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Multi-Currency IBAN Account for Expats and Non-Residents
One Netherlands NL IBAN. Hold and receive in 38+ currencies. Open online in ~4 minutes.
What Is a Multi-Currency IBAN?
A multi-currency IBAN is a single European bank account number that allows you to hold, send, and receive payments in multiple currencies simultaneously. Unlike a standard IBAN — which is tied to one currency — a multi-currency IBAN gives you one account reference that works across EUR, GBP, USD, SAR, and 34+ more.
NOWE Money’s multi-currency IBAN is issued by NOWE Money B.V., registered in Amsterdam, Netherlands (KvK 98048260) — giving you a Netherlands NL IBAN, not a Lithuanian LT IBAN. Your IBAN, SEPA transfers, SWIFT payments, and FX conversion are available globally. Physical cards available for Europe and the UK only.
NOWE Money is a multi-currency fintech platform operated by NOWE Money B.V., registered in Amsterdam, Netherlands (KvK 98048260). It offers personal and business accounts with EU IBANs, SEPA payments, and international FX across 190+ countries and 38+ currencies. Payment services are provided by Equals Money PLC (FCA #900190). KYC takes ~4 minutes; accounts verified within 1 business day.
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personal features
Netherlands NL IBAN
A real EU IBAN starting with NL. Usable for SEPA transfers and international payments from day one.
Free SEPA Transfers
Receive SEPA transfer personal payments from 36 European countries at zero cost. SEPA Instant supported.
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38+ Currencies
Hold foreign currency — EUR, GBP, USD, SAR, and 34+ more. No need to open separate accounts per currency.
Multi-Currency Debit Card
Spend in any held currency with your NOWE card. FX up to 2%. Physical cards: Europe & UK customers only.
How to Open Your NOWE Personal Account
Sign Up Online
Visit nowemoney.com and create your account in minutes.
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One last step
Verify your identity to complete your account setup. Usually takes 5–10 minutes.
Contact support
Complete KYC
Upload your ID. KYC takes ~4 minutes online. No branch visit or local address required.
Get Verified
NOWE reviews your application. Verification takes usually 1 business day.
Get Your NL IBAN
Your Netherlands NL IBAN is active. Hold and receive in 38+ currencies immediately.
Built for Your Cross-Border Life
Expat Banking
Hold local currency for rent, bills, and daily spending. No conversion fees on SEPA transfers in Europe.
Digital Nomad Account
Get paid by international clients in their currency. Convert EUR, GBP, USD whenever rates suit you.
Non-Resident IBAN Access
Receive international payments from EU platforms. A European IBAN for non-resident individuals, online.
NOWE Multi-Currency IBAN vs Competitors
Choose Your NOWE personal Plan
NOWE Classic
The free multi-currency account for everyday cross-border banking.
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No Monthly Fee
- Virtual Card
- Multi-currency IBAN (EUR, GBP, USD, SAR)
- Free SEPA transfers
- SWIFT transfers (€5) 2 free ATM withdrawals/mo
NOWE Platinum
For frequent travelers and growing businesses — physical card and cashback included.
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Billed Monthly
- Physical + virtual card
- Netherlands NL IBAN
- Free SEPA + SWIFT (€2)
- Free SEPA Transfers
- Sub-accounts & team access
- 1% cashback · 24/7 priority support
NOWE Black
The premium plan for power users — fee-free SWIFT, full API access and dedicated support.
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Billed Monthly
- physical + virtual card
- Netherlands NL IBAN
- Free SEPA + SWIFT (free)
- Full API + CSV export 2% cashback
- Dedicated WhatsApp
How expats and founders secure Netherlands IBANs for EU credibility
Individuals and non-EU founders use NOWE to get a Netherlands IBAN, receive SEPA payouts, and manage multiple currencies without constant FX costs.
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Opened a Netherlands IBAN in ~4 minutes — verified in one business day after struggling with non-EU accounts.
We needed a real Netherlands IBAN for EU clients. NOWE onboarded us in minutes — and we were fully verified the next day.
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Amira K.
E-commerce Founder · Individual
🇦🇪 UAE
Regulated and safeguarded
FCA Authorised
Payment Services via Equals Money PLC, Authorised And Regulated By The UK Financial Conduct Authority.
Safeguarded Funds
PSD2-Compliant. Client Funds Held In Safeguarded Accounts — Never Used For Credit Or Speculation.
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NOWE Money B.V.
KvK 98048260 · John M. Keynesplein 4, 1066 EP Amsterdam, Netherlands
Private limited liability company registered in the Netherlands.
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Legal disclaimerNOWE Money B.V. is a private limited liability company registered in the Netherlands, listed with the Dutch Chamber of Commerce (KvK) under number 98048260, with registered office at John M. Keynesplein 4, 1066 EP Amsterdam. Payment services are provided by Equals Money PLC, authorised and regulated by the Financial Conduct Authority (FCA) under registration number 900190. Funds are held in safeguarded accounts and are not covered by the Financial Services Compensation Scheme (FSCS).
Frequently Asked Questions
A multi-currency IBAN is a single European bank account number that lets you hold, send, and receive in multiple currencies simultaneously. NOWE Money issues a Netherlands NL IBAN covering 38+ currencies — available to individuals worldwide, including non-residents. KYC takes ~4 minutes; accounts verified usually within 1 business day.
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your business a netherlands IBANno borders.
Free SEPA. Up to 1.5% FX. Verified in 1 business day.
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Physical cards available for Europe and UK customers only. All other features — IBAN, SEPA, SWIFT, FX conversion — are available worldwide.