International Money Transfer Personal Account | Transparent FX
Send money internationally from your Netherlands NL IBAN. Up to 2% FX. 190+ countries, 38+ currencies. No hidden markups.
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What Is an International FX Rate?
An FX rate (foreign exchange rate) is the price at which one currency can be converted into another. When you send money internationally or convert between currencies in your account, the FX rate determines how much of the destination currency you receive. NOWE Money charges up to 2% on FX conversions for personal accounts and up to 1.5% for business accounts, across 38+ currencies and 190+ countries, with no additional hidden markups.
NOWE's international FX is embedded directly in your Netherlands NL IBAN account. There is no separate FX platform to configure. Convert when you need to, at a transparent capped rate, for any of 38+ currencies. For international wire transfers outside the SEPA zone, SWIFT is used alongside FX conversion.
NOWE FX Rates at a Glance
personal features
FX Conversion Personal Account
Currency conversion at up to 2% FX. Convert across 38+ currencies directly inside your NOWE account, no separate app needed.
Transparent FX | No Hidden Markups
No exchange rate markup stacked on fees. What you see is what you pay, up to 2%. FX fee transparent across all personal account tiers.
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Send Money Internationally
Send money internationally from your Netherlands NL IBAN to 190+ countries. International money transfer personal account with one dashboard.
Global Reach from NL IBAN
Send money abroad personal account online. Your Netherlands NL IBAN FX unlocks global money transfer to 190+ countries and 38+ currencies from one account.
How to Send Money Internationally with NOWE
open account
Complete the online application at nowemoney.com. Takes ~4 minutes.
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One last step
Verify your identity to complete your account setup. Usually takes 5–10 minutes.
Complete verificationContact support
Get Verified + NL IBAN
NOWE reviews your application. Your Netherlands NL IBAN is issued within 1 business day.
Fund Your Account
Top up your account via SEPA transfer, card, or incoming wire, no minimum balance required.
Convert Currency
Convert at up to 2% FX across 38+ currencies, all inside your NOWE account.
Send Internationally
International FX for Your Life Abroad
Expat Remittance
Send money home or to family abroad. FX conversion personal account at up to 2%, transparent, predictable, no surprise deductions.
Freelancer Foreign Payments
Get paid in GBP or USD, convert to EUR at up to 2% FX. International FX rate personal, all inside your NL IBAN, no extra tool.
Non-EU Resident Transfers
Non-resident international money transfer EU, open online, no local address needed, send abroad from day one.
NOWE Multi-Currency IBAN vs Competitors
Note: Competitor data is indicative and based on publicly available information as of April 2026. Always verify current rates at provider websites.
Choose Your NOWE Plan
NOWE Classic
The free bank account for the self-employed, with cashback
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No Monthly Fee
- FX conversion: up to 2% (P) / 1.5% (B)
- 38+ currencies
- 190+ countries
- SEPA transfers free
- SWIFT transfers (€5)
NOWE Platinum
The free bank account for the self-employed, with cashback
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Billed Monthly
- FX conversion: up to 2% (P) / 1.5% (B)
- 38+ currencies · 190+ countries
- Free SEPA + SWIFT (€2)
- NL IBAN · Team access
- 1% cashback · 24/7 priority
NOWE Black
The free bank account for the self-employed, with cashback
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Billed Monthly
- FX conversion: up to 2% (P) / 1.5% (B)
- 38+ currencies · 190+ countries
- Free SEPA + SWIFT free
- Full API + CSV export
- 2% cashback · Dedicated WhatsApp
FX conversion rate applies equally across all tiers. Physical cards (Platinum & Black) available for customers based in Europe and the UK only. FX conversion and international transfers available globally. Full Plan Details : See Comparison
How non-EU users avoid hidden FX markups with transparent capped pricing
Non-EU individuals use NOWE to convert currencies directly within their NL IBAN account with no hidden fees or separate FX tools.
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Converted currencies at a clear rate, up to 2%, compared to our previous bank charging 3–4% without disclosure.
Our bank never showed the real cost. With NOWE, the rate is clear and fully transparent every time.
Amira K.
SME owner · individual
🇦🇪 UAE
Regulated and safeguarded
FCA authorised
Payment services via Equals Money PLC, authorised and regulated by the UK Financial Conduct Authority.
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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.
Frequently Asked Questions
An FX rate is the price at which one currency converts to another. When you send money abroad from your NOWE account, the provider applies that rate plus any conversion fee. NOWE embeds FX in your Netherlands NL IBAN so you convert and send from one dashboard, with no separate FX platform to configure.
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Send Money Internationally
Netherlands NL IBAN. Up to 2% FX. 190+ countries. Open in ~4 minutes.
Physical cards: Europe and UK only. FX and international transfers: worldwide. Compare plans comparison