Payoneer is built for marketplace payouts — it issues the local receiving details Amazon Seller Central asks for in each marketplace currency. Wise Business is the flexible alternative with broad currency coverage; 3S Money and Hubpay suit sellers scaling beyond one marketplace. Pair with a UAE home account for operating costs.
Catalogue updated
Payoneer Business Account Payoneer The top catalogue-ranked product in this list — reasons cite the published fields below, not a paid placement. Methodology
Products are shown in catalogue order, not as a personalised recommendation. Compare the details and confirm current terms with the provider. Methodology
Local receiving accounts in USD, EUR, GBP, AED and more — built for marketplace sellers, freelancers and exporters getting paid from abroad.
Free to open. Receiving fees up to 1% (bank debit) / 3.99% (cards); currency conversion up to ~3.5%; USD 29.95 annual fee if volume under USD 6,000/12 months.
Hold and convert 40+ currencies at mid-market rates, get local account details for major currencies and pay suppliers abroad — now licensed by the UAE Central Bank.
Free to open; per-transfer fee and FX margin quoted before each transfer and vary by currency pair. CBUAE SVF + Retail Payment Services licences (2025).
EMI multi-currency account with local IBANs in 65+ currencies and a dedicated relationship manager — DFSA-regulated DIFC branch, plus FCA (UK) and CSSF (Luxembourg). Onboards industries traditional banks often decline.
No public rate card — fees quoted per client. 65+ currencies incl. AED, USD, GBP, EUR; SWIFT/SEPA to 190+ countries. 3S Money Club Limited (DIFC Branch) DFSA ref F007004; FCA registration 900918. Per 3s.money, verified Oct 2026.
ADGM-regulated multi-currency account for UAE companies: named AED IBAN on Starter or IBANs in 30+ currencies on Scale, 150+ FX pairs, virtual IBANs and payment links. Zero minimum balance; activation about one business day.
Starter AED 99/mo (local transfer AED 5, international AED 26); Scale AED 299/mo (30+ currency IBANs, free local, international AED 52.50–65). One-business-day opening after documents; free-zone and offshore structures accepted subject to KYC. Per hubpay.io/pricing, verified Oct 2026.
Dedicated IBAN with 70+ currencies including AED, local accounts in the UK, EU and US, plus a personal account manager — DFSA-licensed DIFC entity, UK EMI under FCA.
Account opening from £500; monthly maintenance from £100; minimum balance ~3× monthly fee. SEPA/SWIFT/ACH/Fedwire supported; UAE among supported countries. Per multipass.co/pricing, verified Oct 2026.
| Product | Currencies | Monthly fee | Onboarding | Free zone |
|---|---|---|---|---|
| Payoneer Business Account | USD, EUR, GBP, AED + | AED 0 | 1–3 days | Yes |
| Wise Business | 40+ currencies | AED 0 | 1–3 days | Yes |
 3S Money International Business Account | 65+ currencies | Not published | ~10 days | Yes |
| Hubpay Business Account | 30+ IBANs, 150+ pairs | AED 99 | ~1 day | Yes |
| MultiPass Multi-Currency Account | 70+ currencies | Not published | Sales-led | Yes |
Fact sources: payoneer.com · wise.com · wise.com · 3s.money · hubpay.io · multipass.co · multipass.co
For startups watching fixed cost: compare monthly fee and minimum balance first — lowest published monthly cost: Payoneer Business Account and Wise Business. For a free-zone company: All products here onboard free-zone entities — compare on fees next. For founders outside the UAE: All products onboard remotely — no branch visit needed. For anyone needing it live soon: fastest stated approval: Hubpay Business Account — still subject to compliance review. For import-export and multi-currency flows: widest published currency coverage: MultiPass Multi-Currency Account.