The best international bank accounts for freelancers and remote workers

Priscila Marotti

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Getting paid shouldn’t feel like a puzzle. But for many freelancers and remote workers juggling clients across continents, managing income in multiple currencies can get messy pretty quickly.

I learned this the hard way after chasing down delayed transfers, losing money to currency conversion, and constantly explaining IBAN numbers. That’s when I realised I didn’t just need a better payment method, I needed the right international bank account for freelancers.

Luckily, there are smarter solutions out there. Let’s explore what actually works and why Grey is the top choice if you’re looking for freedom, flexibility, and control over your international income.

Why freelancers need international bank accounts

When you’re working with clients in the US, UK, Germany, or beyond, your local bank probably isn’t cutting it. High fees, long waits, and limited currency support can affect your earnings and peace of mind.

That’s where international bank accounts for freelancers shine. They give you:

  • Multi-currency access (USD, GBP, EUR, and more)
  • Faster global payments
  • Better exchange rates
  • Access to local account details (so your clients can pay you easily)
  • Freedom to work and earn from anywhere

Why freelancers and remote workers love Grey

Unlike traditional banks or generic apps, Grey is built for people who work across borders. The interface is clean, the setup is easy, and everything — from invoicing to withdrawals — just works.

💡 Also read: How to open virtual bank accounts for freelancers outside the USA

Whether you’re working with clients in the U.S., Europe, the UK, or around the world, Grey makes it easy to:

  • Instantly open virtual USD, GBP, and EUR bank accounts
  • Receive international payments from platforms or clients abroad
  • Convert money at competitive exchange rates with no hidden fees
  • Withdraw funds to your local bank account in minutes
  • Connect with a growing freelancer community for tips, resources, and peer support

Grey simplifies international banking for freelancers in Africa and beyond. It’s secure, fast, and designed to make remote work more rewarding.

Other options worth considering

Not every freelancer has the same needs, so here are a couple of other platforms to explore if you’re shopping around.

Wise

Wise is known for transparency and low transfer fees. You can hold multiple currencies and get local bank details in key countries.

Pros: Great rates, user-friendly app

Cons: Not freelancer-focused, fewer local withdrawal options in some regions

Payoneer

Popular among freelancers using platforms like Fiverr or Upwork, Payoneer offers multi-currency accounts and global payments.

Pros: Good for platform-based freelancers

Cons: Complicated fee structure, longer payout times

Revolut

Revolut is a digital banking app that supports multi-currency accounts, global spending, and even cryptocurrency. It’s great for freelancers who travel or spend in different currencies.

Pros: Hold and exchange over 25 currencies

Cons: Some key features are only available in paid plans

N26

Based in Germany, N26 is a full-fledged digital bank with international capabilities. It’s ideal if you live in Europe or hold EU residency, offering IBAN accounts and seamless card usage abroad.

Pros: Smooth user experience and banking features

Cons: Not available globally; mostly for EU residents

What to look for in a freelancer-friendly international bank account?

Choosing the right platform can impact how quickly and easily you get paid. Here are the key features every freelancer should consider:

  • Can I receive payments in my client’s currency?
  • How fast can I access my money?
  • Are the exchange rates and fees transparent?
  • Can I withdraw to my local account easily?
  • Does it support my country or region?

If you’re a freelancer in Africa, Southeast Asia, or Latin America, Grey checks all the boxes — and adds powerful tools to help you work and earn globally.

You may also like: Earning in USD? Here’s how to receive your salary as a remote worker

Take the stress out of getting paid

Managing international income doesn’t have to be complicated. With the right tools, it can feel seamless — even empowering.

Grey gives you more than just an account. With Grey, you get a gateway to globally impactful work with local-level convenience. Whether you’re invoicing in euros, getting paid in dollars, or converting to naira, Grey ensures nothing gets lost in translation.

Open your international bank account today

If you’re ready to stop worrying about payments and focus on your work, it’s time to make the switch.

Join Grey today and get your own international bank account built for freelancers — no paperwork, no stress, just smarter banking.

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