Settle in additional currencies

If you accept payments in different currencies around the world, the fees you pay will depend on how you settle those funds to your Stripe account and pay them out to your bank account.

Settle in your default currency

Before incoming currencies settle in your account, Stripe automatically converts them into the default currency of your home country.

If there are multiple bank accounts available for a given currency, Stripe uses the one set as default_for_currency for settlement and payouts.

Settle in a different currency

When you settle funds to your Stripe account in a currency other than the primary currency of your Stripe account country, Stripe applies processing fees in that currency. Use the table below to see the acquiring fees for card usage in each currency.

You can enable or disable settlement in additional currencies from your Dashboard’s payout settings.

Send payouts in local currencies

Any payouts from your Stripe account in a currency other than the primary currency of the country of the recipient bank account incur a fee. Certain payouts to non-domestic bank accounts also incur a fee. For more information on payout fees, see Receive payouts.

To receive payouts in a currency, you must attach a supported bank account whose currency matches the settlement currency in your Dashboard’s payout settings.

If you have accumulated a balance in a currency without an associated bank account, a conversion occurs if you create a manual payout in that currency.

curl https://api.stripe.com/v1/payouts \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -d amount=1000 \
  -d currency=xaf

As long as there are sufficient funds in the balance for the specified currency, Stripe automatically converts the funds to the default bank account’s currency.

Conversions on Stripe fees

If you incur a Stripe fee in a currency for which you don’t have a linked bank account, we automatically convert that fee to your default settlement currency at the time the fee is incurred before charging you. This conversion uses the baseline exchange rate and doesn’t incur any additional fees. For example, if you’re a Stripe Billing user whose default currency is USD, you might incur the 0.5% variable fee when you present in a non-USD currency. If you have a subscriber to whom you present in EUR for their monthly subscription of 100 EUR, we convert that 0.50 EUR Stripe billing fee to USD at the baseline rate at the time of the charge at no additional conversion cost to you.