Currency management,
built entirely around you.
Our services are built around the moments that matter: moving money abroad, holding it securely, and protecting against currency movements you can't control. Read on to explore our approach to currency planning and management, and the solutions we offer.
Currency Planning & Management
Most currency decisions don't happen in isolation. They sit inside a larger picture — a relocation, a business sale, an inheritance, a trust structure — and the right approach depends on understanding that picture properly before anything is agreed.
Currency Planning
We work with you the way a wealth manager works with a client: getting to know your circumstances, your objectives, and your appetite for risk, then building a currency strategy around them. That might mean mapping out exposure across a multi-year timeline, coordinating around other advisers, or simply being on hand to talk through a decision before you make it.
Currency Management
You can lean on us as much or as little as you like. Some clients prefer to trade independently online; others want us involved at every step. Either way, the same team knows your situation, and the advice you receive is always built around your goals — not a product we're trying to place.
Currency Solutions
The instruments and products we use to move, hold, and protect your money.
Currency Conversions
We help you manage currency exposure so it doesn't erode the wealth you've built. That might mean working to target rates, spreading conversions over time, or simply making sure a transfer happens at a fair, transparent rate with no hidden fee.
Payments & Transfers
We send and receive payments in over 130 currencies, to more than 200 countries. Transfers can be made via priority SWIFT payment or through our network of local in-country accounts, whichever suits your timeline and destination.
Currency Accounts
Hold funds in your name, in the currencies you need, without opening a foreign bank account. Useful if you're paying school fees abroad, managing a second property, or simply want to hold currency until the rate suits you.
Read on to learn more about our Currency Solutions.
Currency Conversions
Four ways to convert, each suited to a different situation — from settling today at the market rate to locking in certainty months in advance. Your relationship manager will help you choose the right one.
Spot Contract
For immediate or up to two-day settlement, at the prevailing spot rate. The rate is agreed at the point of execution, with most currencies available to settle the same day.
Forward Contracts
Secure today's exchange rate for a transfer you'll need to make in future, up to twelve months ahead — useful for known future commitments such as a property completion.
FX Orders
Set a target rate, and we will monitor the market on your behalf, executing the trade automatically if your rate is reached. Orders worked 24/5.
Currency Options
Protects you against unfavourable rate movements, while still letting you benefit if the market moves in your favour. Subject to appropriateness checks.
Payment Choice
Priority SWIFT payments or local payouts via our network of in-country accounts. SWIFT payments are trackable in real time.
Payee Verification
UK GBP payments check the name against the sort code and account number. EEA EUR payments check the name against the IBAN.
Test Payments
We advise that new beneficiaries start with a small test payment. The full amount moves only once you're confident it's set up correctly and receipt of funds is confirmed.
Security First
Payment activity is restricted to approved users, with two-factor security on the platform. Every payment is checked against your instructions first.
Payments & Transfers
Every payment is checked and verified before it moves, whichever route it takes — priority SWIFT or one of our local in-country accounts.
Currency Accounts
An account in your name, in the currency you need, without opening a foreign bank account — so you can hold funds until the rate suits you, rather than converting under pressure.
Complete Control
Accounts are in your name with a unique IBAN, managed online 24/7.
Security First
Funds are safeguarded by our FCA-regulated e-money partners.
Fair & Fixed Price
Transparent, fixed pricing on every exchange — no hidden fees.
Joint Accounts
Shared visibility with independently configurable permissions.
View Accounts
Manage and fund your multi-currency wallet from a single, secure dashboard.
Add a Beneficiary
Set up new beneficiaries in minutes, ready for your next payment.
Create a Payment
Make a new payment to any of your beneficiaries, wherever they're based.
Make a Conversion
Book a currency conversion at the touch of a button, 24 hours a day.
Online Capabilities
Stay in control of your currency balances, conversions, and international transfers — with access to more than 30 currency accounts, online trading for spot and forward contracts, and the ability to make international payments without expensive bank fees.
Currency Capabilities
We support spot trades and forward contracts across all major currencies. If you don't see yours listed, speak to your relationship manager — coverage is broader than what's shown here.
* Spot trading only — forward contracts not available for this currency. Full currency details
You will never be asked to navigate this alone. Every service above is delivered with the support of your relationship manager, who will talk you through the right option for your specific situation before anything is set in motion.
Frequently asked questions
Yes. Joint accounts allow two or more individuals to hold and manage a currency account together, with shared visibility and independently configurable permissions for each holder — ideal for couples, family arrangements, or trustees.
Every account includes a unique IBAN in your name, 24/7 secure online access, two-factor authentication, dedicated relationship management, and access to our full range of FX execution tools including forward contracts and FX orders.
Most private clients are fully onboarded within a few working days of an introductory conversation, once standard due diligence and documentation is complete.
Client funds are safeguarded at FCA-regulated e-money institutions and are never commingled with company funds. See our Security page for full detail on how we protect your money.
Yes — we support delegated approval models including four-eyes checks and full audit trails, useful for family offices and trustees managing funds on behalf of others.
We send and receive payments in over 130 currencies, to more than 200 countries, backed by multiple settlement routes for redundancy and reach. Learn more.
Want to see how we can help?
Speak to a SpecialistNow you know what we offer, read on for how we protect your money, what our clients say, and a bit more about who we are.