cost
Cobrar internacionalmente: la configuración más limpia para freelancers
Cómo los freelancers cobran a clientes del extranjero sin perder en comisiones ni esperar una semana — datos locales, conversión barata y liquidación rápida.
Tools we actually use for this
SponsoredTrack the real cost of a city by spending only on Revolut for a week. The app categorises everything in EUR, so your "I think it costs ~€1 400/month" turns into a number. Revolut ↗
If your income is in another currency, use Wise instead of your home bank — at €2 000/month, the saving on FX margins is roughly €60 every transfer. Wise ↗
Once your runway is solid, parking the buffer on a P2P platform (Esketit) at 10-13% beats letting it idle at 0.5% on a current account. Esketit ↗
Frequently asked
- Why do international payments cost me so much?
- Traditional bank wires stack a sending fee, an intermediary-bank fee, a receiving fee, and a marked-up exchange rate — four bites on one payment. On a 2,000-dollar invoice that can quietly cost 60 to 100 dollars and several days.
- What is the cleanest way to receive money?
- A multi-currency account that gives you local account details in your clients’ currencies, so they pay a "local" transfer with no international fee, and you convert to your own currency at the mid-market rate only when you choose.
- How should I invoice to avoid disputes about fees?
- State the currency, the exact amount you must receive, and that any sending fees are the client’s responsibility. Giving local details in their currency removes the excuse entirely — to them it looks like a domestic payment.
- How do I handle multiple client currencies?
- Hold each currency in its own balance and convert in batches when the rate suits you, rather than auto-converting every payment on arrival. You control the timing and avoid paying the spread on every single invoice.
More on cost
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Vivir bien con menos de 1.200 €/mes: los 10 países donde tu euro rinde más en 2026.
costCoste de vida en Lisboa 2026: cifras mensuales reales
2.400 €/mes todo incluido para nómada solo en 2026. Alquiler, comida, coworking, transporte, y cómo bajar a 1.800 €.
costEstrategias de alojamiento de larga estancia para nómadas
Cómo los nómadas ahorran 30-50% en alquiler en 2026: Airbnb mensual, Flatio, grupos locales, subarrendamientos, confianza del casero — y cuándo evitar Airbnb.
- cost
Revolut para nómadas digitales europeos en 2026
Cómo los nómadas EU usan Revolut en 2026 para gasto diario, FX mensual, tarjetas virtuales y transferencias instantáneas, y dónde Wise sigue ganando para ingresos transfronterizos.
- cost
Revolut vs Wise vs N26 para nómadas europeos (2026)
Las tres cuentas que los nómadas EU realmente llevan en 2026 — Revolut para gasto diario, Wise para ingresos transfronterizos, N26 para un IBAN bancario EU real. Cuál poner como principal.
- cost
Gastar en el extranjero con Revolut en 2026
Cómo usar Revolut fuera sin sorpresas en 2026 — tarjetas virtuales, tope mensual de FX, markup de fin de semana, límites de cajero, y el resumen de gasto que sí cambia tu presupuesto.
Sister site · Slate Remote
The remote job, wherever you are
Useful for this trip
Wise
bankingMulti-currency account with real exchange rates. Receive in 40+ currencies.
Revolut
bankingFree EU account with virtual cards. Spend abroad at the real exchange rate.
Qonto
bankingBusiness banking for freelancers and SMEs in France and Europe. 60-100€ welcome bonus.
Esketit
investingP2P lending with 10-13% yields. Diversify part of your nomad savings outside crypto.
Uber
mobility creditsRide-share in every nomad city. 50% off your first 5 rides via this link.
Uber Eats
mobility creditsFood delivery. New users get €10 off their first order.
Cuenta multidivisa
Cobra en cualquier divisa y deja de perder en el cambio.
Una cuenta Wise te da datos para recibir en EUR, USD, GBP y más de 40 divisas, conversión al cambio real cuando tú decides, y una tarjeta que gasta en el extranjero sin recargo. La tubería estándar del dinero nómada.