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Banking for freelancers who earn across borders
Multi-currency accounts, real exchange rates, and instant payments — how borderless workers can stop losing money to their bank.
If you invoice clients in different countries, your bank is probably quietly taking a cut on every payment. Here's how to keep more of what you earn.
The hidden cost of "free" transfers
Many banks advertise free international transfers, then apply an exchange-rate markup of 2–4%. On a €3,000 invoice paid in USD, that's up to €120 lost — on a single payment. Over a year, it adds up to a meaningful share of your income.
What borderless banking should look like
- A real EUR IBAN to get paid like a local across SEPA.
- Multi-currency balances so you can hold EUR, USD, GBP, and CHF and convert when the rate suits you.
- Conversion at the real exchange rate, with a transparent fee instead of a hidden markup.
- Instant payouts so you can move money the moment it lands.
A simple workflow for freelancers
- Share your EUR IBAN — or your
@handle— on invoices. - Receive payments directly, in seconds for SEPA Instant.
- Hold foreign currency until you actually need to convert.
- Convert at the real rate, then spend with your Mastercard anywhere.
Tip: claim a short, memorable
@handleso repeat clients can pay you without copying an IBAN every time.
Spend less on fees, keep more of your work. Open your free account.