If you've been searching for a multi-currency bank account to hold foreign currency, and want to time your FX so you stop losing margin on every cross-border transaction, you're really looking for the workflow underneath that phrase.
Quotable Payments gives you a multi-currency holding balance inside our platform. You get receiving methods that clear faster than a wire, and payouts in 140+ currencies across 200+ countries. It's a currency-holding balance, not a traditional deposit bank account. And it's built specifically for cross-border B2B trade.
Quotable Payments is currently in pilot and accepting applications for early access.
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Most searches for an online multi-currency account come from finance and operations leads who need one thing: a place to receive foreign currency, hold it, convert on their timing, and pay suppliers back out. Quotable Payments does exactly that. You receive in 35+ currencies, hold balances instead of converting on every transaction, and pay out to 140+ currencies across 200+ countries.
Traditional banks bundle a hidden FX margin into every conversion. You see a rate. You don't see the spread the bank added above the mid-market rate. On a $50,000 supplier payment, that spread quietly costs more than the wire fee itself. Your bank also forces conversion on every transaction. You can't wait for a better rate. And you can't net incoming customer receipts against outgoing supplier payments in the same currency.
A multi-currency holding balance changes the math. You hold USD, EUR, CNH, PHP, or any of 35+ currencies inside Quotable Payments. You convert when it makes sense, not on every transaction. When you do convert, you're pricing against the mid-market rate with a transparent margin, not a bank's black-box rate.
Quotable Payments gives eligible businesses access to virtual multi-currency accounts with local bank details, without opening separate traditional bank accounts in every country. Through our payment partners regulated Global Accounts infrastructure, businesses can receive, convert, and send funds in 140+ currencies, and hold 35+ currencies.
Funds are held through a regulated banking network and safeguarded in accordance with applicable regulations. Quotable Payments provides the operational layer connecting customer receipts, supplier payments, and accounting workflows.
Customers and marketplaces pay into your balance using the method that fits the corridor. Wire covers all 35 currencies. ACH covers 21. Instant covers 10. Availability varies by currency, so you pick the speed and cost tradeoff for each transaction.
For 12 currencies, we provide a local onshore account so payments settle domestically instead of routing through an international intermediary. The remaining 23 currencies route through Ireland. In both cases, the funds land in your Quotable Payments balance, not a separate external account you reconcile against.
Instead of your bank converting incoming USD to your home currency the moment it arrives and skimming a margin on the way, you hold the USD. You convert when the rate is right, or you spend it directly on a supplier invoice denominated in USD. Every conversion you skip is FX margin you keep.
From the same balance, pay vendors and suppliers in 140+ currencies across 200+ countries. No separate FX tool, no manual wire form, no in-branch visit. Marketplace payout accounts are supported for Shopee, Lazada, and Amazon sellers who need to consolidate multi-marketplace earnings before paying suppliers overseas.
Payments match automatically to the originating quote, invoice, or order when one exists. Your finance team stops reconciling bank statements against open documents by hand.
Quotable Payments is built for B2B operators and sending and receiving money across borders: importers, exporters, manufacturers, ecommerce brands, freight forwarders, multinational corporations, and marketplace sellers, and distributors. If you're still wiring through your primary bank and assuming the FX cost is unavoidable, this is built for you. We'll beat your current FX cost.
Quotable Payments is in pilot and accepting applications for early access. We onboard applicants case-by-case as we scale the pilot. Tell us your corridors and volume, we confirm fit, and we get you set up.
It's free to send international payments using Quotable AI. We also offer seller and buyer procurement plans with a free entry point, for companies needing more than payments. Paid tiers start at $49/month for sellers and $25/month for buyers. Annual billing saves $25% across all tiers. Book a Quotable AI demo to see our other services.
Don't just take our word for it. Hear from those who have transformed their business with us.
We used to juggle 3,000 suppliers on spreadsheets. It caused errors, delays, and constant follow-ups. Switching to Quotable AI transformed our workflow overnight, everything is structured, fast, and automated. We now grow 25% on average every month without increasing overhead.
For us, the biggest value of Quotable's dual-stack platform was being able to scale to $1M ARR in under a year with just 1.5 FTEs in operations.
Our procurement used to be slow and fully manual. Vendor delays held projects back. Quotable AI centralized everything into one system and cut supplier response time by 60%.
Every cross-border transaction you run through your bank has a hidden margin baked into the FX rate. A multi-currency holding balance inside Quotable Payments lets you receive, hold, convert on your timing, and pay out to 140+ currencies without that markup.
