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FX and international payments tailored to your business

Simplify your global payments with our expert account managers and world-class technology.

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20+ local branches

Always here when you need us

Authorised in the EU

By the Bank of Spain

€11.5 billion

Transferred each year

40+ currencies

Transfers to 120+ countries

People in a warehouse

Helping businesses trade internationally.

Doing business internationally shouldn’t be complex. Our award-winning blend of dedicated account managers, digital payments platform and 25+ years' experience helps businesses manage risk and optimise profits.

Manage risk

Our team will tailor a risk management strategy to help you plan ahead with confidence and manage currency volatility.

Get more for your money

FX rates change thousands of times a day. Our team of specialists will help you choose when to convert your currencies to get the best rates.

Improve efficiency

Our market-leading online platform and suite of APIs reduce admin, speed up payments and give your business more control.

Our solutions

From payroll to procurement, revenue to risk management –
we have solutions for all your business needs.

Spot contract

Perfect for making a one-off payment at the current exchange rate. Once you’ve secured an exchange rate your transfer will be conducted at that rate regardless of market movement.

Multi-currency wallets

Manage multiple currencies from one online account without the hassle of opening overseas bank accounts. Send and receive currency from your digital wallets and buy currency in advance.

Batch payments

This service is perfect for businesses making several payments at a time. With revolutionary pre-validation technology and intelligent routing our batch payments system improves accuracy, reduces errors and increases efficiency.

Rate alerts

Let us know the rate you want to achieve and we’ll let you know by text or email as soon as the market moves to that level.


Real people. For real businesses.

Every client is managed by an expert account manager who understands foreign exchange and how to make the market work for you.

Our team collaborates with your business to design risk management strategies, optimise payment processes, and uncover cost-saving opportunities.

They will also keep you up-to-date with the latest currency movements and give you access to the tools you need to plan your payments effectively.

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24/7 transfers at your fingertips.

Our online service puts your business in control. Access your online account 24/7 to check live rates, view your transaction history, track the status of a payment, securely add recipients and make seamless currency transfers.

Manage your international payments and cashflow simply and securely, with our team of experts on hand if you need them.

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Tailor-made FX and payments solutions, at any scale.

Your business is unique. We understand that, which is why we'll take a unique approach to your requirements.

Whether you're a global enterprise, SMB or sole trader, we've got a service to suit. Your dedicated account manager will take the time to get to know your business and tailor a solution that's right for you.

With us you can make spot transfers at highly competitive rates, fix an exchange rate ahead of making a payment or target the rate you want to achieve.


Partnered with CaixaBank.

Our exclusive partnership with CaixaBank enables us to provide our clients in Spain the ease of local bank transfers, ensuring smooth and prompt transactions for their financial requirements.


Authorised in the EU.

When you’re moving money abroad, knowing it’s in safe hands is everything.

Since the UK left the European Union, all financial companies operating in the EU need to be licensed by an EU authority. If a foreign exchange provider isn’t licensed to work in the EU, then their customers may not be fully protected.

We're authorised by the Bank of Spain as an Electronic Money
Institution (Registration no. 6716) in the EU, and by the FCA (FRN 900669) in the UK, meaning we’re fully licensed to operate in Spain and throughout the European Union.

Regulated and reliable

Regulated, reliable, always in safe hands.

In addition to the EU and the UK, we’re also regulated in the US, Australia and South Africa, transacting around €11.5bn every year in 40+ currencies and 120+ countries.

As part of our regulation, we’re required to safeguard your money through stringent security measures and compliance procedures. The security of your funds is our top priority.

We’re also here to offer guidance, support and information if you ever have any questions or concerns about fund security or safeguarding.

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Industry expertise.

Our solutions can be tailored to suit every industry and sector.










Financial institutions


Property development




Intellectual property

How it works.

Simply talk to us and we’ll guide you through the rest.

Talk to us

Talk to an expert today about our FX and payment solutions online, via our app, over the phone or in branch.

Sign up

Sign up for an online account in a few minutes to get started.


Define your needs and get a system demo with a dedicated account manager.


When you’re ready, we’ll guide you through your first transfer.

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Case studies.

Read more about how we’ve helped our customers streamline operations and save money through tailored FX solutions.


Indonesia en tus Manos

Delivering a reliable, secure service to make international payments more efficient and decrease costs.

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Smart Fan

Quickly and easily setting up payments to US suppliers, while making significant savings through strong exchange rates.

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Innova Pro

Innova Pro

Saving time and €25,000 a year with our services and the support of their account manager.

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Frequently asked questions.

We’re authorised by the FCA in the UK, and by the Bank of Spain in the EU. We also operate segregated client accounts and hold the highest credit rating with Dun & Bradstreet, so you can rest easy in the knowledge that your funds will be in safe hands. 

Our competitive exchange rates and lack of transfer fees mean more of your money reaches its intended destination without unnecessary deductions. Additionally, our expert currency specialists can provide guidance on timing your transactions to take advantage of favourable exchange rate movements, potentially saving you even more.

For most transfers there are no fees, however there may be fees applied when using our Batchpay service.

Whatever works for you – app, online, or talking to one of our experts over the phone or in person. And you can pay for your transfer by bank transfer or debit card. 

How long a currency transfer takes depends on the currency, destination and receiving bank. Funds are typically transferred within 24 hours or within no more than two working days.

We buy currency in bulk at wholesale rates not available to companies or individuals. We add a small margin before selling the currency on at rates that are typically more competitive than the banks. 

We strive to offer you the most competitive exchange rates possible, which is why we continuously monitor the market to ensure that our rates remain favourable for our clients.

At Currencies Direct, we facilitate foreign currency receipts from your clients seamlessly. Whether it's payments for goods, services, or any other transactions, our platform allows you to receive funds in various foreign currencies efficiently.

You can add funds to your digital currency wallet from any GBP or EUR debit card.

Whether it's urgent payments, payroll processing, or any other time-sensitive transactions, our spot transfers ensure that your funds reach their destination without delay.

Our multi-currency debit card is only available to our personal clients. If you would like to spend seamlessly in 40+ countries, you can create a personal account here.

Using a forward contract you can fix an exchange rate for up to a year. While you will miss out if the exchange rate improves, your transfer will be protected from any unfavourable movement.

There are several benefits to choosing Currencies Direct, including competitive exchange rates, award winning customer support and bespoke risk management solutions.

The minimum and maximum transfer limits vary depending on whether you're conducting your transfer online or over the phone. If arranging a payment through our online platform you can transfer a minimum of €10 and a maximum of €50,000.

If you need to transfer more than that our team can provide personalised assistance to meet your specific needs. There's no upper limit on how much you can transfer.

Take the complexity out of FX and payments

Find out more about how our solutions can help your business.

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