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Is there a card that supports payments in CNY, USD and EUR?

Last update: December 4, 2025

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Providers such as WorldFirst, HSBC, Revolut, and CNCBI offer cards that are specifically designed to support payments in multiple currencies, including CNY (Chinese yuan or renminbi), USD and EUR. Here’s a breakdown of the top options.

Multi-currency business card comparison (CNY, USD, EUR)

	World Card (WorldFirst)	HSBC Global Money Card	Revolut Business Card	CNCBI Multi-Currency Card
Supports CNY, USD, EUR	CNH, USD, EUR	CNY, USD, EUR	CNY, USD, EUR	CNY, USD, EUR
Currency holding	20+ currencies in World Account	Multiple currency balances	30+ currency accounts	10 currencies
FX fees	No FX fees on 15 currencies (including CNH, USD, EUR)	No HSBC FX fees on supported currencies	FX fees after free allowance (0.5%+)	No FX fee on supported currencies
Card type	Virtual (Mastercard)	Physical + Digital (Visa)	Physical + Virtual	Physical
Cashback	Up to 1.2% unlimited cashback on eligible business spend, paid monthly	None	None	0.2% cashback on spend
Multi-card support	Up to 20 virtual cards	Single card only	Up to 200 virtual cards	One card per account
Integrated accounting tools	Xero, NetSuite	No	Yes (via API or integrations)	No
Monthly fees	None	None	From AUD 21/month	None
Best for	SMEs, global sellers, import/export	Frequent travellers, personal or SME use	Startups needing scalable card control	HK-based businesses or individuals

1. World Card by WorldFirst

Best for: SMEs, e-commerce sellers, import/export businesses, global marketing teams.

Currencies supported:

150+ currencies globally, including CNY, USD and EUR
15 major currencies with zero FX fees
Hold 20+ currencies in your World Account

Key features:

Virtual card with instant issuance
0% FX fees on 15 major currencies
Up to 1.2% cashback on monthly card spend
Create up to 20 virtual cards – by team, supplier, or expense type
Works with Alipay for in-person payments in China
Spend wherever Mastercard is accepted

Expense management:

Set card limits by team, department, or region
Integrates with Xero and NetSuite
Fast payments for ads, suppliers, subscriptions

Fees:

Free account & card
No setup, withdrawal or issuance fees
FX markup: Up to 0.5%, or 0.8% for CNH to platforms like 1688.com

Open a World Account for free today.

2. HSBC Global Money Debit Card

Best for: Individuals or small businesses who travel frequently or spend globally

Currencies supported:

Spend or withdraw in 18 currencies including CNY, USD, EUR
Uses HSBC’s exchange rate or Visa exchange rate for other currencies

Key features:

Physical and digital card (Apple Pay & Google Pay supported)
No HSBC fees for foreign currency transactions
Spend directly from currency balances (if available)

Account management:

Manage card via HSBC mobile app
Supports contactless and ATM withdrawals globally

Fees:

No card or delivery fee
No fees on HSBC side for currency transactions
ATM operator fees may apply

3. Revolut Business Card

Best for: Startups or businesses needing many virtual cards and deep currency control.

Currencies supported:

Hold balances in 30+ currencies including CNY, USD, EUR
Spend in 130+ currencies

Key features:

Issue up to 200 virtual cards
Control spend by team, category or time
Connect with Apple Pay / Google Pay
Smart analytics and reporting

Fees:

Monthly pricing starts at AUD 21
Free card issuance (limits apply)
0.5% top-up fee after free threshold (e.g., AUD 2,000)
Revolut Business Pricing

4. CNCBI Multi-Currency Debit Card

Best for: Hong Kong-based businesses or individuals working across Asia-Pacific

Currencies supported:

10 currencies: CNY, USD, EUR, HKD, AUD, CAD, GBP, JPY, NZD, SGD
Direct transaction settlement — no conversion needed if balance exists

Key features:

0% FX fees on eligible transactions
0.2% cashback on eligible purchases
Cash withdrawals at global ATMs (Mastercard, JETCO network)

Account management:

Managed through the inMotion app
Real-time control and spending alerts

Fees:

No handling or transaction fees
Cashback and FX promotions available
Apply via inMotion app

What to look for in a multi-currency card:

Every card provider is a little different. When you’re choosing a multi-currency card for business use, consider the following features:

Direct support for key currencies (like CNY, USD and EUR). Make sure the card allows you to spend directly in these currencies, rather than converting from your home currency every time you pay
Low or no FX fees. Some providers add hidden markups to exchange rates. Look for cards that offer zero FX fees or transparent, capped rates (like World Card’s cap 0.5% for FX fees)
Virtual vs physical cards. Choose virtual cards for fast setup and online spending, or physical cards if you need to withdraw cash or pay in person abroad
Spending control features. Tools like spending limits, card-level restrictions and real-time tracking help manage employee expenses or control ad budgets
Accounting integrations. Seamless syncing with platforms like Xero or NetSuite can save time on bookkeeping and reporting

If you’re a business dealing in CNY, USD, and EUR regularly and want full visibility, no FX surprises, and financial rewards, World Card by WorldFirst is the most versatile and SME-focused option. It’s ideal for e-commerce sellers, digital marketers, and import/export businesses operating internationally.

FAQs: Multi-currency business cards for CNY, USD & EUR

1. Can I use multi-currency cards to pay suppliers in China directly in CNY?

Yes – as long as the card supports CNY (or CNH, the offshore version of CNY), you can pay Chinese suppliers directly without needing to convert from another currency.

For example, the World Card from WorldFirst supports CNH with zero FX fees if you hold a CNH balance, and it even works with Alipay for in-person payments in China.

2. Are there any FX fees when I pay in USD or EUR?

It depends on the provider. With WorldFirst’s World Card, there are no FX fees when you pay in 15 supported currencies, including USD and EUR, using your existing account balance. If the currency isn’t directly supported or held, a small FX markup may apply (capped at 0.5%).

3. What’s the difference between holding a currency and converting at checkout?

Holding a currency means your card spends directly from that balance – no conversions, no added fees. Some cards only convert at the moment of payment, which can cost more. World Card, HSBC Global Money, and CNCBI all allow you to hold specific currencies and spend directly from them.

4. How quickly can I get and use a virtual card?

Virtual cards are usually issued instantly after application. For example, with WorldFirst, you can create and start using a World Card within minutes via your World Account dashboard – no physical delivery required.

5. Can I issue multiple cards for different teams or expense types?

Yes – most business-focused cards offer this. World Card allows you to create up to 20 virtual cards, which can be assigned by team, currency, budget, or purpose (e.g. ad spend, supplier payments, subscriptions). This helps you track and manage expenses more effectively.

Sources

https://www.hsbc.co.uk/current-accounts/products/global-money/

https://www.expat.hsbc.com/international-banking/products/global-money/debit-card/

https://www.revolut.com/travel/travel-money-card/

https://www.worldfirst.com/au/insight/business-banking-insights/best-multi-currency-cards/

https://www.revolut.com/travel/chinese-yuan-renminbi-card/

https://www.cncbinternational.com/personal/multi-currency-debit-card/en/index.html

Jennifer Dodd leads marketing for WorldFirst UK, and has over 20 years' experience in financial services and publishing.

Jennifer Dodd

Author

Regional Marketing Lead, WorldFirst UK

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Is there a card that supports payments in CNY, USD and EUR?