Simplify Payables & Receivables with Multi-Currency Accounts

One account to receive, hold, convert, and pay. Ultra-fast. No hidden fees. Zero hassle.

Join 60+ regional banks and thousands of companies who rely on Nium's infrastructure to move billions of dollars globally

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USE CASES

Global Accounts That Unlock Business Growth and Streamline Cash Management

Add Funds
Embed seamless multi-currency accounts for instant top-ups via local rails/SWIFT with automated reconciliation and compliant controls - so you can hold, convert, and pay out globally from one account.
Pay Globally
Take control of global finances with access to 100+ currencies. Send payments directly from your balances or convert instantly to enable fast, reliable cross-border transactions 24/7.
NEW
Get Paid
Banks can get payments on behalf of their customers via local accounts. Issue local account details and accept invoice payments for instant reconciliation and faster settlement in one unified multi-currency account.
Global cross-border payment accounts dashboard

Get Paid Faster with Local and Global Multi-Currency Accounts

Say goodbye to costly conversion fees, tracking wires, unpredictable settlement timelines, and reconciling receivables manually.

  • Issue multiple unique account numbers - in your customer's name - to get paid.

  • Let customers pay you from anywhere using their local bank, and receive payments real-time in your multi-currency account.

  • Cut receipt costs using local rails and settle the funds on your terms.

Global cross-border payment accounts dashboard

Manage Your Accounts and Balances Using Smart Tools and Rich Data

Collect and remit payments and manage accounts more efficiently with automated reconciliation, up-to-the-minute reporting, and transparent data.

  • See everything in one place - real-time balances by currency, bank account information, payment tracking at customer and/or invoice level.

  • Automate Treasury Ops with programmatic controls, scheduled FX, and audit trails.

  • Get automated credit alerts, real-time transaction insights, and customizable reports - all via the Nium API or Nium Portal.

Everything you need to move money globally

Send, receive, and convert funds worldwide from a single platform built to scale.

Multi-currency accounts

Simplify global funding and manage cross-border money movements without friction.

Explore accounts
Multi-currency account flags showing global payment support

Global payouts

Deliver funds to bank accounts, cards, or wallets across 190+ countries, in real-time, from a single platform.

Explore payouts
Global payouts dashboard showing real-time fund delivery

Stablecoin-backed cards

New!

Stablecoin card issuance platform gives any business a simple, compliant way to launch global card programs.

Issue stablecoin-backed cards

Nium Verify

Verify bank accounts instantly across 50+ countries. Reduce failed payments and manual checks with built-in account validation.

Explore account verification

Global card issuing

Launch physical and virtual cards with flexible controls for you and your partners.

Explore card issuing

Foreign exchange

Access competitive rates and move funds instantly—without hidden markups or intermediaries.

Explore FX

Built for your business model

Whether you’re a bank, platform, marketplace, or payroll provider, Nium helps you scale, expand globally, and deliver seamless payment experiences.

Financial Institutions

Banks

Move money globally in near real time. From our direct bank relationships help you settle instantly, and speed up transfers.

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Bank payout interface showing real-time global transfers

Transfer money globally

Expand your operations seamlessly with payment access to 100+ countries.

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Platforms & Enterprises

Payroll

Pay your team your way, with competitive FX, real-time payments and direct rebates.

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Marketplaces

Grow faster with custom, global payment solutions.

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Spend management

Take control of corporate purchases and simplify payments to suppliers.

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Creator economy

Pay content creators anywhere, instantly, with local payouts to 190+ countries.

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Travel

Online travel agencies

Maximize efficiency and profitability with optimized payments and funding.

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Airlines

Streamline operations and lower cost with closed-loop payment solutions.

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Hotels

Streamline supplier payments with virtual cards.

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Ready to Learn More About Multi-Currency Accounts?

Connect with our experts to explore use cases based on your industry, discuss customized pricing, and answer any questions you have.