Wise

Wise (formerly TransferWise) offers multi-currency accounts and cross-border transfers. Its main selling point is pricing transparency: exchange happens near the real mid-market rate and fees are stated upfront rather than buried in a marked-up rate.

It lets you hold and convert dozens of currencies, and in some countries provides local receiving details (GBP, EUR, USD accounts among others) — useful for collecting payouts from overseas platforms or paying foreign suppliers.

In practice, opening an account requires identity verification, available features differ by country, and large transfers may trigger additional review. It is a payment provider rather than a bank, so deposit protection works differently.