FX rates are 0.9% - 0.2% for exchanges above €10,000, with no payment fees. Rates for exchanges below €10,000 remain competitive at 1%. The live interbank exchange rate is displayed, and the lower payment threshold is removed for accounts trading over £1 million annually. Contact our team for any questions.

DCC allows international transactions to be billed in the cardholder's home currency but often uses unfavourable exchange rates. Opting to pay in the local currency instead of your home currency may result in better rates. We ensure that you avoid this situation in all circumstances.

We provide real-time access to interbank exchange rates, safeguard your pricing within our conditions, and present the option of forward rates for hedging purposes which again can give you more certainty on the future value of your money. The ability to purchase forwards on the web and receive immediate notifications of exchange rate changes ensures that you are consistently aware of the authentic exchange rate. In contrast to most conventional brokers, our solution integrates a streamlined digital approach that accomplishes the same tasks at just a tiny portion of the traditional cost of other main providers.

Our foreign currency exchange platform is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). In terms of data protection, our platform partners only deals with regulated entities and leading international technology companies to ensure compliance with ISO/IEC 27001:2013. Regular reviews and enhancements of processes and systems are carried out to maintain security and protect your data.

Your funds are protected through our global recognised e-money partners, who are regulated by the Financial Conduct Authority (FCA). All accounts are held with Currencycloud who are one of the top organisations in the space. Additionally, your funds are stored in your unique multi-currency account, issued by CurrencyCloud, and held in secure accounts. This structure guarantees and adds multiple layers of security to safeguard your money during foreign currency transactions.

Exchange rates are affected not only by the market rate but also by additional fees such as transaction fees or service charges and we pride ourselves on offering the very lowest rates which are significantly lower than the major international banks and FX platforms. Especially for larger and regular transactions.

Fees can significantly impact the effective exchange rate. Always factor in any transaction fees or service charges as well as comparing rates. Our team of FX experts can help you compare rates against all of the major providers and banks. Avoid airport and hotel based FX as they usually offer less favourable rates. Beware of dynamic currency conversion and opt to pay in the local currency, not your home currency, when using a card abroad. Remember, the best approach is to be proactive and informed when exchanging currency. Our FX team of experts have significant savings for high value and volume foreign exchange. Typically, we are able to offer half the fees of the major banks through our FX partners.