Business bank account in Ireland that holds euros, dollars and pounds and pays a US supplier in dollars

Yes—Revolut Business looks like a straightforward fit for an Ireland-based business: it supports holding separate EUR, USD and GBP balances, and making supplier payments from the balance in the invoice currency. Its Irish plans currently start at €10/month, with plan-specific allowances and fees for transfers and currency exchange. (revolut.com)

Wise Business is another option. It lets Irish businesses hold foreign currencies and send payments to suppliers; its pricing lists a €60 one-time fee to get account details, and transfer and conversion charges vary by currency. (wise.com)

A traditional Irish-bank option is AIB’s Currency Current Account for holding and paying in major currencies such as USD. Note that AIB says new Sterling Current Accounts are temporarily paused, so it may not meet your GBP requirement as a single solution. (aib.ie)

Practical choice: If you want all three currencies together and expect to pay the US supplier from your USD balance, compare Revolut Business and Wise Business on your expected payment amounts and frequency. Before opening, check the account’s USD payment route and fees—such as ACH versus international wire/SWIFT—and confirm what protection applies to your balance. The Central Bank of Ireland distinguishes bank deposits covered by the Deposit Guarantee Scheme from e-money/payment-provider funds, which are safeguarded but not DGS-covered. (centralbank.ie)

Short answer: For holding EUR, USD and GBP and paying a US supplier in dollars, a multi-currency fintech account (Wise Business or Revolut Business) is usually cheaper and more flexible than a traditional Irish bank. An Irish bank makes sense if you need branches, lending, or a bank relationship. The sources below are mostly provider blogs and comparison sites, so confirm current pricing directly with each provider.

Options

• Wise Business: This is the strongest fit for your setup. Wise says it lets you hold money in 40+ currencies, and businesses can hold balances in over 40 currencies with Wise Business and access local account details in up to 10 currencies (including USD, EUR, GBP, AUD, NZD, and CAD). Its conversions use the mid-market rate, with a fee on top. Fee sources conflict. One Wise Ireland article says a €10.00 monthly fee applies, with other fees charged transparently at the point of transaction, while another says Wise Business does not charge a monthly fee. By paying a one-time €50 activation fee, you and your team get access to all the features. Check which applies to an Irish company. Also note that a third-party review says the USD account is a non-wire account, and you'll pay $6.11 for incoming wire transfers. That is older data, so verify it, since it matters if your supplier wants to be paid by wire.

• Revolut Business: This is the main alternative. It offers send and receive payments in 25+ currencies with multi-currency account support. One guide notes that Revolut IBANs have a LT prefix, not IE this is fine for SEPA but occasionally causes issues with Irish government portals that expect an IE IBAN. Revolut's paid plans are relevant if you make many transfers, since higher paid plans offering larger transfer and FX allowances.

• Irish banks (AIB, Bank of Ireland): These are slower to open and more expensive for FX. One 2026 comparison says AIB's schedule of international transaction charges effective 1 July 2026 sets €15 for a standard non-SEPA payment sent online and €22.50 for an urgent one. Bank of Ireland's FX margins can be high: one source reports a spread of up to 4% on sterling and dollar transactions up to €10,000. The benefit is a full relationship, with overdraft, lending, merchant services as you grow. Banks are also good for money held at an Irish bank is protected up to €100,000. Consider one of these as a second account for lending or deposit protection.

Practical checks before you choose

1. Ask your US supplier how they want to be paid. If they accept ACH or domestic USD payments, fees drop. If they need an international wire, compare the total cost, including the intermediary and receiving-bank charges.
2. Compare the FX margin, not just the monthly fee. On a large dollar payment, the conversion spread usually matters more than the account fee.
3. Check onboarding for your company. Fintechs often open accounts in days, while banks can take 1–3 weeks, so plan around that if you need the account soon.
4. Confirm your accounting software connects. Both Wise and Revolut advertise integrations, but make sure your bookkeeping tool is supported.

If you tell me your monthly payment volumes, typical supplier payment size, and whether you need lending, I can narrow this to one or two recommendations.

For businesses operating in Ireland that need to hold euros (EUR), US dollars (USD), and British pounds (GBP) while paying US suppliers in dollars, there are two primary paths: Fintech/EMI providers and traditional Irish banks.

Most modern, internationally active businesses in Ireland prefer fintech solutions because they are faster to set up, offer better exchange rates, and are purpose-built for multi-currency operations.

1. Recommended Fintech & EMI Providers

These providers are highly effective for businesses that need to hold multiple currencies and make frequent international payments.

• Wise Business: One of the most popular choices for Irish businesses. It allows you to hold over 40 currencies, including EUR, USD, and GBP, and provides local account details (like a US routing number) so you can receive and send USD seamlessly. It is known for its transparent, mid-market exchange rates.
• Revolut Business: A common choice that offers a modern app experience and supports a wide range of currencies. It functions well for daily operations and international transfers, though some businesses use it alongside a traditional bank for larger transactions.
• MultiPass: Specifically designed for international trade, MultiPass provides a multi-currency IBAN that supports EUR, USD, and GBP. It is well-regarded for businesses that need to move money globally and want dedicated support.
• Other Digital Options: Platforms like Sokin, Fyorin, and Corpay also offer multi-currency accounts, often with features tailored to specific business sizes, higher transaction volumes, or complex international trade requirements.

2. Traditional Irish Banks

Traditional banks (e.g., AIB, Bank of Ireland) do offer "Currency Current Accounts" or foreign currency accounts.

• Pros: They provide a familiar, "bricks-and-mortar" banking relationship, which can be useful if you need services like overdrafts, loans, or cash handling.
• Cons: They are generally slower to open (often requiring paperwork or branch visits), have higher fees for international transfers, and often offer less competitive exchange rate spreads compared to fintech providers.
• Usage: Many businesses choose to keep a traditional bank account for local Irish operations (like tax payments or payroll) while using a fintech provider for their international currency management and supplier payments.

Summary Comparison

Next Steps for Your Business

1. Assess Volume: If your primary need is paying US suppliers regularly, a provider with low FX fees (like Wise or MultiPass) will likely save you significant money compared to a traditional bank.
2. Check Requirements: If you are a non-resident director, ensure the provider supports your company structure. Providers like MultiPass and Banq Global are often more flexible for non-EEA founders than retail-focused traditional banks.
3. Hybrid Approach: Consider maintaining a basic local bank account for Irish-specific obligations and a dedicated multi-currency account for your international trade. This is a very common strategy for Irish companies trading globally.

Disclaimer: I am an AI, not a financial advisor. Banking requirements and terms can change frequently. You should verify the current fees and eligibility criteria directly with any provider before applying.

For an Irish business that needs to keep euros, US dollars and pounds sterling, then pay a US supplier in USD, these are the most relevant options:

• Wise Business — A good fit if you want one multi-currency account for routine international payments. It supports holding 40+ currencies, provides EUR, GBP and USD account details, and lets you send supplier payments in USD. Wise says it uses the mid-market exchange rate with a separate transfer fee; check the current quote and payment route before sending. ⁴⁷⁹
• Revolut Business — Also supports holding and exchanging EUR, GBP and USD, and paying suppliers from the relevant currency balance. Its exchange allowance and transfer fees depend on the plan, so compare your expected monthly volume against the plan limits. ²¹¹¹⁵
• AIB or Bank of Ireland — Consider these if you want to keep your main business banking with an Irish bank. AIB offers business currency accounts in USD and GBP, with international payments available. Bank of Ireland offers international business payments and foreign-currency services; ask whether its account setup suits your need to hold all three currencies and what its USD payment and FX charges would be. ¹³³⁶

Practical starting point: compare Wise Business and Revolut Business for regular, lower-value USD supplier invoices; get an itemised quote from AIB or Bank of Ireland if you prefer a traditional bank or make larger, recurring payments. Compare the total cost—not just the exchange rate—including conversion fees, payment fees, intermediary-bank deductions, and whether the supplier receives the full invoice amount.

Before opening an account, confirm the provider supports your business type and Irish registration, and ask the US supplier whether they can receive the proposed USD payment method (for example, local US bank transfer or SWIFT).