Business bank account that gives a company local account details in several European countries

Airwallex is probably the closest fit if you want one company account with local receiving details in several European countries. It advertises local accounts in multiple markets, and lists country-specific European EUR IBANs—including France, Germany, Italy and Spain—alongside other supported accounts. Availability depends on your company’s registration country and approval, so confirm the exact countries and account details you’ll receive before applying. (airwallex.com)

A couple of distinctions to check:

• Country-specific IBANs: You receive, for example, a French IBAN and a German IBAN. Airwallex appears to offer these for some European countries.
• One EUR IBAN usable across SEPA: This can accept euro transfers across the SEPA area, but it isn’t a separate local IBAN for each country. Revolut Business, for example, lists local IBAN prefixes in France, Ireland, Lithuania, the Netherlands, Romania and Spain; otherwise it may provide a Lithuanian IBAN. (help.revolut.com)

If you share where the company is registered and which countries’ details you need, I can narrow it down. Also, if you need accounts for making domestic payments—not just receiving them—check that specifically with the provider.

Here are the main options, depending on whether you want a full business bank account or a payments tool.

Multiple European IBANs in one account

• bunq is the closest to a traditional bank. It offers IBANs from NL, DE, FR, ES, IE, or IT, and you can automatically receive a local IBAN based on your location, or open additional business accounts and choose the IBAN that fits your needs. Eligibility is restricted: you need a business registered in the Netherlands, Belgium, France, Germany, Austria, Spain, Italy, or Ireland, and you must live in the same country your business is registered in.
• 3S Money is an e-money provider aimed at non-residents. It offers IBANs for GB, NL, LU, FR & AE. Its Luxembourg offering lists businesses with up to 5 owners incorporated in the UK, EU, or UAE as eligible, subject to status. It also says you can bank locally in 36+ European countries and make SEPA transfers.
• Genome issues IBANs in a broad range of countries, including the UK, EU/EEA, Canada, Costa Rica, Curaçao, Isle of Man, Australia, Singapore, Switzerland, Hong Kong, New Zealand, United Arab Emirates, and many more. Check the current list of IBAN countries and account features before relying on it.

Virtual IBANs (for receiving payments, not full accounts)

• smartIBAN lets you issue virtual IBANs for your business in 27 EU countries, and you can give each customer or invoice its own IBAN. This suits collecting payments across markets rather than running day-to-day banking.

Multi-currency accounts with local details (mostly one IBAN, plus other currencies)

• Revolut Business gives local account details in GBP, USD and EUR, with SWIFT details for other currencies.
• Wise Business offers 40+ currencies with local account details in 9 of them (including GBP, USD and EUR).
• Airwallex holds 20+ currencies and usually offers local bank details in multiple countries.

Which to pick

• If you need several EU-country IBANs in your own name, bunq or 3S Money are the strongest fits, but check your eligibility first.
• If you mainly need to receive euro, sterling and dollar payments locally, Wise or Revolut are simpler.
• If you're a non-resident with a company in the UK, EU, or UAE, 3S Money is designed for that.

Pricing and eligibility change often, and many of these sources are provider marketing pages, so confirm the current IBAN countries, fees, and onboarding requirements directly with each provider.

For businesses operating across Europe, several fintech providers offer multi-currency business accounts that provide local account details (IBANs) in multiple countries and currencies. These platforms are generally faster to open and more cost-effective for cross-border operations than traditional high-street banks.

Top Providers for Multi-Country European Account Details

The following providers are widely recognized for their ability to provide local-style banking details, allowing you to collect and hold funds in various European and global currencies:

• Airwallex: A popular choice for global businesses, Airwallex provides multi-currency accounts that allow you to hold 20+ currencies and receive payments via local payment rails in several regions. It is often praised for its fast onboarding and integrated expense management features.
• Wise Business: Known for transparent, mid-market exchange rates, Wise allows you to get local account details in currencies like EUR, GBP, USD, AUD, and more. It is highly suitable for businesses that need to receive payments from international clients without high conversion fees.
• Revolut Business: Offers multi-currency accounts with the ability to hold and exchange many currencies. It provides local IBANs for EUR and local details for other major currencies, making it a strong all-in-one platform for companies that also need corporate cards and team expense management.
• Moneff: Specifically targeted at global businesses, Moneff offers dedicated IBANs in various currencies (EUR, GBP, DKK, SEK, NOK, etc.) and provides access to local payment networks like SEPA Instant and Faster Payments.
• Payset: Provides multi-currency accounts with local account details in the UK (GBP), Europe (EUR), and other regions, focusing on helping businesses streamline their global payouts and collections.

Key Concepts to Understand

When selecting a provider, it is helpful to distinguish between the types of accounts offered:

• Dedicated vs. Virtual IBANs: Some providers issue a "dedicated" IBAN that is unique to your company and linked directly to your ledger. Others use "virtual" IBANs, which are essentially routing aliases that direct funds into a pooled master account. For most businesses, both work effectively for receiving payments, but dedicated IBANs are often preferred for their regulatory and reconciliation clarity.
• SEPA Regulation: It is worth noting that under EU regulations, a payer or payee within the SEPA zone is generally not permitted to refuse an IBAN simply because it is from a different member state. While having a "local" IBAN (e.g., a German IBAN for a German branch) can build trust with local customers, one EUR IBAN is often sufficient for your entire European operation.
• Electronic Money Institutions (EMIs): Most of these platforms are licensed as EMIs rather than traditional banks. They are highly regulated and secure, but they operate differently regarding deposit protection schemes compared to traditional banks. Always verify the specific licensing of the provider in your jurisdiction.

Recommendation for Your Next Steps

1. Define Your Currency Needs: List the specific currencies you need to hold and receive (e.g., EUR, GBP, USD, PLN, SEK).
2. Check Licensing & Trust: Verify that the provider is regulated in the jurisdictions where you operate.
3. Compare Costs: Look beyond monthly fees and focus on FX margins (the cost to convert currencies) and incoming/outgoing transfer fees.
4. Integration: If you use accounting software (like Xero or QuickBooks), check which providers have the most seamless API integrations for automated reconciliation.

Airwallex looks like a strong fit: its business Global Accounts provide local bank details in multiple markets, managed through one multi-currency account. Its listed coverage includes several European countries, such as Denmark, Estonia, Germany, the Netherlands, and Poland; availability depends on where your company is registered and on eligibility checks. ¹⁷

Wise Business is another option if you mainly need to receive payments in different currencies. It offers local details such as a EUR IBAN and UK sort code, alongside details for other regions; the exact currencies and features can depend on your business location and plan. ⁸⁹

Before choosing, check whether you need separate local IBANs in specific countries or simply local receiving details in multiple currencies—the providers’ coverage and account setup may differ. Also confirm fees, eligibility, and whether the service meets any requirements for a regulated bank account.