Inform
Read the short answer first, then the detail — for every country we cover.
Read the guides
Money & banking
konto24
Banking and money across borders.
Bank accounts, transfers, currency, pensions and credit history for people whose finances do not fit one country.
Who it is for
One card and account that works in many currencies while you travel.
Providers often considered
Wise logoWinnerMulti-currency account (e-money)
Wise
A multi-currency account and card known for transfers at the mid-market exchange rate with a visible fee.
WinnerFrequent currency conversionSee profile
Revolut logoWinnerDigital bank and money app
Revolut
A mobile-first account with multi-currency spending, budgeting tools and tiered subscription plans.
WinnerTravellers and digital nomadsSee profile
N26 logoWinnerDigital bank
N26
A mobile bank account with a European IBAN, aimed at residents of the countries it serves.
WinnerEU residents needing a local IBANSee profile
How to use konto24
Compare
Providers side by side, rated on the same criteria, in one format.
Compare providersDecide
Book a free call with a vetted specialist — only when you are ready.
Book a consultationWhat we cover
Bank accounts abroad
10 guides
Money transfers and currency
6 guides
Pensions and retirement
6 guides
Credit history and financial identity
5 guides
Cost of living and budgeting
5 guides
Our providers
Every provider is a winner in its own field.
- Wise logoWinner
Multi-currency account (e-money)
Wise
A multi-currency account and card known for transfers at the mid-market exchange rate with a visible fee.
WinnerFrequent currency conversionSee profile - Revolut logoWinner
Digital bank and money app
Revolut
A mobile-first account with multi-currency spending, budgeting tools and tiered subscription plans.
WinnerTravellers and digital nomadsSee profile - N26 logoWinner
Digital bank
N26
A mobile bank account with a European IBAN, aimed at residents of the countries it serves.
WinnerEU residents needing a local IBANSee profile 
HSBC Expat logoWinnerOffshore expat banking
HSBC Expat
Offshore banking for internationally mobile people, with multi-currency accounts and wealth services.
WinnerHigher balancesSee profile
Barclays International Banking logoWinnerOffshore expat banking
Barclays International Banking
International accounts for people living abroad, held outside the UK mainland.
WinnerUK connections abroadSee profile
Talk to a specialist
Arthur answers immediately and, for members, prepares the next steps with the right specialist.
- Which account type fits your situation
- What opening from abroad requires
- How fees compare for your transfer volume