Personal Finance Bank accounts

BoursoBank multi-currency account: everything you need to know

Soufiane Baba

04.11.25

Read time 2 minutes

If you live in France and often deal with payments or transfers in foreign currencies, you may already know that the euro isn’t always enough. Whether you’re an individual or a professional, you’ll likely need to send money in another currency at some point.

At BoursoBank (formerly Boursorama), it’s possible to make international currency transfers — but these can be quite costly. Exchange fees, transfer fees, fixed and variable commissions: these can quickly add up. If you frequently need to carry out such transactions from France, opening a multi-currency account could make sense.

But does BoursoBank actually offer this type of account? And what are your alternatives if you live in France and need to manage money in several currencies? Let’s take a closer look.

We’ll also introduce an alternative for managing your payments and currency transfers more efficiently: Wise. Wise offers a low-cost, flexible account that lets you hold, convert, and send money in multiple currencies at the mid-market exchange rate — without hidden markups.

Discover the Wise account

When would I need a multi-currency account?

A multi-currency account allows you to manage several currencies from one account. There’s no need to open separate accounts for euros, US dollars, or British pounds — everything is managed in one place.

The main benefit is being able to convert currencies at a low cost before sending your transfer. This helps you avoid high bank conversion fees and limits your exposure to exchange rate fluctuations.

With a multi-currency account, you can also get a debit card that offers preferential rates for payments and withdrawals abroad — ideal if you travel or shop internationally.

This type of account can be useful if you frequently deal in foreign currencies, such as:

A family member lives outside the SEPA zone.
You pay clients or suppliers in multiple currencies.
You regularly travel outside France for business or personal reasons.

Can I open a multi-currency account with BoursoBank from France?

Unfortunately, BoursoBank doesn’t currently offer a multi-currency account. If you travel abroad from France, your payments and withdrawals must be made using one of the bank’s Visa cards — WELCOME, ULTIM, FREEDOM, or METAL.

Here are the fees for payments and withdrawals in currencies outside the SEPA zone:¹

Card type	Withdrawal	Payment
FREEDOM Card (12–17 years)	1.69%	Free
ULTIM Card	3 free withdrawals per month, then 1.69%	Free
WELCOME Card	1 free withdrawal per month, then 1.69%	Free
METAL Card	Free	Free

If you need to send or receive money outside the SEPA zone in foreign currencies, the fees are as follows:¹

Operation type	Fees	Exchange commission	Exchange margin
Wire transfer issuance	Free	Free	Free
Wire transfer receipt	0.1% (min. €20)	Free	1% of the applied exchange rate

Note that the applied exchange rate includes coverage for exchange rate risk, meaning it already has a margin built in.

Wise: an alternative for people in France

In recent years, several new financial services have emerged that offer simpler processes and more transparent pricing than traditional banks.

Among them is Wise, which provides a multi-currency account supporting 40+ different currencies, along with a debit card. It’s an interesting option for those in France who regularly send or receive money abroad.

Here are the main features of the Wise account:

Hold and manage 40+ different currencies in one account.
Send money to 140+ countries.
Access all your balances in one place.
Get local account details in Europe, the USA, Australia, or the UK — so you can receive payments like a local.
Benefit from the mid-market exchange rate (without hidden markups).
Sign up for a debit card (free, excluding delivery fees).
Pay in the local currency for free if you already hold that currency in your account. If conversion is needed, it’s done using the mid-market rate with small, transparent fees.
Enjoy 2 monthly withdrawals of up to €200 for free.

If you live in France and often deal with foreign currencies — whether for travel, family, or business — Wise could be a convenient alternative to BoursoBank.

Opening an account is quick and easy: go to the Wise website and sign up using your Facebook or Gmail account. Then complete your details and upload your ID documents. That’s all it takes.

Open your Wise account

Source:

BoursoBank tariff brochure

Last verified on September 09, 2025.

This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.

*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.