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Amazon Currency Converter for Sellers (ACCS) is Amazon's built-in currency conversion service for international sellers. It automatically converts your sales proceeds from foreign currencies into your preferred payout currency. While convenient, ACCS often charges higher fees than third-party alternatives. This guide breaks down how ACCS works, its fee structure, cost examples, and better options in 2026.
ACCS automatically converts your sales proceeds from the currency of the marketplace where you sold (e.g., EUR, GBP, JPY) into your designated payout currency (e.g., USD, CNY). This happens at the time of payout, using Amazon's internal exchange rate, which is updated daily but not necessarily competitive.
Amazon charges a currency conversion fee between 0.75% and 1.5% per transaction, depending on the currency pair. This fee is deducted from your payout amount. For sellers using multi-currency accounts (e.g., Payoneer, WorldFirst), ACCS may be redundant — you can receive funds in the local currency and convert them externally at better rates.
Let's say you earned €1,000 in Germany and want to convert to USD. ACCS offers a rate of 1.075 EUR/USD (mid-market rate is 1.085). You lose 0.93% immediately.
| Service | Conversion Fee | Payout Speed | Minimum Amount |
|---|---|---|---|
| ACCS | 0.75% - 1.5% | Same as payout (2-5 days) | None |
| Wise | 0.35% - 0.7% | 1-2 days | $1 min |
| Payoneer | 0.5% - 1.2% | 2-3 days | $50 min |
ACCS is enabled by default. To disable it, go to your Amazon Seller Central → Settings → Account Info → Currency Settings → Uncheck "Use Amazon Currency Converter". You must have a supported multi-currency account linked.
Use ACCS only if: (1) You're new to international selling and want simplicity, (2) Your payout amount is small (under $500), or (3) You don't have access to third-party services. For regular sellers, disabling ACCS and using Wise or Payoneer saves money long-term.
For better rates and lower fees, consider these alternatives:
Most successful sellers use Wise for low-cost transfers or Payoneer for multi-currency holding.
ACCS is not a flat fee — it is a spread on the exchange rate itself, and the spread shrinks as your monthly settlement volume grows. Most corridors start around 1.5% for new or low-volume sellers and step down to roughly 0.75% above $10 million in monthly disbursements. The exact tier for your account is visible in Seller Central under Currency Settings before you convert.
The practical trap: because the fee is baked into the rate, it never appears as a line item on your settlement report. A $50,000 monthly payout at a 1.25% effective spread quietly costs $625 — $7,500 a year. Run the number for your own volume with the free Amazon currency converter for sellers, which compares the mid-market rate against what Amazon actually pays out.
| ACCS | Wise Business | Payoneer | |
|---|---|---|---|
| Typical total cost | 0.75%–1.5% spread | ~0.4%–0.6% all-in | ~0.5%–1.2% all-in |
| Setup | Zero — on by default | Account + bank details | Account + bank details |
| Best for | Occasional small payouts | Regular EU/US/UK settlements | Multi-marketplace sellers |
| Rate transparency | Low (bundled) | High (mid-market + fee) | Medium |
Most sellers above roughly $5,000 per month in cross-border payouts come out ahead by receiving USD/EUR/GBP in a virtual multi-currency account and converting themselves — the 0.9%–1.1% gap versus ACCS compounds fast at scale. Keep ACCS enabled only while payout volume is small or during account transitions.
Does Amazon automatically convert my currency?
Yes. ACCS converts your disbursements to your default bank-account currency automatically unless you disable it and register a local-currency (or multi-currency provider) bank account in Seller Central.
How do I convert USD to EUR for my Amazon settlement?
Either let ACCS apply its rate at disbursement, or receive USD via Wise/Payoneer and convert at the mid-market rate plus a small transparent fee. Compare both outcomes first with the currency converter tool — the difference is usually 0.5%–1% of every payout.
Can I use different settlement currencies per marketplace?
Yes. Amazon lets you set bank accounts per marketplace (or use a provider like Payoneer with receiving accounts in USD, EUR, GBP, JPY and more), so a UK sale can settle in GBP while a US sale settles in USD.
While ACCS offers convenience, its fees make it a costly choice for most Amazon sellers. By switching to Wise or Payoneer, you can save 30-70% on currency conversion costs annually. Disable ACCS in Seller Central and link your preferred service to start saving today.
See our fee cards & rate comparison boards on Pinterest.
Want the live numbers? Run your payout through our Amazon Currency Converter rate & fee calculator to see exactly how much ACCS's spread costs you versus the mid-market rate.
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