Amazon Currency Converter for Sellers (ACCS) charges 1.50% of your cross-currency payouts until your trailing 12-month cross-currency net proceeds pass $500,000, then 1.25%, 1.00% above $1 million, and 0.75% above $10 million (sell.amazon.com, data checked 2026-09-30). Some currencies ignore the tiers: JPY payouts pay a flat 2.0%, and AED, CHF, MXN, KRW, and TWD pay a flat 1.5%. For a seller under $500,000 who converts everything to a home currency, Wise’s published conversion fee starts at 0.24%, so Wise is usually the cheaper route; Payoneer’s published withdrawal-with-conversion range of 1.2% to 4% rarely beats ACCS unless you spend the foreign currency without converting it.
This guide walks through the official tiers, the parts of the cost the tier table does not show, and a worked comparison at three sales levels.
What Amazon Currency Converter for Sellers Is
ACCS is the conversion step Amazon applies when your bank account is in a different currency from the store you sell in. A UK seller on Amazon.com with a GBP bank account, for example, gets USD proceeds converted to GBP before they land. Amazon’s help page calls it “an optional service” run through Amazon’s bank service providers (Seller Central help G200381250, data checked 2026-09-30).
You switch it on by adding a local bank account as a deposit method. Per Amazon’s help page, the path is Settings, then Account info, then Deposit Methods under Payment Information, then Assign next to the store and “Use a new bank account,” accepting the ACCS agreement checkbox at the end. Once the account is verified, payouts convert automatically.
Three official details matter before you compare costs:
- Payout currency is fixed by bank location. Amazon’s help page says disbursements are typically made in the local currency of the country where the bank account sits; a UK account receives GBP even if it can accept EUR. The one listed exception is a USD account in Hong Kong receiving Amazon.com proceeds, open to sellers with at least $100,000 in trailing 12-month cross-currency net proceeds.
- Timing. The sell.amazon.com page says funds “generally arrive in your local bank account in 1 to 5 business days”; the Seller Central FAQ gives an average of 2–5 business days and warns the first payment after a bank change can be held up to 14 days.
- Supported currencies. Amazon’s disbursement list has 28 country and region rows, with currencies from EUR, GBP, and USD to INR, MAD, TRY, and TWD (Seller Central help G200497780, data checked 2026-09-30).
If you are still deciding how to set up the business side, the LLC question for non-US sellers is covered separately; Amazon’s registration guide points non-US sellers without a US bank account to ACCS.
ACCS Fee Tiers (Amazon Currency Converter Fees)
Amazon states that its “volume-based pricing is based on your total cross-currency net proceeds during the past 12 months.” Cross-currency means your registered entity location uses a different currency from the store paying you. The Seller Central FAQ publishes a fuller table than the public sell.amazon.com page, with separate columns for CNY and for USD sent to Hong Kong banks (Amazon.com only):
| Trailing 12-month cross-currency net proceeds | Most currencies | CNY | USD to Hong Kong banks |
|---|---|---|---|
| Under $100,000 | 1.50% | 0.90% | Not available |
| $100,000 – $500,000 | 1.50% | 0.70% | 0.70% |
| $500,000 – $1 million | 1.25% | 0.60% | 0.60% |
| $1 million – $10 million | 1.00% | 0.50% | 0.50% |
| $10 million+ | 0.75% | 0.40% | 0.40% |
Sources: sell.amazon.com/programs/amazon-currency-converter and Seller Central help G200381250, both data checked 2026-09-30. The “most currencies” column matches on both pages.
Four rules sit around the table:
- Tiers are recalculated monthly. Amazon’s FAQ says tiers “will be calculated monthly and automatically updated.”
- Volume counts even when you did not use ACCS. The FAQ says total net proceeds are based on your total disbursed volume, “whether you used ACCS or other payment service providers in the past.” Moving payouts to Wise or Payoneer for a year does not reset your tier if you come back.
- The fee is a service fee, shown per payout. In the Payments dashboard, the Final Disbursements Amount tooltip breaks out the ACCS fee, your fee percentage, the fee in local currency, and the exchange rate applied.
- Taxes can be added on top. Amazon’s FAQ says Electronically Supplied Services taxes apply to the ACCS fee in some regions, and VAT applies on the fee for the Türkiye and Saudi Arabia stores.
Where the Tiers Don’t Apply
Volume pricing is not universal. Per the same two official pages (data checked 2026-09-30):
| Payout situation | ACCS rate |
|---|---|
| Amazon.com.br store | Volume pricing not available |
| Paid in AED, CHF, MXN, KRW, or TWD | Flat 1.5% at any volume |
| Paid in JPY | Flat 2.0% at any volume |
| Paid in BRL or ARS | Flat 2.5% (Seller Central FAQ) |
A Japan-based seller receiving yen from Amazon.com pays 2.0% on every dollar no matter how large the business grows, which makes JPY sellers the clearest case for pricing out an alternative.
Linking accounts: the official example and its arithmetic
Amazon’s example is a Germany-based seller with $500,000 from Amazon.com, $300,000 from Amazon.co.uk, and $300,000 from Amazon.co.jp. Linked, the $1.1 million total falls in the 1.00% tier, and Amazon says the seller saves $5,500.
That saving only works with the sell.amazon.com version of the example, which prices each unlinked account at 1.5%: $16,500 unlinked minus $11,000 linked. The Seller Central FAQ prices the US account at 1.25% instead, which makes the unlinked total $15,250 and the saving $4,250. Either way, linking (Amazon now calls it merging accounts) is the single biggest lever inside ACCS if you sell in more than one region.
The Cost the Tier Table Doesn’t Show: The Exchange Rate
The percentage is only part of the price. ACCS uses “the exchange rate applied by our third-party service provider on the day the transfer to your bank account is initiated” (sell.amazon.com, data checked 2026-09-30). Amazon’s FAQ adds that rates on search engines and in newspapers “typically reference inter-bank rates” and describes its own as “competitive.”
Amazon does not publish how far its provider’s rate sits from the mid-market rate. So the fair comparison is not 1.50% versus 0.24%. It is the local-currency amount that actually lands for the same USD payout. Amazon shows live FX rates before disbursement and the applied rate afterwards, so you can check one real payout against the mid-market rate on the same day and see the spread yourself.
Wise, by contrast, says on its business pricing page that it does not inflate the mid-market rate and charges its conversion fee separately. Payoneer’s pricing page says the exact fee for a transaction is displayed before you confirm it.
Wise vs Payoneer vs ACCS: What Each Publishes
Both alternatives are on Amazon’s list of participating Payment Service Providers, which is the list Amazon checks before paying out to a non-bank account (Seller Central help GHP8M87Z5W6XTSTL, data checked 2026-09-30). Amazon says it stopped disbursing to non-participating PSPs on July 15, 2021. Airwallex, WorldFirst, PingPong, and LianLian Global are also on that list.
| Cost item | ACCS | Wise Business (UK pricing page) | Payoneer |
|---|---|---|---|
| Account setup | None beyond Seller Central | 50 GBP one-time | None listed; some regions have a registration fee |
| Receiving the Amazon payout | Included | USD domestic (non-wire) free; USD wire/Swift 6.11 USD per payment | “Varies by marketplace” |
| Converting to your home currency | 1.50% to 0.75% by tier, plus provider FX rate | From 0.24%, varies by currency, at mid-market rate | Withdrawal with conversion 1.2% – 4% |
| Holding foreign currency | Not offered (auto-converts) | Free | No holding fee listed; 0.50% to move between balances |
| Idle-account fee | None | None listed | $29.95 a year if under $6,000 received in 12 months |
Sources: sell.amazon.com ACCS page, wise.com/gb/pricing/business, payoneer.com/pricing, all data checked 2026-09-30. Wise and Payoneer both vary pricing by country, so check the page for your own region before switching.
For payouts from EUR or GBP stores, Wise also lists free receiving for domestic EUR and GBP payments, with Swift receipts at 2.39 EUR and 2.16 GBP per payment.
Worked Comparison at Three Sales Levels
The seller here is a UK business selling on Amazon.com, converting everything to GBP. Wise is priced at its published floor of 0.24%, assuming USD payouts arrive as domestic transfers. Payoneer uses its published 1.2%–4% withdrawal-with-conversion range. ACCS FX spread is left out because Amazon doesn’t publish it, which makes this a best case for ACCS.
| Annual USD proceeds | ACCS fee | Wise conversion fee (at 0.24%) | Payoneer withdrawal (1.2%–4%) |
|---|---|---|---|
| $60,000 | $900 (1.50%) | $144 + 50 GBP setup | $720 – $2,400 |
| $300,000 | $4,500 (1.50%) | $720 | $3,600 – $12,000 |
| $1,200,000 | $12,000 (1.00%) | $2,880 | $14,400 – $48,000 |
Wise’s real rate for USD to GBP may sit above the 0.24% floor. Even at double the floor, Wise stays well under ACCS at every level in this table. Payoneer’s range starts at 1.2%, so it undercuts ACCS only below $1 million and only if your corridor sits near the bottom of that range.
The picture changes in three situations:
- You sell into China or Hong Kong. ACCS charges 0.40%–0.90% for CNY and 0.40%–0.70% for USD into Hong Kong banks, which narrows or closes the gap.
- You don’t need to convert. If you pay suppliers in USD, holding USD in Wise or Payoneer and paying from the balance skips conversion entirely. Payoneer lists sending from your balance to a recipient in another country at up to 1% plus up to 4.00 USD. Amazon’s own Seller Wallet also offers free USD payments to suppliers with US bank accounts for US-store sellers.
- Your time costs more than the difference. At $60,000 a year the gap between ACCS and Wise is roughly $700 to $750 in the first year. Some sellers will reasonably take ACCS for one fewer account, one fewer login, and one fewer statement to reconcile.
Who ACCS Fits, and Who Should Price Out an Alternative
ACCS makes sense when:
- You are in the CNY or Hong Kong USD column, where rates start at 0.90% and fall to 0.40%.
- You sell above $1 million in linked cross-currency proceeds and value having payouts, fees, and FX on one Seller Central statement.
- You sell in several regions and have merged your accounts, so every store counts toward one tier.
Price out Wise, Payoneer, or another participating PSP when:
- You are under $500,000 and paying 1.50% on every payout.
- You are paid in JPY (flat 2.0%) or in AED, CHF, MXN, KRW, or TWD (flat 1.5%), where growth never lowers the rate.
- You spend a meaningful share of revenue in the store currency, such as USD supplier invoices or US ad spend.
Before switching, pull one recent payout’s FX rate from the Payments dashboard and compare it with the mid-market rate for that day. That one number tells you how much the ACCS rate really costs you on top of the fee. For recording conversions in your books, see Amazon FBA bookkeeping. If you are opening new marketplaces, expanding FBA to Germany, Japan, and the Netherlands covers the JPY and EUR side.
Frequently Asked Questions
How much does Amazon Currency Converter for Sellers cost?
1.50% of cross-currency proceeds under $500,000 in trailing 12-month volume, 1.25% up to $1 million, 1.00% up to $10 million, and 0.75% above that. JPY payouts are a flat 2.0%, and AED, CHF, MXN, KRW, and TWD are a flat 1.5% (data checked 2026-09-30).
Is ACCS mandatory for non-US sellers?
No. Amazon calls it an optional service. You can receive payouts to a bank account in the store’s currency or to a participating Payment Service Provider such as Wise, Payoneer, Airwallex, or WorldFirst.
Does using Wise or Payoneer reset my ACCS tier?
No. Amazon’s FAQ says your net proceeds count total disbursed volume whether you used ACCS or other payment service providers.
Why is my ACCS exchange rate different from Google’s?
Google and news sites typically show inter-bank rates. ACCS uses its provider’s rate on the day the transfer starts, and the fee is charged separately. The Payments dashboard shows the applied rate and fee for each payout.
Conclusion
ACCS is simple and automatic, and it is cheap for CNY and Hong Kong USD payouts and for merged accounts above $1 million. For a typical seller converting under $500,000 a year into GBP, EUR, CAD, or AUD, it costs 1.50% plus an undisclosed FX spread, while Wise’s published conversion fee starts at 0.24%. Check one real payout against the mid-market rate, then compare that total against Wise and Payoneer’s pages for your region. For the rest of Amazon’s charges, see the Amazon seller fees breakdown.