Wells Fargo EUR bank account review & alternatives
Wells Fargo does not market euro (EUR) accounts for individual customers. If you have a Wells Fargo personal USD account you can access some international services, like wire payments and ways to get travel cash. However, there’s no Wells Fargo euro account for day to day use.
If you want an account to hold, send, receive, spend or exchange EUR and other currencies, you may need an alternative. This guide walks through some great Wells Fargo alternatives including Wise, Revolut and HSBC, plus some business services offering EUR support.
Quick summary: Alternatives to Wells Fargo EUR account in the US
Wells Fargo can’t help you with a euro account for personal or small business use. There are Wells Fargo corporate treasury services which support foreign currency accounts – but these are aimed at very large international businesses only.
If you’re looking for a flexible euro account in the US you do still have options. This guide covers several top choices – here’s a quick side by side overview to start us off.
| Providers | 🌎 Supported currencies | 💰 Account and card fees | 💡 Limits to know |
|---|---|---|---|
| Wise (personal and business) | 40+ supported currencies for holding and exchange | One time fee to open business account No ongoing account fees One time card order fee* | High payment limits, usually around 1 million GBP (1.35 million USD) Card spend and withdrawal monthly limits apply |
| Revolut (personal and business) | 25+ supported currencies for holding and exchange | 0 USD – 16.99 USD monthly fee for personal customers 10 USD – 140 USD monthly fee for personal customers | Withdrawal limits from 550 USD/day, depending on account status Monthly card spend limits apply |
| HSBC (personal) | 8 supported currencies for holding and exchange | No ongoing fee for this account – fees may apply to your underlying checking account | Variable limits which are available in app Account does not offer a debit card |
| Airwallex (business) | 20+ supported currencies for holding and exchange | 0 USD – 99 USD monthly fee depending on account type | Usually no holding limit Variable limits on transfers, which are available in app |
| Payoneer (business) | 9 supported currencies for holding and exchange | No ongoing fees | Set your own daily and monthly card limits Variable limits on transfers, which are available in app |
*Details correct at time of research – 3rd October 2025. *About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information.
About Wells Fargo EUR account
Wells Fargo does not offer a euro account for personal customers, or for small businesses. There is a Wells Fargo global treasury service which has multi-currency accounts including EUR, but this is reserved for very large businesses.
Is Wells Fargo EUR account available in the US?
Unless you’re looking for a euro account for a large institution, you probably can not open a Wells Fargo EUR account in the US.
Wells Fargo EUR currency account alternatives
To help you compare your options we’ve selected some Wells Fargo EUR currency account alternatives.
We’ve looked at multi-currency accounts for personal and business use from specialists Wise and Revolut, as well as HSBC’s Global Money Account as a bank option for individual customers. If you’re looking for a EUR account for a small business, we’ve also included Airwallex and Payoneer which have specialist business accounts which can be handy for ecommerce in particular.
Here’s a comparison of all our account options on key services – and there’s lots more detail on each coming right up.
| 🌍Eligibility | 💰 Account fees | 💱 Exchange rates | 🎯 Account limits | |
|---|---|---|---|---|
| Wise (personal and business) | Residents of the US and many other countries – accounts for personal and business use | One time fee to open business account No ongoing account fees* | Mid-market rate | High payment limits, usually around 1 million GBP (1.35 million USD) Card spend and withdrawal monthly limits apply |
| Revolut (personal and business) | Residents of the US and many other countries – accounts for personal and business use | 0 USD – 16.99 USD monthly fee for personal customers 10 USD – 140 USD monthly fee for personal customers | Revolut rate to plan limit – fair usage fees may then apply | Withdrawal limits from 550 USD/day, depending on account status Monthly card spend limits apply |
| HSBC (personal) | US residents with an HSBC Premier checking, Savings, or Relationship Savings account | No ongoing fee for this account – fees may apply to your underlying checking account | HSBC exchange rate which may include a markup | Variable limits which are available in app Account does not offer a debit card |
| Airwallex (business) | Owners of eligible US registered businesses | 0 USD – 99 USD monthly fee depending on account type | 0.5% or 1% currency conversion fee applies, depending on currency | Usually no holding limit Variable limits on transfers, which are available in app |
| Payoneer (business) | Owners of eligible US registered businesses | No ongoing fees | 0.5% currency conversion fee applies | Set your own daily and monthly card limits Variable limits on transfers, which are available in app |
*Details correct at time of research – 3rd October 2025. *About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information
Wise EUR Account
| 💡 Great for: Personal and business customers looking for no ongoing fees, mid-market rates and 40+ supported currencies |
Wise offers services for both personal and business customers in the US, with accounts that hold EUR, USD and 40+ other currencies. Accounts come with the option of a linked physical and virtual debit card – the Wise Multi-Currency Card – for spending and withdrawals, making this a good choice for day to day and travel use.
Wise offers local account details to get paid in 8+ currencies, and SWIFT details to get paid in 20+ currencies. This means you can receive payments conveniently to your account. You can also send money to 140+ countries globally, with low fees and fast delivery times.
- Hold and exchange 40+ currencies including USD and EUR
- Order a linked debit card for spending and withdrawals
- Get the mid-market rate with low fees when you convert currencies
- Personal and business accounts available
| Wise is great for: | Wise may not be for you if: |
|---|---|
| ✅ Travelers and people sending payments overseas ✅ Mid-market rate currency exchange ✅ Card spending and withdrawals at home and abroad ✅ Ways to send and receive overseas payments conveniently | ❌ You prefer a branch experience ❌ You need to deposit cash |
Wise fees and limits
| Features | 💡 Wise pricing and limits to know: |
|---|---|
| Account fees | Personal accounts are free to open. One time fee to open business account No ongoing account fees* |
| Currency conversion | Mid-market rate |
| Supported currencies | 40+ supported currencies for holding and exchange |
| Sending international transfers | Send to 140+ countries, with mid-market rates and low fees |
| Receiving international payments | Receive 20+ currencies with account details |
| Limits | High payment limits, usually around 1 million GBP (1.35 million USD) Card spend and withdrawal monthly limits apply |
| Linked debit cards | One time card order fee applies |
| Is Wise regulated in the US? | Wise is registered and regulated as a money transmitter in many US states, and in others offers services through Community Federal Savings Bank |
*Details correct at time of research – 3rd October 2025. *About Wise pricing: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up to date pricing and fee information
🇪🇺 More information: How to open a euro account with Wise
Revolut EUR Account
| 💡 Great for: Choice of different account tiers for personal or business use, supporting EUR and 25+ other currencies |
Revolut offers a choice of different account tiers, including a personal account which has no monthly fee to pay.
This allows you to choose a more basic account with no ongoing costs, or trade up to an account with monthly fees which offers additional features and higher levels of no fee transactions monthly before any fair usage fees begin.
All accounts offer linked debit cards, and ways to hold 25+ currencies. You can also receive other currencies to your account and send global payments easily.
- Choose different account tiers depending on how you’ll use your account
- All accounts offer a debit card and some no fee transactions monthly
- Receive payments in USD and GBP with local information, and other currencies using SWIFT
- Personal and business services available
| Revolut is great for: | Revolut may not be for you if: |
|---|---|
| ✅ Choosing different account types depending on usage ✅ 25+ supported currencies for receiving, holding and exchange ✅ No fee transactions to plan limit every month ✅ Comprehensive business account options | ❌ You need to transact more frequently and incur fair usage fees ❌ You want a business account with no ongoing fees |
Revolut fees and limits
| Features | 💡 Revolut pricing and limits to know: |
|---|---|
| Account fees | 0 USD – 16.99 USD monthly fee for personal customers 10 USD – 140 USD monthly fee for personal customers |
| Currency conversion | Revolut rate to plan limit – fair usage fees may then apply |
| Supported currencies | Hold and exchange 25+ currencies |
| Sending international transfers | Send to many countries globally with variable fees |
| Receiving international payments | Receive with local details in USD and GBP, or SWIFT details in 25 currencies. No Revolut fees apply, but third party costs may be deducted |
| Limits | Withdrawal limits from 550 USD/day, depending on account status Monthly card spend limits apply |
| Linked debit cards | All accounts offer a linked debit card, but the features of your card depend on the account type |
| Is Revolut regulated in the US? | Revolut is registered in the US and offers services through different partners, depending on the specific service in question |
*Details correct at time of research – 3rd October 2025.
HSBC EUR Account
| 💡 Great for: HSBC US customers who need a way to hold and send foreign currency payments in EUR and 7 other currencies |
HSBC US offers a Global Money Account for customers who have Premier status. This is an app based account which can hold 8 currencies, intended for people who need to hold a foreign currency balance for making payments. The account does not offer a debit card, making this less suited to travel use.
To apply for this account you must already have Premier status with HSBC which requires you to meet certain eligibility criteria. You may need to deposit 5,000 USD monthly, or have a balance of 100,000 USD or more with HSBC investments and deposits for example.
- No ongoing fees for the Global Money Account
- Ways to send global payments to HSBC and other banks
- Supports 8 currencies for holding and exchange
- Large bank with a full suite of banking services
| HSBC is great for: | HSBC may not be for you if: |
|---|---|
| ✅ Existing HSBC Premier customers ✅ Storing EUR and other currencies for future payments ✅ Managing your foreign currency in app ✅ Add on services like global payments | ❌ You don’t hold HSBC Premier status ❌ You want an international debit card |
HSBC fees and limits
| Features | 💡 HSBC pricing and limits to know: |
|---|---|
| Account fees | You must meet eligibility criteria which can include holding a 100,000 USD minimum deposit No ongoing fee for this account – fees may apply to your underlying checking account |
| Currency conversion | HSBC exchange rate which may include a markup |
| Supported currencies | 8 currencies supported |
| Sending international transfers | Send to other HSBC accounts, and to external bank accounts in 200 countries |
| Receiving international payments | Receive deposits from your linked HSBC accounts only |
| Limits | Variable limits which are available in app |
| Linked debit cards | Account does not offer a debit card |
| Is HSBC regulated in the US? | Yes, HSBC is a large and globally regulated business |
*Details correct at time of research – 3rd October 2025.
While some providers like Wise and Revolut offer euro accounts for both personal and business customers, others such as Airwallex and Payoneer offer their accounts for business customers only. Here is an overview of their euro business accounts in the US:
Airwallex EUR Account
| 💡 Great for: Business account ideal for ecommerce companies, with multi-currency support and ways to take customer card payments |
Airwallex is a popular provider of business accounts and services, including corporate cards and payments. While Airwallex can be useful to many different types of business, it’s especially popular with businesses trading online as you can take customer card payments, or receive bank payments in 20+ currencies. This offers great flexibility for connecting with global customers.
There are 3 different Airwallex plans which you can choose from, including one with no ongoing fees allowing you to test the services with relatively low risk.
- 20+ supported currencies for receiving, holding and exchange
- Options to take customer card payments easily
- Unlimited corporate cards available
- Different plans for businesses of varying sizes
| Airwallex is great for: | Airwallex may not be for you if: |
|---|---|
| ✅ eCommerce businesses taking global card payments ✅ Freelancers thorough to established business owners ✅ Corporate cards which offer rebates on USD business spending ✅ Free local transfers to 120+ countries | ❌ You need personal account services ❌ Your business needs to deposit cash |
Airwallex fees and limits
| Features | 💡 Airwallex pricing and limits to know: |
|---|---|
| Account fees | 0 USD – 99 USD monthly fee depending on account type |
| Currency conversion | 0.5% or 1% currency conversion fee applies, depending on currency |
| Supported currencies | 20+ supported currencies for holding and exchange |
| Sending international transfers | Free local payments to 120+ countries, options to send SWIFT transfers for 15 USD – 25 USD |
| Receiving international payments | Receive in 20+ currencies with local details, and no Airwallex fee |
| Limits | Usually no holding limit Variable limits on transfers, which are available in app |
| Linked debit cards | Unlimited free debit cards available |
| Is Airwallex regulated in the US? | Licensed to do business in most states – in some places and product areas, Airwallex offers services through partnerships with other banks and providers |
*Details correct at time of research – 3rd October 2025.
Payoneer EUR Account
| 💡 Great for: Broad business services for freelancers and larger companies, supporting 9 currencies with extras like loans and working capital |
Payoneer offers services for freelancers through to more established businesses who need workforce management, loans and other advanced support. All accounts can be used to receive, hold and exchange 9 major currencies, and you can get paid through marketplaces like Amazon, and platforms like Stripe, easily.
There’s no ongoing fee with Payoneer, and you can pick and choose the services you need to pay as you go.
- 9 supported currencies for receiving, holding and exchange
- Take payments online and through marketplace and payment platforms
- No ongoing account fees
- Working capital and loans offered
| Payoneer is great for: | Payoneer may not be for you if: |
|---|---|
| ✅ Online businesses and freelancers ✅ Taking a variety of customer payments online and through third parties ✅ Extras like loans and working capital ✅ Send payments to suppliers and for tax, in many countries globally | ❌ You need a personal account ❌ You need to take in person payments |
Payoneer fees and limits
| Features | 💡 Payoneer pricing and limits to know: |
|---|---|
| Account fees | No ongoing fees |
| Currency conversion | 0.5% currency conversion fee applies |
| Supported currencies | 9 supported currencies for holding and exchange |
| Sending international transfers | Fees vary depending on the payment type and currency |
| Receiving international payments | Receive in 9 currencies with local details, often with no Payoneer fee |
| Limits | Set your own daily and monthly card limits Variable limits on transfers, which are available in app |
| Linked debit cards | 29.95 USD fee for first card, annually |
| Is Payoneer regulated in the US? | Yes. Payoneer is a licensed money transmitter in 51 states and territories |
*Details correct at time of research – 3rd October 2025.
📚💼 Related article: How to open a business bank account in Europe.
How to open an EUR bank account with Wells Fargo
You can’t open a Wells Fargo EUR account as a personal customer or for your small business. Wells Fargo does market international treasury management through its Corporate & Investment Banking division.
This is intended for large businesses which trade internationally and need advanced support for managing incoming and outgoing foreign currency payments.
Details of this service are available on application to the bank only.
When is a EUR bank account needed?
Having a euro account can be helpful both for individuals who need to manage their personal finances in different currencies, and for business trading overseas.
👥 As a personal customer you may want a EUR account for travel spending or if you shop online with European retailers. You may also benefit from ways to send low cost euro payments to others, for overseas bills and payments – and you can get paid by friends, family and employers in EUR with your euro account, too.
💼 Businesses typically use a EUR account to receive customer payments including bank transfers, payments from marketplaces and platforms, and card payments. You can also use your EUR account to hedge against changes in thee currency exchange rates, and to send money to suppliers and contractors in Europe.
📚 Guide: How to open a euro bank account in the US
Learn more about the best multi-currency accounts in the US, for personal and business use.
Are EUR accounts safe to use?
All of the euro accounts we have selected for this guide are safe to use. They have a variety of in-built features, such as 2 factor authentication and encryption, as well as automatic and manual protocols to spot and prevent fraud. Choose a EUR account from a reputable and regulated provider, for peace of mind.
Conclusion
There are many reasons why a euro account might be a useful addition to your financial management toolbox. Whether you’re planning a leisure trip to Paris, or getting paid for your business from Berlin, you can use a euro account to make cross border payments easier and cheaper.
Wells Fargo does not offer EUR accounts to individual and small business customers – but other providers do. Check out Wise or Revolut for flexible multi-currency accounts and card services, for personal and business use, as great examples of low cost EUR accounts for US citizens and residents.
📚💶 Learn more: Best euro accounts in the US
Wells Fargo EUR Account FAQs
Does Wells Fargo offer EUR accounts?
No. Wells Fargo does not offer EUR accounts to individual and small business customers – but other providers do. Take a look at services like Wise and Revolut instead, for business and personal accounts that support EUR, USD and more.
Can I deposit EUR into my Wells Fargo account?
No. Wells Fargo accounts are USD denominated so you can’t deposit euro bills. If you have bought EUR travel cash from Wells Fargo, you may be able to sell back unwanted euros at the end of your trip, and then deposit that to your USD account manually. If you need to convert your money at Wells Fargo, this guide might be helpful: Currency exchange with Wells Fargo.
Does Wells Fargo charge international fees?
Wells Fargo accounts may charge international fees including foreign transaction costs when you spend with a card overseas, and fees for international payments. Check your specific account terms and conditions to learn more.
