WorldFirst vs nSave vs Grey: Fees and features comparison [2026]

Here’s a side-by-side look at how WorldFirst, nSave and Grey compare across fees, supported currencies, business account availability and payment features

Key takeaways

• WorldFirst, nSave and Grey help businesses with cross-border payments, but their supported currencies, pricing structures and payment features vary across the board
• WorldFirst offers a multi-currency account with 20+ local receiving accounts, marketplace integrations, and virtual cards
• nSave provides foreign currency business accounts in USD, EUR and GBP along with virtual debit cards¹
• Grey focuses on African users, offering business accounts in Nigeria and personal accounts in Kenya, Ghana and Morocco²

Choosing a cross-border payment provider for your business usually comes down to a few practical questions:

• Which currencies you need to hold, send, or receive
• Where your customers pay from
• Whether you can receive marketplace payouts
• How much each transfer costs

WorldFirst, nSave and Grey all help businesses handle international payments, but they approach it very differently. This guide compares the three on business account availability, supported currencies, fees, and cross-border payment features.

When does a business need a cross-border payment provider?

As international transactions become a regular part of a business’ operations, cross-border payment providers can offer additional features designed for global business. Businesses can consider switching when they:

• Receive payments from overseas customers regularly
• Sell through international marketplaces
• Pay overseas suppliers or contractors
• Need to hold multiple currencies
• Want virtual cards for international business expenses
• Make frequent cross-border transfers

What is WorldFirst?

WorldFirst is a global payments provider that helps around one million businesses with international payments. Its World Account is a multi-currency account that lets businesses send, receive, hold and convert funds in 15+ currencies from one account. Businesses also get local receiving account details, making it easier to collect payments from overseas customers and marketplaces like a local.

Businesses can use the World Account to make supplier payments in 100+ currencies, receive payments from 130+ marketplaces and payment gateways, and access the World Card for business spending in 150+ currencies. Transactions funded from available balances in these 15+ supported currencies incur no foreign exchange fees. Eligible businesses can issue up to 20 virtual cards at no additional cost.

What is nSave?

nSave is a cross-border payments provider that offers foreign currency accounts for businesses in Nigeria, Kenya and Morocco.^1,3 Businesses can send, receive, hold and convert funds in supported currencies like EUR, USD, GBP at 0.6% from a single account.^1,4 While other accounts can send/recieve in all supported curreices, GBP accounts can only receive GBP.^5,7

Alongside international payments, nSave provides business tools such as bulk payouts, payroll and expense management.⁵ Eligible businesses can also access virtual debit cards for online business spending.⁶

What is Grey?

Grey is a cross-border payments provider that helps individuals and businesses send, receive, hold and exchange foreign currencies.² Business accounts are currently available in Nigeria, while personal accounts are offered in Nigeria, Kenya, Ghana and Morocco, with features varying by country.^2,8,9,10

Nigerian businesses can receive international payments through local USD account details, make cross-border payments and bulk payouts, and issue virtual Visa and Mastercard prepaid cards for online business spending.^2,11

→ For more details, read the Grey review and explore Grey alternatives

Fees breakdown

Take a look at the fees for all three providers to compare the accounts head-on:

*Fees checked June 2026

*nSave business accounts available in Nigeria, Kenya and Morocco. Grey business accounts available in Nigeria only–Kenya, Ghana and Morocco users can access personal accounts only

Feature comparison

Local currency accounts and supported currencies

WorldFirst offers a multi-currency account that allows businesses to hold balances in 15+ currencies, including USD, EUR, GBP, AUD, CNH and more. Funds can be held without immediate conversion and exchanged when required. Businesses can also send payments in more than 100 currencies across over 200 countries and regions.

nSave offers foreign currency business accounts in Nigeria, Kenya and Morocco.¹ Businesses can receive, hold, convert and send funds in USD, EUR and GBP.^1,5

Grey Business is currently available in Nigeria and provides USD account details for businesses.² Customers in Ghana can access USD, EUR and GBP through personal accounts, while Moroccan customers can receive EUR and GBP through personal accounts with automatic conversion into Moroccan Dirhams.^9,10 Grey also supports international payments through personal accounts in Kenya, although the complete list of supported currencies is not specified.⁸

Marketplace and payment gateway integrations

WorldFirst supports collections from 130+ marketplaces and payment gateways, including Amazon, Etsy, Shopify, AliExpress and Stripe.

Neither nSave nor Grey currently state specific integrations with global marketplaces or payment gateways.

Payments to China

WorldFirst allows businesses to pay suppliers directly in CNH through World Pay without opening a Chinese bank account. The platform also supports payments to suppliers selling through 1688.com, making it suitable for businesses sourcing products from China.

Both nSave and Grey (only personal accounts) are operational in China, but neither specifically highlight any business-focused China payment features.^3,15

Multi-currency cards

WorldFirst includes the World Card, a Mastercard-powered virtual business card linked directly to the World Account. Businesses can issue up to 20 virtual cards without additional charges, and purchases made using available balances in supported currencies do not incur FX fees.

nSave offers virtual debit cards for business spending, subscriptions and online purchases.⁶ Cards can be accessed directly within the app, including instant freeze and unfreeze controls.⁶

Grey provides prepaid virtual VISA and Mastercard cards that can be used with global merchants.¹¹ The cards support Apple Pay and Google Pay, but users pay a one-time card creation fee depending on the card type.^11,12

WorldFirst vs nSave vs Grey: side-by-side feature comparison table

*Details checked in July 2026

Choose a provider based on how your business gets paid

Different businesses have different payment flows, so the right provider often depends on where your money comes from and where it needs to go:

WorldFirst, nSave or Grey: Which suits your business?

Cross-border payment providers are built for different business needs, so there is no one-size-fits-all choice. Rather than focusing on a single fee or feature, compare the overall offering. Factors such as account availability, supported currencies and payment costs all influence how efficiently you can send/receive international transactions and determine which provider is the best fit for your business.

FAQs

Which African countries can businesses use Grey and nSave in?

nSave business accounts are currently available in Nigeria, Kenya and Morocco.¹ Grey Business is available in Nigeria, while customers in Kenya, Ghana and Morocco can access Grey’s personal accounts for international payments.^2,8,9,10

Can you receive marketplace payouts like Amazon or Etsy through nSave or Grey?

Neither nSave nor Grey explicitly state direct integrations with marketplaces such as Amazon or Etsy.

What is the difference between nSave’s foreign currency accounts and a multi-currency account like WorldFirst?

nSave provides foreign currency accounts that support USD, EUR and GBP for receiving, holding, converting and sending funds.¹ WorldFirst offers a multi-currency account supporting more than 15 currencies, together with local receiving accounts, marketplace collections, supplier payments to China and multi-currency virtual business cards.

Does Grey offer business cards?

Grey offers virtual prepaid VISA and Mastercard payment cards that can be used for online purchases and global spending.¹¹ Business cards are currently available in Nigeria.²

Sources

1. https://www.nSave.com/products/business
2. https://grey.co/business
3. https://intercom.help/nSave_help_center/en/articles/10667646-supported-countries-for-opening-an-nSave-account
4. https://www.nSave.com/pricing-business
5. https://intercom.help/nSave_help_center/en/articles/13769563-nSave-business-account-overview?q=multi-currency
6. https://www.nSave.com/products/cards
7. https://intercom.help/nSave_help_center/en/articles/13572268-gbp-accounts-on-nSave-what-you-can-and-can-t-do
8. https://grey.co/en-ke
9. https://grey.co/en-gh
10. https://grey.co/en-ma
11. https://grey.co/cards
12. https://support.grey.co/en/articles/9819043-full-virtual-card-transaction-limit
13. https://support.grey.co/en/articles/10265140-faq-new-pricing-update
14. https://support.grey.co/en/articles/5450108-conversion-fees
15. https://grey.co/en-cn

This article is intended for informational purposes only and does not constitute legal advice or professional advice. This article should not be regarded as constituting an offer or a solicitation to buy or sell any regulated or financial products or services. WorldFirst makes no representations or warranties regarding the accuracy, completeness, or applicability of the content, and readers are encouraged to consult with legal professionals or other professionals for advice tailored to their specific situation. WorldFirst does not guarantee the accuracy and completeness of this article and expressly disclaims any and all liability to any person in respect of the consequences of anything done or omitted to be done wholly or partly in reliance on this article.