Multi-Currency Accounts for Exporters and Global Traders

For exporters and international trading companies, managing payments across borders is a daily challenge. Buyers expect to pay in their local currency, suppliers demand settlement in another, and banks often force conversions that erode already tight margins.

Traditional banking systems were not built for modern global trade. Exporters still face 2–4% FX markups, three-to-five day settlement delays, and limited access to multi-currency infrastructure. These inefficiencies restrict working capital, disrupt cash flow, and add friction to every transaction.

A multi-currency business account solves this by enabling exporters and global traders to receive, hold, and send funds in multiple currencies — from a single, compliant platform.

Why Exporters Need a Multi-Currency Business Account

For exporters, access to multi-currency accounts is not just convenient — it is essential to compete globally.

A best-in-class multi-currency account provides:

• Direct global receivables – Receive payments from buyers worldwide in USD, EUR, and GBP without forced conversions.

• Faster settlements – Reduce waiting periods from three-to-five days to hours, improving cash flow and liquidity.

• FX control – Convert currencies strategically when rates are favourable, avoiding 2–4% automatic bank spreads.

• Unified treasury visibility – Monitor global balances in real time across all currencies and markets.

• Regulatory compliance – Ensure all flows comply with AML and KYC requirements across jurisdictions.

• Operational efficiency – Centralise international transactions without maintaining multiple local bank accounts.

Without these capabilities, exporters struggle to manage payments across markets, creating unnecessary delays and costs.

Common Barriers with Traditional Banks

Exporters typically face multiple layers of friction when operating through conventional banks:

• Requirement to open separate accounts in each market or currency.

• High conversion spreads and intermediary fees that reduce profitability.

• Multi-day settlement cycles through correspondent networks.

• Limited ability to receive or hold USD or EUR outside domestic markets.

• Poor visibility into incoming and outgoing cross-border payments.

These structural inefficiencies make global operations more complex and capital-intensive.

How Helm Simplifies Multi-Currency Accounts for Exporters and Global Traders

Helm is designed specifically for businesses that operate across markets and currencies. Whether exporting goods, providing cross-border services, or managing global supplier payments, Helm enables complete operational control from one unified platform.

Helm provides exporters and trading firms with modern, compliant infrastructure for cross-border operations.

• Dedicated multi-currency accounts – Hold and manage USD, EUR, GBP, and USDC under one account structure.

• Global payment acceptance – Receive funds from international buyers and platforms without forced conversion.

• Instant or next-day settlements – Improve liquidity and manage cash flow effectively.

• Controlled conversions – Execute FX when advantageous, preserving margins and eliminating unnecessary costs.

• Integrated treasury platform – Monitor all balances, transactions, and FX activity in one secure dashboard.

• Compliance-first design – Operate on licensed infrastructure with full AML, KYC, and PSD2 oversight.

• Dedicated account management – Expert support to help exporters scale operations confidently.

The impact: Exporters using Helm reduce settlement times from three-to-five days to hours, eliminate conversion losses averaging 2–4%, and gain complete control over their global payment flows and treasury operations.

With direct access to USD, EUR, GBP, and USDC accounts, exporters can invoice, receive, and manage payments globally without relying on multiple banking relationships or enduring conversion delays.

Get Started with Helm

Opening a multi-currency business account with Helm is straightforward, secure, and fully compliant. Once verified, your business can receive and hold funds in multiple currencies — optimising liquidity and simplifying international trade operations.

Start here: Open an account with Helm

About Helm

Helm is the financial operating system for global businesses. We provide USD, EUR, GBP, and USDC accounts, cross-border payments, multi-currency wallets, and global Visa cards — all built on licensed infrastructure with bank-grade compliance. Trusted by companies moving capital across 100+ countries, our partners include Stripe, Visa, and Bridge, enabling secure and scalable financial infrastructure worldwide.

Learn more at www.helmpay.co or contact us at hello@helmpay.co.