Mitigate currency risk,
trade at mid-market.

Banks and processors rarely exchange currency at the interbank rate (the "real" mid-market rate). Instead, they add a percentage margin (the markup or spread) onto the rate they offer you. Standard retail banks charge 1.5% to 3.5%, which represents a massive hidden cost on high-volume transactions.

A forward contract allows a business to lock in a specific exchange rate for a future date (up to 12 months in advance). This provides complete certainty over pricing, protecting your business margins if exchange rates take a negative turn before settlement.

If you have a US customer base, instead of converting USD payments instantly back to GBP and paying FX fees, a local settlement account lets you receive USD directly into a US-routed routing number. You can hold this balance to pay US suppliers or convert it in bulk during favorable market conditions.

The partners we connect you with do not charge traditional monthly maintenance fees. Their earnings are built into the transparent interbank spreads, which we negotiate on your behalf to guarantee the lowest possible cost.

SWIFT is the legacy international bank network, taking 1 to 5 days and charging high fixed fees. Local rails utilize domestic transfer networks (like ACH in the US or SEPA in the EU) to deposit converted currency. This settles in hours (and often seconds) at a fraction of SWIFT rates.