Is there a card that supports payments in CNY, USD and EUR?
Last update:
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
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
Lawrence Bennett is UK Country Manager at WorldFirst. He brings 15+ years of experience across fintech, ventures and e-commerce.
Lawrence Bennett
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