You can use Wise [0] as a sort of bank (to receive money on) and the nice thing is, you can open accounts for many different types of currencies. This way, your clients can pay in their native currencies and you can just (cheaply) change into your local currency if needed, as Wise exchange fees are generally lower than most banks.
Wise also offers a debit card, but not available in every country.
But I am not sure if Wise is a real bank, so might not be covered by protection schemes. This is something you'd have to verify by yourself.
My previous US client paid to my USD account at Wise, my current AUD client pays to my AUD account at Wise. If I need to send money over from The Netherlands I use my EUR account at Wise. I usually transfer money over to Thailand, and Wise does the currency conversion (cheaper than banks from The Netherlands).
Wise also offers a debit card, but not available in every country.
But I am not sure if Wise is a real bank, so might not be covered by protection schemes. This is something you'd have to verify by yourself.
My previous US client paid to my USD account at Wise, my current AUD client pays to my AUD account at Wise. If I need to send money over from The Netherlands I use my EUR account at Wise. I usually transfer money over to Thailand, and Wise does the currency conversion (cheaper than banks from The Netherlands).
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[0]: https://wise.com