Roundup
The best business bank accounts for paying suppliers and contractors abroad
Most business accounts send money abroad by international wire: correspondent banks, a fee at each end and days in transit. A few now pay over the recipient's own domestic rail, or in stablecoins. Here is how Anytime Capital, Ramp, Brex, Mercury and Slash compare on getting money to someone in another country.
- Anytime Capital
- Ramp
- Brex
- Mercury
- Slash
Updated October 2026. Figures from each company's published fees, terms and filings, and the public sources named on this page.
Which business account is best for international payments?
One that pays over local rails rather than only wires. Anytime Capital pays suppliers in 71+ countries over their domestic rail (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), with SWIFT for the rest and same-day USDC and USDT transfers, and shows the fee and rate before you send. Ramp sends free international wires on Ramp Banking to 185+ countries; Brex charges no wire fee but sets its own exchange rate; Mercury charges 1% FX on non-USD wires; Slash charges $25 per international wire.
How we judged them
How the money travels
A local rail lands in the recipient's own currency, often in seconds; a wire passes through correspondent banks.
Fees and exchange
The transfer fee, the FX margin and the recipient bank's fee to receive a wire, together.
Speed
Seconds, the same day, or one to nine business days.
A stablecoin option
For contractors who prefer USDC or USDT, or corridors where banks are slow.
Paying abroad, account by account
| Provider | How money arrives | Fees and FX | Speed | Stablecoin option |
|---|---|---|---|---|
| Local rails in 71+ countries, plus SWIFT | Shown before you send; published on Fees and limits | Instant on SEPA Instant, Faster Payments, PIX, SPEI, UPI and PayNow; minutes to same day elsewhere | Same-day USDC and USDT transfers |
| International wires to 185+ countries | Free on Ramp Banking; $20 SWIFT USD bill pay from an outside bank | Wire timing; varies by corridor | Stablecoin Accounts: USDC and USDT |
| International wires to 100+ countries | No Brex wire fee; Brex sets the FX rate; card FX up to 3% | Wire timing; varies by corridor | USDC payments announced; not confirmed live |
| International wires in USD and 40+ currencies | USD wires free; 1% FX on non-USD wires; 3% on non-USD card spend | 1–3 business days for non-USD wires | None |
| International wires to 180+ countries | $25 per international wire; card FX 1% (another page says 2%) | 2–9 business days | USDC and USDT ramps; Global USD account |
From each company's published pricing and support pages as of October 2026. Where a company's own pages disagree, the cell says so.
The picks
1. Best for paying suppliers in their own currency on local rails
Anytime CapitalLocal rails in 71+ countries (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), SWIFT for most other countries and same-day USDC and USDT transfers, from the same balance card sales land in. Every payout shows its fee and exchange rate before you confirm it, and the schedule is published on Fees and limits.
See global payouts2. Best for free international wires on Ramp Banking
RampRamp says it pays to 185+ countries with free international wires on Ramp Banking (a partner page says 195), and charges $20 for SWIFT USD bill payments funded from an outside bank. Stablecoin Accounts add USDC and USDT. It needs $25,000 in a business bank account to start.
Ramp international payments, compared3. Best for fee-free wires to 100+ countries
BrexBrex charges no fee of its own on international wires and sends them to 100+ countries, setting the exchange rate on non-USD wires itself. Card spend that needs conversion carries up to 3%.
Brex international payments, compared4. Best for USD wires abroad at no fee
MercuryUSD international wires are free (with an optional $15 to cover intermediary fees). Non-USD wires carry a 1% FX fee across 40+ currencies and take one to three business days; non-USD card transactions carry 3%. No stablecoins.
Mercury international payments, compared5. Best for a stablecoin dollar account for non-US teams
SlashInternational wires cost $25 on both plans, reach 180+ countries and take two to nine business days. Card FX is 1% (40¢ minimum) on Slash's pricing page, though another Slash page says 2%. USDC and USDT ramps and a Global USD account suit teams outside the US.
Slash international payments, compared
Wires versus local rails
A wire travels through correspondent banks, each of which can take time and a fee, and the recipient's bank often charges to receive it. A local rail is the domestic system the recipient's bank already uses: SEPA Instant in the euro area, Faster Payments in the UK, PIX in Brazil, SPEI in Mexico, UPI in India and PayNow in Singapore.
Paid that way, a supplier in Stuttgart, Guadalajara or Kochi gets euros, pesos or rupees in their own account, often in seconds, with no receiving fee.
What FX actually costs
A 1% FX fee on a $10,000 supplier payment is $100; 3% on the same amount spent by card abroad is $300. A wire with no transfer fee can still cost more than one with a fee if its exchange rate is wider. Compare the amount the recipient receives, not the fee line.
Stablecoins for contractors
Many contractors abroad now ask to be paid in USDC or USDT: it arrives the same day, weekends included, and they convert locally. A business account that sends stablecoins from the same balance as its dollars saves an exchange login and a transfer.
Payouts in local currency
71 countries. 38 currencies. One bank account.
Pay suppliers, contractors and your own teams abroad over the rail their bank already uses, from the same balance your sales land in.
- countries on local rails
- 71countries on local rails
- currencies
- 38currencies
- countries with instant rails
- 36countries with instant rails
Europe33 countries
AustriaEURInstant
BelgiumEURInstant
BulgariaEURInstant
CroatiaEURInstant
CyprusEURInstant
CzechiaEURInstant
DenmarkEUR · DKKInstant
EstoniaEURInstant
FinlandEURInstant
FranceEURInstant
GermanyEURInstant
GreeceEURInstant
HungaryEURInstant
IcelandEURInstant
IrelandEURInstant
ItalyEURInstant
LatviaEURInstant
LiechtensteinEURInstant
LithuaniaEURInstant
LuxembourgEURInstant
MaltaEURInstant
NetherlandsEURInstant
NorwayEURInstant
PolandEURInstant
PortugalEURInstant
RomaniaEURInstant
SlovakiaEURInstant
SloveniaEURInstant
SpainEURInstant
SwedenEURInstant
SwitzerlandEURInstant
TürkiyeTRYBank transfer
United KingdomGBPInstant
Americas8 countries
BrazilBRLInstant
CanadaCADBank transfer
ColombiaCOPBank transfer
El SalvadorUSDBank transfer
GuatemalaGTQBank transfer
HaitiHTGMobile money
JamaicaJMDBank transfer
MexicoMXNInstant
Asia-Pacific11 countries
BangladeshBDTBank transfer
ChinaCNYBank transfer
Hong Kong SAR ChinaHKDBank transfer
IndiaINRInstant
IndonesiaIDRBank transfer
MalaysiaMYRBank transfer
PakistanPKRBank transfer
PhilippinesPHPBank transfer
SingaporeSGDInstant
ThailandTHBBank transfer
VietnamVNDBank transfer
Middle East & Africa19 countries
BeninXOFMobile money
BotswanaBWPMobile money
CameroonXAFMobile money
Congo - BrazzavilleXAFMobile money
Côte d’IvoireXOFMobile money
EgyptEGPBank transfer
GhanaGHSBank transfer
IsraelILSBank transfer
KenyaKESMobile money
MalawiMWKMobile money
NigeriaNGNBank transfer
RwandaRWFMobile money
SenegalXOFMobile money
South AfricaZARBank transfer
TanzaniaTZSMobile money
TogoXOFMobile money
UgandaUGXMobile money
United Arab EmiratesAEDBank transfer
ZambiaZMWMobile money
SEPA countries are paid in euros over SEPA and SEPA Instant. SWIFT reaches most other countries. Speeds are the fastest rail each corridor offers; timing depends on the receiving bank.
One platform
Everything a business banks on, in one account
A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.
Operating accountAvailable
$482,310.55
- Account
- •••• 4821
- Routing
- •••• 0371
- Receive by
- ACH · Wire · RTP · FedNow
Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000Sending
Receive by ACH, wire, RTP and FedNow in your business's own name
Pay suppliers and contractors in 71 countries over the rail their bank already uses
SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else
Card sales land in the same balance the minute they settle
Save and earn more
Keep more of every sale, and get it the same minute
Lower card rates than Stripe, no fee to be paid instantly, and suppliers paid on local rails instead of international wires.
$50,000
- Paddle5% + 50¢Merchant of record, includes sales tax handling$2,794
- Lemon Squeezy · US one-time card sales5% + 50¢Merchant of record, includes sales tax handling$2,794
- PayPal · PayPal Checkout3.49% + 49¢$2,033
- Square · Free plan3.3% + 30¢$1,826
- Wave · Visa, Mastercard, Discover2.9% + 60¢$1,803
- Stripe2.9% + 30¢$1,626
- Shopify Payments · Basic plan2.9% + 30¢$1,626
- Authorize.net · All-in-One plan2.9% + 30¢$1,626
- Braintree2.89% + 29¢$1,616
- Chase Payment Solutions · E-commerce gateway2.9% + 25¢$1,597
- Anytime Capital2.75% + 30¢$1,551
- QuickBooks Payments · Invoices and online2.99%$1,495
Saved per year
up to $5,781
vs the highest processor rate above
Published standard US online card rates as of October 2026, rate on volume plus the fixed fee per payment. Excludes international, currency-conversion, dispute and instant-payout fees and any plan subscriptions, which vary by provider.
- 0.15 ptsUnder Stripe on every card payment2.75% + 30¢ against Stripe's published 2.9% + 30¢, with no monthly, setup or PCI fee.
- 2.5%For your first 90 daysNew businesses pay 2.5% + 30¢ for 90 days, then 2.75% + 30¢.
- 0%To get your money instantlySales settle into your Anytime Capital bank account, nights and weekends included. Stripe charges 1.5% of each Instant Payout.
- 71Countries paid on local railsPay suppliers in their own currency over SEPA Instant, PIX, SPEI, UPI and more, instead of an international wire.
Other processors' rates are their published US online card rates as of October 2026, before international, currency-conversion, dispute and plan fees.
Branches
Bank from your phone, or walk into a branch
Real people at real counters in Atlanta, Miami and Houston, for account opening, cash, larger crypto orders and anything you would rather sort out face to face.
OpenAtlanta2549 Piedmont Rd NE, Suite 110, Atlanta, GA 30324Mon–Fri 10–5 · Sat 10–2(470) 748-2530.jpg&w=3840&q=75)
OpenMiami2 Biscayne Blvd, Floor 32, Miami, FL 33131Mon–Fri 10–5 · Sat 10–2(470) 748-2530
OpenHoustonThe Plaza at Audley, 3120 Southwest Fwy, Suite 100-3, Houston, TX 77098Mon–Fri 10–5 · Sat 10–2(713) 987-8815
Launch offer
Pay suppliers in their own currency
Local rails in 71+ countries, SWIFT and same-day stablecoin transfers from a business account that also takes card payments, issues employee cards and holds crypto.
- 2.75% + 30¢ online, 2.5% + 30¢ for 90 days
- No monthly, setup or PCI fees
- Payouts to your bank, instant where eligible
- Live US business team
Questions
Best business accounts for international payments: FAQ
Every business banking platform comparison
Where to go next
Other roundups
Important Disclosures
- Information about Mercury, Brex, Ramp and Slash is drawn from their published pricing, support and legal pages, press announcements and regulatory filings as of October 2026. Features and prices change; check each company's current terms.
- Anytime Capital and the companies named are independent. This page is not endorsed by or affiliated with any of them. Third-party names and trademarks belong to their owners and are used only to identify the companies compared.
- This comparison is for information only and is not financial, tax or legal advice.
- Cryptocurrency and stablecoin balances are not FDIC insured, are not bank deposits and can lose value.
- Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.