The best way to avoid currency exchange charges is to know your customers. Being aware of where your customers come from or what type of customer you want to target is key. If most of your services are in Europe, it may be better to open an account in Euros; if your target customers are in the Unites States, then an account in USD may be best. However, you may want to offer both EUR and USD to your customers. In that case it is best for you to choose both of these as settlement currencies as well and provide PayLane with bank account numbers in EUR and USD. That way you avoid currency exchange during payouts. Otherwise, if you choose to process transactions in EUR and USD but give us only the EUR account number - it will be your bank that will exchange those different currencies into the main currency that your account is in.