Best Business Accounts to Receive USD from US Clients (2026)

Airwallex provides modern global business accounts with multi-currency collection accounts in 20+ currencies, corporate cards, borderless supplier payouts, and a unified FX conversion engine designed for cross-border ecommerce and digital businesses.

Wise Business (formerly TransferWise) is renowned for providing real mid-market exchange rates with an upfront, low transparent fee, offering multi-currency holding accounts in 40+ currencies and account details to receive in 22 currencies.

Payoneer is a veteran cross-border payment platform with pre-built native payout integrations across global marketplaces like Amazon, Walmart, eBay, Upwork, and Fiverr, serving sellers and freelancers worldwide.

Mercury is a financial technology company offering US tech startups and venture-backed companies business bank accounts via partner banks Choice Financial Group and Column N.A. (Members FDIC), with high-yield treasury and free domestic transfers.

OFX provides the OFX Global Business Account featuring multi-currency collections across 7 currencies, corporate expense cards with 1% cashback, risk hedging contracts, and dedicated phone dealer assistance for cross-border businesses. Plans include Standard ($0 per user/month) and Full Suite ($75/mo, includes 5 users, +$10/user beyond 5).

Relay is an online business banking platform built for SMBs and accounting teams, offering up to 20 individual checking accounts for Profit First budgeting, 50 virtual cards, and deep integration with Gusto and Xero.

Revolut Business offers US multi-currency company accounts starting at $10/mo (Basic plan) with Lead Bank (Member FDIC) partnership, corporate spend management cards, payment links, and integrated FX tools, especially popular for businesses with transatlantic operations.