Sarah Chen
COO · Acme Studios
Just hired our first 5 contractors in Eastern Europe. Anyone got a clean way to pay them in EUR without losing 3% on every transfer?
2h
@benbuilds
Indie SaaS founder
shipped my SaaS to 3 EU customers last week, got destroyed on bank fees again. anyone got a stack rec?
r/smallbusiness
u/runbookrunner · 86 ↑
Best multi-currency account for a 6-person remote team in 2026? Wise vs Revolut Business — actual experiences please.
Y12h
Show HN: Cross-border payroll
jdoe · 134 pts · 47 comments
Built this after 3 months untangling international contractor payments. Looking for harsh feedback.
@deepa_codes
CTO @ frame.fm
why is sending GBP→EUR in 2026 still slower than sending an actual letter. like physically by post.
r/freelance
u/tilde_dev · 42 ↑
Client wants to pay in USD but I invoice in GBP. Wise borderless or Revolut? leaning Wise after the Mercury saga.
Sarah Chen
COO · Acme Studios
Just hired our first 5 contractors in Eastern Europe. Anyone got a clean way to pay them in EUR without losing 3% on every transfer?
@benbuilds
Indie SaaS founder
shipped my SaaS to 3 EU customers last week, got destroyed on bank fees again. anyone got a stack rec?
r/smallbusiness
u/runbookrunner · 86 ↑
Best multi-currency account for a 6-person remote team in 2026? Wise vs Revolut Business — actual experiences please.
Y12h
Show HN: Cross-border payroll
jdoe · 134 pts · 47 comments
Built this after 3 months untangling international contractor payments. Looking for harsh feedback.
@deepa_codes
CTO @ frame.fm
why is sending GBP→EUR in 2026 still slower than sending an actual letter. like physically by post.
r/freelance
u/tilde_dev · 42 ↑
Client wants to pay in USD but I invoice in GBP. Wise borderless or Revolut? leaning Wise after the Mercury saga.
@runwith_it
Building remote agency
scaled the team from 4 to 18 in 3 months. fx fees on contractor pay are eating margin. throwing it out there.
Priya Iyer
CFO · Northwind Labs
Closing the books for Q1 — bank spread on cross-border payments crossed £8k this quarter. There has to be a better way.
Marcus Patel
Founder · Loop & Grain Bakery
Tips on paying our Italian flour supplier without bleeding 4% to FX? Bank quote is laughable.
Hannah Okafor
Head of Ops · Pulse Health
We spent £14k on FX last year. Looked at the line item this morning and almost cried. Booking demos.
@tara_pmf
PMF coach · Y Combinator
every founder I talked to this week lost money on FX. every one. the swipe is enormous and nobody talks about it.
James O'Brien
Founder · Slate Robotics
Procurement question: paying €40k to a Polish supplier monthly. Bank wants 3.2%. Where do you actually go in 2026?
@runwith_it
Building remote agency
scaled the team from 4 to 18 in 3 months. fx fees on contractor pay are eating margin. throwing it out there.
Priya Iyer
CFO · Northwind Labs
Closing the books for Q1 — bank spread on cross-border payments crossed £8k this quarter. There has to be a better way.
Marcus Patel
Founder · Loop & Grain Bakery
Tips on paying our Italian flour supplier without bleeding 4% to FX? Bank quote is laughable.
Hannah Okafor
Head of Ops · Pulse Health
We spent £14k on FX last year. Looked at the line item this morning and almost cried. Booking demos.
@tara_pmf
PMF coach · Y Combinator
every founder I talked to this week lost money on FX. every one. the swipe is enormous and nobody talks about it.
James O'Brien
Founder · Slate Robotics
Procurement question: paying €40k to a Polish supplier monthly. Bank wants 3.2%. Where do you actually go in 2026?
r/Entrepreneur
u/morning_calm · 211 ↑
Cross-border invoicing nightmare. EU clients pay in EUR, US clients in USD, I sit in the UK. Stack recs welcome.
@nikhil_makes
YC W26
three of our customers asked us to invoice in their local currency this week. we said yes. now we have a problem.
Elena Rossi
COO · Tessera Studio
Looking for a multi-currency stack for a 12-person design studio. We bill in GBP, USD, EUR. Open to all suggestions.
Y1d
Ask HN: best multi-currency for SMB
kvetch · 78 pts · 52 comments
Six-person agency, three currencies, zero patience for FX spreads. What's the 2026 stack?
@founderfix
ex-Stripe, building stuff
unpopular take: the actual moat in fintech is making fees boring and predictable. nobody else does this.
Devraj Mehta
Finance Lead · Helix AI
Quarterly close: the FX line is now bigger than our SaaS spend. Time to fix this.
r/Entrepreneur
u/morning_calm · 211 ↑
Cross-border invoicing nightmare. EU clients pay in EUR, US clients in USD, I sit in the UK. Stack recs welcome.
@nikhil_makes
YC W26
three of our customers asked us to invoice in their local currency this week. we said yes. now we have a problem.
Elena Rossi
COO · Tessera Studio
Looking for a multi-currency stack for a 12-person design studio. We bill in GBP, USD, EUR. Open to all suggestions.
Y1d
Ask HN: best multi-currency for SMB
kvetch · 78 pts · 52 comments
Six-person agency, three currencies, zero patience for FX spreads. What's the 2026 stack?
@founderfix
ex-Stripe, building stuff
unpopular take: the actual moat in fintech is making fees boring and predictable. nobody else does this.
Devraj Mehta
Finance Lead · Helix AI
Quarterly close: the FX line is now bigger than our SaaS spend. Time to fix this.
Kira Lindqvist
Agency owner · Lisbon
paying 11 contractors across 6 countries this Friday. tell me about your favourite multi-currency tool.
r/digitalnomad
u/coastalpilot · 54 ↑
UK ltd, clients in 4 currencies. Wise has been solid for 3 years. Anyone tried the new Revolut Pro tier?
@maddie_codes
staff eng, remote
fintech twitter what's the move in 2026 for paying international contractors. asking for every founder I know.
Aaron Wexler
CEO · Brightling
Our finance team mapped out the FX losses last year. Six figures. We're actively looking for a better partner.
Y50m
theo · klima.so
Show HN · 92 pts
small business banking in europe is fine. small business *cross-border* banking is a clown show. fight me.
@build_in_lon
London startup scene
every founder dinner this month somebody brings up FX fees. every one. someone please ship a fix.
Kira Lindqvist
Agency owner · Lisbon
paying 11 contractors across 6 countries this Friday. tell me about your favourite multi-currency tool.
r/digitalnomad
u/coastalpilot · 54 ↑
UK ltd, clients in 4 currencies. Wise has been solid for 3 years. Anyone tried the new Revolut Pro tier?
@maddie_codes
staff eng, remote
fintech twitter what's the move in 2026 for paying international contractors. asking for every founder I know.
Aaron Wexler
CEO · Brightling
Our finance team mapped out the FX losses last year. Six figures. We're actively looking for a better partner.
Y50m
theo · klima.so
Show HN · 92 pts
small business banking in europe is fine. small business *cross-border* banking is a clown show. fight me.
@build_in_lon
London startup scene
every founder dinner this month somebody brings up FX fees. every one. someone please ship a fix.
Yuki Tanaka
Head of Finance · Mira Health
We're scaling into 4 EU markets this year. Need a payments stack that doesn't bleed us on every transaction.
r/startups
u/mute_button · 98 ↑
Paying our offshore team is the single most painful operation we do. There has to be a 2026 answer here.
@pace_layer
design lead · Kinship
getting paid in USD, paying in EUR, living in GBP. the bank takes a slice from every direction. send help.
Tomás Reyes
Founder · Curve Coffee
Importing beans from Colombia, paying roasters in Berlin, selling in London. The FX bill is becoming a real cost line.
@ops.amelia
Ops · Finch Labs
spent the morning reconciling 14 international wires. ended up googling 'wise business api' again. third time this month.
@callum_ops
COO @ Loop
cross-border SMB payments is the largest unfun problem in finance. fix it for me i'll be your first customer.
Yuki Tanaka
Head of Finance · Mira Health
We're scaling into 4 EU markets this year. Need a payments stack that doesn't bleed us on every transaction.
r/startups
u/mute_button · 98 ↑
Paying our offshore team is the single most painful operation we do. There has to be a 2026 answer here.
@pace_layer
design lead · Kinship
getting paid in USD, paying in EUR, living in GBP. the bank takes a slice from every direction. send help.
Tomás Reyes
Founder · Curve Coffee
Importing beans from Colombia, paying roasters in Berlin, selling in London. The FX bill is becoming a real cost line.
@ops.amelia
Ops · Finch Labs
spent the morning reconciling 14 international wires. ended up googling 'wise business api' again. third time this month.
@callum_ops
COO @ Loop
cross-border SMB payments is the largest unfun problem in finance. fix it for me i'll be your first customer.
Iris Lambert
Founder · Quill & Co.
Running payroll for a remote-first team across 7 timezones. The FX cost is now my second-biggest line item.
@liv.builds
Building tinybar.io
fx is the silent tax on every cross-border startup. would pay actual money for a tool that just made it disappear.
r/financialindependence
u/cashflow_devi · 67 ↑
Solo consultant, three currencies. The annual FX leak adds up to a vacation. Looking at Wise Business this week.
Noah Bekker
Founder · Fieldnote
Closing our seed round means hiring across borders. The first thing on my list isn't an ATS — it's FX.
@asha_writes
newsletter · 38k subs
weekly reminder that 'banking is solved' is a lie sold by people who only ever pay in one currency.
Y11h
Ask HN: switching from Wise?
dan_p · 41 pts
Three years on Wise Business, considering Revolut Pro. Anyone made the jump? What broke?
Iris Lambert
Founder · Quill & Co.
Running payroll for a remote-first team across 7 timezones. The FX cost is now my second-biggest line item.
@liv.builds
Building tinybar.io
fx is the silent tax on every cross-border startup. would pay actual money for a tool that just made it disappear.
r/financialindependence
u/cashflow_devi · 67 ↑
Solo consultant, three currencies. The annual FX leak adds up to a vacation. Looking at Wise Business this week.
Noah Bekker
Founder · Fieldnote
Closing our seed round means hiring across borders. The first thing on my list isn't an ATS — it's FX.
@asha_writes
newsletter · 38k subs
weekly reminder that 'banking is solved' is a lie sold by people who only ever pay in one currency.
Y11h
Ask HN: switching from Wise?
dan_p · 41 pts
Three years on Wise Business, considering Revolut Pro. Anyone made the jump? What broke?
Sarah Chen
COO · Acme Studios
Just hired our first 5 contractors in Eastern Europe. Anyone got a clean way to pay them in EUR without losing 3% on every transfer?
@benbuilds
Indie SaaS founder
shipped my SaaS to 3 EU customers last week, got destroyed on bank fees again. anyone got a stack rec?
r/smallbusiness
u/runbookrunner · 86 ↑
Best multi-currency account for a 6-person remote team in 2026? Wise vs Revolut Business — actual experiences please.
Y12h
Show HN: Cross-border payroll
jdoe · 134 pts · 47 comments
Built this after 3 months untangling international contractor payments. Looking for harsh feedback.
@deepa_codes
CTO @ frame.fm
why is sending GBP→EUR in 2026 still slower than sending an actual letter. like physically by post.
r/freelance
u/tilde_dev · 42 ↑
Client wants to pay in USD but I invoice in GBP. Wise borderless or Revolut? leaning Wise after the Mercury saga.
Sarah Chen
COO · Acme Studios
Just hired our first 5 contractors in Eastern Europe. Anyone got a clean way to pay them in EUR without losing 3% on every transfer?
@benbuilds
Indie SaaS founder
shipped my SaaS to 3 EU customers last week, got destroyed on bank fees again. anyone got a stack rec?
r/smallbusiness
u/runbookrunner · 86 ↑
Best multi-currency account for a 6-person remote team in 2026? Wise vs Revolut Business — actual experiences please.
Y12h
Show HN: Cross-border payroll
jdoe · 134 pts · 47 comments
Built this after 3 months untangling international contractor payments. Looking for harsh feedback.
@deepa_codes
CTO @ frame.fm
why is sending GBP→EUR in 2026 still slower than sending an actual letter. like physically by post.
r/freelance
u/tilde_dev · 42 ↑
Client wants to pay in USD but I invoice in GBP. Wise borderless or Revolut? leaning Wise after the Mercury saga.
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