Global payment accounts for independent professionals
Multi-currency accounts, invoice payments, and global transfers for freelancers, consultants, and independent contractors working internationally.
Local receiving accounts
USD, EUR, GBP accounts to receive without wire fees.
Fast transfers
Receive and convert payments within 1–2 business days.
Debit card
Spend in local currency anywhere Visa/Mastercard is accepted.
Low FX fees
0.33–0.5% FX conversion vs 2–4% at traditional banks.
Freelancers and independent contractors working with international clients need cost-effective ways to receive payments in multiple currencies. Traditional banks charge 2–4% on FX conversion and €15–25 per incoming wire transfer. EMIs like Wise, Revolut, and Payoneer offer local receiving accounts in major currencies (USD, EUR, GBP, AUD) so international clients can pay without wire fees.
Use the matching flow to share your business model, markets and required capabilities. Finzil will surface relevant directory options and the signals behind them.
Wise Business is the most popular choice for freelancers due to its local receiving accounts in 10+ currencies and 0.33% FX fee. Payoneer is the best option for Upwork/Fiverr withdrawals. Revolut Business offers a good all-in-one solution with a debit card.
For occasional freelance income, a personal account may suffice. For regular business income, a business account is recommended for tax purposes and professionalism. Many EMIs offer business accounts with no monthly fee (Wise, Revolut).
Create invoices in your client's currency and provide your local receiving account details (e.g., US routing number and account number for USD payments). Wise and Payoneer both provide local US bank details for receiving USD payments without international wire fees.