Foreign currency overview

Ready to diversify? We’re speaking your language.

Discover the foreign currency accounts that can satisfy your investing needs. Our approach is simple: to simplify how you invest in foreign currencies in a very familiar and much less foreign way.1

  • Over 20 currencies available
  • Choose from single currencies or currency groups
  • Automatic purchase plan option2
  • FDIC-insured3
  • IRA-eligible

Account finder

Match your goals to our solutions

  • Access Deposit Account

    Our WorldCurrency Access® Deposit Account offers a smart and familiar way to hold money in a foreign currency. Operating just like a traditional money market account, the account can provide you access via wire transfer to your foreign currency holdings at points across the globe. You can also move money between currencies or back into the U.S. dollar.4

    Learn more
  • Single-Currency CDs

    Are you feeling bullish on a single currency? Gain direct access to a range of major and emerging market currencies with our WorldCurrency® CDs. They’re available in 3-month terms so, at maturity, you can easily move money between currencies, back into the U.S. dollar4 or simply roll over your balance into a new term.

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  • Multi-Currency CD Baskets

    Consider our WorldCurrency® CD Baskets for instant diversification in multiple foreign currencies. Baskets, which are comprised of 3 to 6 individual currency CDs, are available in 3-month terms and offer exceptional diversification in a single investment.

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Access AccountCDsCD Baskets
Minimum to open$2,500 or $100/mo.$10,000$20,000
Open in your currency of choice
Purchase plan available

How we’re different

Invest with confidence

We back our smart, simple and cost-effective solutions for expanding your portfolio with a combination of assurances you’re unlikely to find anywhere else.

Diversify your way

Because every investor is different, including their tolerance for risk, we offer a host of ways to achieve your investment needs and goals.

Turn to a trusted source

Take advantage of the unique opportunity to create a more diverse portfolio through a bank that’s backed by a long history of strength, stability and being there for its clients.

Access to our experts

Let our expertise in the global markets work to your advantage. From day 1, our World Markets experts will be here for you with timely insights and dedicated support.

Frequently asked questions

Yes. Your foreign currency accounts are deposit accounts of EverBank, N.A. that are insured by the FDIC up to standard limits. However, this does NOT mean that your principal is protected. Your funds will fluctuate in value relative to the U.S. dollar, and due to the nature and volatility of the foreign exchange market, the value may fluctuate widely. In the event EverBank, N.A. fails, the FDIC will insure you within standard limits based upon the value of your funds in U.S. dollars at an exchange rate determined by the FDIC.

Invest today

Build your portfolio to perform

Don’t miss out on a market opportunity. Unlock potential today with a foreign currency account.

Information to keep in mind

  1. Deposits denominated in foreign currencies are susceptible to losses and gains due to currency price fluctuations and may result in a loss of principal.

  2. We reserve the right to terminate the Automatic Purchase Plan or your involvement in the Automatic Purchase Plan at any time, for any reason, including but not limited to overdrafts of your companion cash management account.

  3. EverBank, N.A. is an FDIC-insured national banking association. The standard FDIC insurance limit of $250,000 applies per depositor, per insured depository institution for each account ownership category. FDIC insurance covers against loss due to the failure of the institution, but not due to fluctuations in currency values. Due to the nature and volatility of the foreign exchange market, the values of currencies are subject to wide fluctuations against the U.S. dollar. Foreign currency denominated instruments will entail significant risk exposure to adverse movements of the foreign currency relative to the U.S. dollar. The amount of deposit insurance available for products denominated in foreign currency will be determined and paid in the United States dollar equivalent of the foreign currency, as the value of such currency is determined by the FDIC under its regulations, on the institution's date of default. You can lose money, including principal, due to currency fluctuations. Please only deposit money that you can afford to risk, and as part of a broadly diversified strategy.

  4. If you request funds in this account be denominated in a currency other than the currency you deposit with us, we will convert your currency using a Customer Exchange Rate that is within 1% of the Wholesale Rate for the selected foreign currency. The Wholesale Rate is a market price that we determine is available to us in the Wholesale Market for a specific Foreign Currency at a specific point in time. Exceptions may occur if we agree, in our sole discretion, to lock in your rate before the transaction. The Wholesale Rate is determined by us on a transaction-by-transaction basis and varies with the applicable wholesale trading market. Wholesale Rates are not published or publicly available. You are not obligated to conduct Currency Exchange transactions with us. For more information about our Exchange Rates, please see the Specific Terms - WorldCurrency® Deposit Accounts section in the Account Terms, Disclosures and Agreements Booklet.


    While we are now EverBank, your accounts continue to be serviced by TIAA at this time. Please log in with your usual credentials.
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