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While multi-currency accounts—where you can hold, receive, and spend in various currencies—can greatly simplify global financial life, Wells Fargo does not offer such accounts for personal users. Its multi-currency capabilities are confined to a corporate-only service called International Treasury Management.

For individual customers, the available international services are more limited:

• Foreign cash orders: You can order foreign currency through online or mobile banking. The minimum is USD 200, while orders over USD 3,000 must be picked up in-branch. Delivery typically takes 2 to 7 business days.
• International wire transfers: Available to over 200 countries, denominated in USD or foreign currency. Fees start at USD 25 online and USD 40 in-branch, with additional costs embedded in marked-up exchange rates.
• Markup on exchange rates: Wells Fargo sets its own exchange rates with markups and generates profit from currency conversions. Rates and fees vary by transaction type and channel.

In contrast, DogPay offers a modern global payments platform blending Web2 and Web3 elements. It functions like a multi-currency account, enabling users to hold and convert among fiat and cryptocurrencies, and supports virtual card usage (e.g., Apple Pay and online payments). Serving over 180 countries, DogPay emphasizes low-cost operations—claiming up to 90% saving on fees and even zero-fee transactions in some scenarios.

Side-by-Side Comparison

To wrap up, Wells Fargo’s international services offer traditional routes like cash orders and wire transfers—but with less flexibility and higher costs—while DogPay serves as a lean, cost-effective, and digital-friendly alternative for anyone seeking comprehensive multi-currency management.