Multi-Currency Accounts in EUR, USD and GBP
A PAA CAPITAL account lets you hold, receive and send money in euros, US dollars and British pounds from one place. It is built for individuals, freelancers and companies whose clients, suppliers or staff are spread across several countries.
Accounts are provided by PAA CAPITAL LLC, a money services business registered with the U.S. Financial Crimes Enforcement Network (FinCEN), MSB Registration No. 31000344044610.
What you get
- Accounts in EUR, USD and GBP. Additional currency accounts are free of charge.
- Incoming and outgoing international payments through the SWIFT network. See International payments.
- Currency conversion between your account currencies. See Foreign exchange.
- Stablecoin settlement in USDT and USDC, converted to and from fiat currency. See Stablecoin settlement.
- Free transfers between your own accounts and to other PAA CAPITAL clients.
- No volume limits. Larger transactions may require additional documentation in line with applicable regulatory requirements.
Who it is for
- Individuals and freelancers who are paid in one currency and spend in another, or who work with clients abroad.
- Small and medium-sized companies that invoice international clients or pay suppliers in several currencies.
- Larger organisations with specific needs such as multi-user access, role-based permissions and advanced reporting (Enterprise plan).
Who can open an account
Individuals and companies located outside the United States. Within the United States, accounts are opened only for residents and companies of Montana.
Fees
| Personal plan (individuals and freelancers) | €300 one-time setup fee, then €20 per month |
| Business plan (small and medium-sized companies) | €750 one-time setup fee, then €30 per month |
| Enterprise plan | Onboarding fee and pricing agreed individually, based on volume and business model |
| Incoming and outgoing payments | 0.5% + 20 in the transaction currency |
| Transfers between own accounts and between users | Free |
| Additional currency accounts | Free |
The full fee schedule is on our Pricing page.
How to open an account
- Apply online at onboarding.paacapital.com. It takes about 10 minutes.
- Verify your identity through a secure link: a photo of your passport or ID card and a short selfie.
- Compliance review. Our team carries out KYC and anti-money-laundering checks and may ask for additional information.
- Account activation. Once approved, you receive your login details by email.
Questions
Who is my contractual partner?
PAA CAPITAL LLC, 1001 S Main St, Ste 49, Kalispell, MT 59901, USA.
Why is there a one-time setup fee?
Every new account requires identity verification, due diligence and compliance checks under our anti-money-laundering program, as well as onboarding configuration.
Can I add more currencies later?
Yes. Additional currency accounts are free.
What does “transaction currency” mean?
It is the currency in which a transfer is executed. The fixed fee of 20 is always charged in that currency (EUR, USD, GBP, etc.).
Open an account → Questions? Contact us.