypto withdrawal option
4. Grey Finance – Mobile-First Banking Alternative
Currencies Supported: USD, EUR, GBP
Best For: Freelancers in Africa
Grey is a mobile wallet offering international receiving accounts. You can convert and withdraw locally.
Perks:
Sleek mobile interface
Currency conversion inside the app
Drawbacks:
Slower withdrawal times
Lacks crypto and stablecoin support
5. Revolut – All-in-One App for UK/EU Users
Currencies Supported: 30+
Best For: Freelancers in the UK and Europe
Revolut acts more like a digital bank. You can receive money, hold it in various currencies, and manage budgeting all in one app.
Great for:
EU freelancers wanting multi-purpose features
Domestic and European transfers
Not great for:
Users outside the EU
Freelancers needing crypto support
Hurupay vs. the Rest: A Quick Comparison
Platform | Currencies | Settlement Speed | Crypto Support | Global Access | Fees |
Hurupay | USD, EUR, GBP | Same-day | Yes | 50+ countries | 1% only |
Wise | 50+ | 1-2 days | No | Limited | 0.4%-2% |
Payoneer | USD, EUR, GBP | 1-3 days | No | Moderate | 1%-3% |
Grey | USD, EUR, GBP | 1-2 days | No | Africa-focused | Moderate |
Revolut | 30+ | 1-2 days | No | EU/UK only | Low |
Final Thoughts: Choose Smart, Get Paid Smarter
If you’re serious about growing your freelance career, don’t let outdated payment systems hold you back. With the right multi-currency platform, you can earn globally, spend wisely, and keep more of your income.
Among the options, Hurupay stands out as the most flexible, affordable, and globally available choice for freelancers in 2025.
Only 1% fee
Instant USD-to-stablecoin settlement
No monthly charges
Works with top freelance platforms
Ready to stop stressing over payments and start scaling your freelance business?
👉 Open a free Hurupay account today and receive USD, EUR, or GBP like a local—no matter where you live.