One platform.
Every money flow.
Payments, FX, currency accounts and treasury — connected in one workspace. Real-time visibility across every currency.
All the tools.
None of the switching.
Every feature built for a finance team managing international payments daily.
Send to 200+ countries via 37+ local networks or SWIFT GPI.
Any corridorHold 29+ currency balances. Named accounts. No forced conversion.
29+ currenciesSpot, forwards and limit orders at declared transparent rates.
Live ratesCSV upload, full batch review, single approval.
BatchDual-authorisation above configurable thresholds. Audit log.
ControlledAuto-sync via Codat. Every trade and payment posted automatically.
Auto-reconcileOpen FX exposure, all balances, rate alerts — real-time.
Real-timeTransaction history and rate reports for any date range.
Export readyManual processes cost
more than you think.
From sign-up to
first transaction.
Most clients are live and transacting the same day their account is verified.
Submit business details and KYC online. Live within 1–2 business days.
Add beneficiaries, open wallets, set approval workflows, connect Xero.
Deposit GBP or FX. Execute spot or forward FX at transparent rates.
Send globally with SWIFT GPI tracking. Auto-sync to accounting.
Designed for
finance teams.
Built around how a finance team actually works — not how a bank wants you to work.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
37+ local networks.
One account.
Faster Payments, SEPA, ACH, BACS and 33 more. Domestic speed for every major currency corridor — no correspondent chain, no deductions.
Local rails. Every
major currency corridor.
For most currencies and destinations, a local network settles faster, costs less and delivers the full amount.
36 countries. Same-day CT. 10-second SEPA Instant. No correspondent deductions.
36 countriesSeconds, 24/7/365. Up to £1m. CHAPS for high-value.
24/7Same-day or T+1. No SWIFT. No correspondent chain.
T+0 or T+1AUD, CAD, HKD, SGD, NOK, SEK and beyond.
GlobalLocal rail or SWIFT — always visible before approving.
Full transparencyLocal networks have no correspondent deductions.
Zero leakagePlatform selects the fastest available network automatically.
AutomaticWhere no local network exists, SWIFT GPI tracking as standard.
TrackedLocal rails beat SWIFT
every time.
Instruction to settled
in minutes.
Network selection, format validation and tracking are all handled automatically.
IBAN, BIC, ABA or sort code. Validated on entry, saved for reuse.
In sending or receiving currency. FX cost shown upfront if needed.
Network, settlement time and total debit shown before approval.
Confirmation in transaction log. SWIFT GPI for cross-border.
Why local rails
beat SWIFT every time.
For supported corridors, local networks are faster, cheaper and deliver the full amount with no in-transit deductions.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
200+ countries.
GPI tracking every step.
Send to any country with SWIFT GPI real-time tracking — from instruction to confirmed delivery. Full cost transparency before you confirm.
Track every hop.
Confirm every delivery.
GPI transforms SWIFT from a black-box instruction network into a fully trackable, transparent service.
Live status at every step of the correspondent chain.
LiveIrrevocable timestamp when beneficiary account is credited.
GuaranteedAny correspondent deductions visible in the GPI log.
No surprisesGlobal reach for any corridor without local network coverage.
GlobalEvery Stately FX SWIFT payment includes GPI — no setup required.
IncludedEstimated delivery time shown from moment of instruction.
LiveAlerts at instruction, in-transit and delivered milestones.
AutomaticPowered by Ebury Partners UK Ltd — FCA No. 900797.
RegulatedSWIFT GPI:
certainty, not assumption.
Instruction to delivered —
fully tracked.
GPI tracking is automatic on every SWIFT payment. No setup, no premium, no opt-in required.
Amount, currency, beneficiary BIC. Full cost shown before confirm.
Unique end-to-end reference activates tracking immediately.
Live status at each correspondent. Any deductions shown in log.
Timestamp when beneficiary account credited. Shown in platform.
SWIFT GPI standard
on every payment.
All Stately FX SWIFT payments include GPI tracking — at no additional cost.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Receive globally.
Like a local.
Named currency accounts in 14+ currencies. Customers pay you as a domestic transfer. Full amount. Always.
Your IBAN. Your ABA.
In your name.
Each account is registered in your business name — customers see your business as the payee.
SEPA collection from 36 countries. Full amount received.
SEPA · 36 countriesACH from the US. Fully domestic — no SWIFT.
ACH · US domesticFaster Payments in seconds. 24/7.
Faster PaymentsNamed accounts using the local payment rail for each currency.
11+ currenciesNo correspondent deductions. No conversion on receipt.
Zero leakageNo forced conversion. Convert when ready.
Your timingDeclared margin only — mid-market rate shown.
TransparentRedirect Amazon, Etsy, Shopify payouts to your named IBAN.
DirectYour GBP sort code
costs you money.
From account open to
collecting globally.
Local accounts are set up within your existing Stately FX account — no additional applications required.
Select currency. Named account details provisioned immediately.
Give customers your IBAN or ABA/account as banking details.
Customer pays via SEPA or ACH. Full amount arrives — no deductions.
Hold for FX offsets or convert at mid-market when your treasury requires.
What named accounts
change for your business.
Every foreign currency receipt via your GBP account triggers an automatic bank conversion. Named accounts eliminate this.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
29+ currency wallets.
One real-time dashboard.
Hold, manage and convert balances in 29+ currencies. Every wallet visible in one screen. Pay suppliers without forced conversions.
Hold every currency
you trade in.
Eliminate the double-conversion cost of receiving in EUR, converting to GBP, then converting back to EUR to pay a supplier.
All 29+ balances in one screen. Updated live.
Live viewSpot at mid-market. Target rate orders execute automatically.
Market rateNo forced conversion, no expiry, no minimum balance.
No lock-inAny currency, any date range. Formatted for accounting import.
Any rangeInstruct supplier payments from the relevant wallet.
EfficientEUR, USD, GBP and 26 more with local collection details.
ImmediateSet the rate. Conversion executes automatically when reached.
AutomaticDeclared margin on all conversions — shown before every deal.
TransparentThe same currency converted
twice — costs twice.
Open wallets. Collect.
Pay and convert.
Global accounts form the treasury layer connecting all your currency inflows and outflows.
EUR, USD, GBP and 26 more — immediately, no additional KYC.
Named account details per wallet. Receipts arrive in the right currency.
Pay suppliers from the correct wallet — no conversion if same currency.
Convert at mid-market when the rate suits — or set target rate orders.
The double-conversion
trap costs money twice.
Receiving EUR and converting to GBP — then converting back to EUR for a supplier payment — costs 2–3% each way.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Hundreds of payees.
One upload. One approval.
Upload a CSV of multi-currency payments. One review. One approval. One execution. SWIFT GPI tracking on every payment.
Replace a full day
with 30 minutes.
150 supplier payments across 12 currencies: 150 data entries, 150 approvals under standard banking. One upload with mass payments.
Any number of payments: payee, bank details, amount, currency, reference.
Any sizeEvery IBAN, BIC and ABA validated before any payment moves.
Zero errorsTotal per currency and total GBP debit shown before a single payment moves.
TransparentDual-authorisation on batches above configurable thresholds.
ControlledAll payments submitted at once. No queue, no delay per payment.
InstantReal-time tracking on every cross-border payment in the batch.
TrackedLive rate for each non-GBP payment. Total GBP cost shown before approval.
TransparentStore payee details once. Recurring runs reference saved records.
ReusableStructured operations,
not one-off exceptions.
From CSV upload
to fully executed.
The mass payments workflow replaces a full day of manual processing with a 30-minute session.
Payee, bank details, amount, currency, reference. Template available.
Every record validated. Error report generated before processing.
Total by currency, total GBP debit, any errors flagged.
One click submits all payments. GPI tracking activated on each.
Built for payment
programmes, not exceptions.
Mass payments is designed for finance teams running structured, recurring payment operations.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Connect Stately FX.
Eliminate manual reconciliation.
Xero and NetSuite sync via Codat. Every transaction posted automatically. REST API for programmatic access.
Transactions sync.
Reconciliation is automatic.
No manual entries. No end-of-month spreadsheet. Every FX trade and payment reflected in Xero or NetSuite within minutes.
Certified Xero integration via Codat. FX rates posted correctly to currency accounts.
CertifiedFull Oracle NetSuite ERP integration. Multi-entity and multi-currency support.
EnterpriseInitiate payments, get FX quotes, manage beneficiaries, retrieve transaction history.
Developer-readyReal-time notifications on payment status changes, FX deals and account updates.
Real-timeTransactions post without any human input.
AutomaticExchange rate, base and converted amounts all post correctly.
Full detailPayments matched against outstanding invoices automatically.
Auto-matchCodat is trusted by JP Morgan, PayPal and American Express.
TrustedNo developer required.
Guided authorisation only.
Connected in
four steps.
Xero and NetSuite integration is set up through a guided authorisation flow — no technical knowledge required.
Connect to Xero or NetSuite through guided flow. No API keys required.
Match Stately FX wallets to accounts in your accounting software.
Configure how FX trades and payments are categorised. Templates available.
Integration activates. All future transactions sync automatically.
Set up in under
15 minutes. No developer.
The Xero and NetSuite integrations are configured through a guided authorisation flow.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Pay suppliers now.
Repay in 150 days.
Unsecured revolving credit for supplier payments in 130+ currencies. No property security. Up to 150-day terms.
Finance the purchase.
Not the property.
Assessed on trading history and receivables quality — not your property portfolio.
Draw, repay within 150 days, redraw. Matches your procurement cycle.
RevolvingAssessed on business fundamentals in standard cases.
No pledgeDraw in GBP or FX. Pay supplier in their local currency at the live rate.
IntegratedPay any supplier in their local currency using the facility.
GlobalMinimum £1M revenue and two years of full accounts required.
EligibilityUse the facility to fund deposits or 100% of invoice value.
FlexibleUse alongside existing bank facilities — no primary banking change needed.
IndependentChoose which invoices to finance within your credit limit.
FlexibleProfitable businesses
still run out of cash.
From application
to funded in days.
Businesses with clean trading records are typically assessed within a week of submitting documentation.
Two years accounts, 12 months management accounts, aged debtors/creditors.
Trading history and receivables quality reviewed. Decision within 5–7 days.
Revolving credit limit, repayment terms, FX integration confirmed.
Draw to pay a supplier invoice. Repay within 150 days. Revolves immediately.
Built for the cash gap
in international trade.
Importers pay suppliers before goods arrive, collect from customers after delivery. That gap is 60–120 days.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
The market rate.
Your margin shown clearly.
Convert at the live mid-market rate with a declared margin — shown separately before you deal. 130+ currency pairs.
Mid-market rate.
Declared margin. Nothing hidden.
Banks quote 1.14 when mid-market is 1.17 — pocketing 2.6% without disclosure. Not here.
The live interbank rate — visible before every deal.
TransparentOur margin shown separately. You see exactly what you pay.
DeclaredTotal GBP cost confirmed before you commit.
ConfirmedEUR, USD, CHF, CAD — same-day if confirmed before 14:00.
Same dayMajor currencies and emerging markets.
GlobalBenchmarked against mid-market — not against bank rates.
CompetitiveConverted funds credited to the relevant currency wallet.
InstantConfirmation with rate, margin, base and converted amounts.
RetainedMid-market shown.
Margin declared. Cost confirmed.
From quote to
settled in hours.
Spot FX converts at the live rate and settles within the same business day for major pairs.
Select pair and amount. Mid-market rate and declared margin shown.
GBP debit confirmed. Rate, margin, converted amount all shown.
Accept the rate. Funds reserved at the agreed rate immediately.
Converted funds credited to your wallet on the agreed settlement date.
What transparent FX
pricing looks like.
Every Stately FX spot conversion shows three things before you confirm: the mid-market rate, our declared margin, and the total cost.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Lock your rate.
Remove FX from your P&L.
Fix the exchange rate today for a future payment or receipt. Protect margins for up to 24 months — from PO to completion.
Two structures.
Every hedging need covered.
Fixed forward for a known date. Window forward for variable timing. Both lock the rate on the day you place the contract.
Lock a rate for a specific settlement date. Full amount on that date.
Specific dateLock a rate; draw down in tranches within a defined window.
FlexibleGBP cost fixed from the contract date regardless of market moves.
ProtectedSame transparent margin as spot trades — shown before you commit.
TransparentAll live forward positions visible in your dashboard.
VisibleProtect budget rates for a full planning cycle or longer.
Long tenureDraw down and pay the supplier in one seamless transaction.
SeamlessMarket-based forward points — no hidden premium.
Fair pricingForward contracts across
every business scenario.
From rate lock to
settled invoice.
Forward contracts are placed in the same platform as spot FX — with the same declared transparent margin.
Pair, amount and maturity date. Forward rate quoted immediately.
Typically 5–10% of contract value held as security.
Full amount on fixed date, or tranches within window period.
Pay supplier or settle receipt at the contracted rate.
Who uses forward contracts
and when.
Any business with a future foreign currency commitment — and a GBP value they want to protect.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Know your exposure.
Manage it deliberately.
From exposure mapping to structured hedging programmes — currency risk as a managed overhead, not a P&L surprise.
From exposure
to managed risk.
A systematic approach converts FX from a source of P&L volatility into a predictable, managed cost line.
Map net FX exposure by currency pair across receivables and payables.
QuantifySet what you aim to achieve — budget rate, margin certainty, price stability.
DefineChoose structures: fixed forwards, window forwards, layered — or a mix.
StructureImplement with your account manager. Aligned to your approval model.
ImplementTrack performance against objectives. Regular position updates.
TrackCompare actual vs objectives. Adjust coverage, maturities and structures.
ImproveStructure forwards to protect the rate assumed in your financial plan.
AnchorCover multiple maturities simultaneously — never fully exposed or fully locked.
RollingStructured hedging makes FX
predictable — not just manageable.
From exposure map
to forward programme.
The programme is designed, executed and reviewed with your account manager.
Identify all FX exposures by currency pair. Calculate net position.
Define budget rate, hedge ratio, tolerance for adverse moves.
Place forward programme with your account manager.
Quarterly reviews. Adjust as trade position evolves.
What structured hedging
actually delivers.
The goal is not to eliminate FX cost — it is to make it predictable. Known. A line in the budget, not a variable.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Lock the rate
at the purchase order.
GBP landed cost fixed before goods leave the factory. Pay 130+ supplier currencies at transparent market rates.
The bank is charging you
and not telling you.
Transparent rates. Locked
at the purchase order.
From the moment a PO is placed, the GBP landed cost is known — not estimated.
Lock GBP cost at purchase order. Fixed or window. Up to 12 months.
At POEUR, USD, CNH, INR, THB and 125 more — all from one platform.
Global suppliersMid-market + declared margin shown before every payment.
No hidden costCSV upload, multi-currency batch, single approval.
Batch
Stop paying the bank
what you could keep.
From account open
to first transaction.
Most clients are live and transacting within 1–2 business days of completing verification.
Forward contract placed at purchase order. GBP cost fixed.
IBAN, BIC or local account saved for reuse.
Review contracted rate, confirm GBP cost, approve.
Export to Xero or NetSuite automatically.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Lock GBP value
at the invoice.
Forward contracts at invoicing fix sterling value for the entire collection period. Named EUR and USD accounts receive the full amount.
Every foreign currency invoice
is an unmanaged FX position.
Hedge the invoice.
Know the GBP value today.
One forward contract at invoicing locks GBP value for the entire credit period.
Forward contract at invoicing locks GBP value up to 12 months.
At invoiceEuropean clients pay via SEPA — full invoiced amount, no SWIFT.
Full amountUS clients pay via ACH — domestic transfer, full amount received.
No SWIFTConvert at mid-market on your schedule. Spot or target rate orders.
Your timingNamed accounts mean clients
pay you as a local supplier.
From account open
to first transaction.
Most clients are live and transacting within 1–2 business days of completing verification.
Place forward contract for expected receipt. GBP value locked.
Clients pay via SEPA or ACH — domestic transfer.
Full invoiced amount arrives in wallet — no deductions.
GBP credited at the rate agreed on invoice day.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Collect marketplace payouts.
Without the conversion cost.
Named EUR and USD accounts receive marketplace payouts without conversion on withdrawal. Pay suppliers direct. Eliminate double-conversion.
Two conversions on the
same currency flow.
Collect locally.
Pay suppliers direct.
Named EUR and USD accounts receive marketplace payouts without conversion. Pay suppliers from the same account.
Amazon EU, Etsy, Shopify payouts arrive without conversion on withdrawal.
DirectUS marketplace payouts via ACH — full amount received.
DirectEUR, USD, CNH, INR, THB and more at transparent rates.
Any supplierForward contracts to lock inventory costs against revenue.
Lock costsWhat eliminating
double-conversion saves.
From account open
to first transaction.
Most clients are live and transacting within 1–2 business days of completing verification.
Named IBAN and ABA provisioned immediately.
Update Amazon, Etsy, Shopify to your Stately FX account.
Instruct payments from EUR or USD wallet. Bulk upload supported.
Convert surplus to GBP at mid-market when the rate suits.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Hedge at booking.
Pay suppliers with certainty.
Forward contracts at booking protect the margin built into every sale. OTA settlements received in full via named EUR IBAN.
The rate you priced at
is not the rate you pay.
Lock rate at booking.
Margin protected for the lead time.
Forward contract placed at booking fixes EUR supplier cost at the rate assumed in pricing.
Lock EUR supplier cost at booking. Margin protected.
At bookingNamed EUR IBAN for Booking.com, Expedia. Full commission via SEPA.
DirectHotels, DMCs, ground operators in any currency.
Any supplierAccount manager reviews open positions against booking programme.
OngoingEvery sold margin
protected from the moment of booking.
From account open
to first transaction.
Most clients are live and transacting within 1–2 business days of completing verification.
Place forward for supplier cost element at booking confirmation.
SEPA to named EUR IBAN. Full amount, no SWIFT.
From EUR wallet or at contracted rate. Same-day via SEPA.
Account manager reviews and rolls contracts as bookings turn.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Invoice in any currency.
Collect the full fee.
Named USD and EUR accounts — clients pay as a domestic transfer. Full invoiced amount arrives. No SWIFT, no deductions.
Clients pay in full.
Banks take a cut before you see it.
Local accounts. Clients
pay you as a local supplier.
Named USD ABA and EUR IBAN — clients pay via ACH and SEPA. Full invoice amount received.
US clients pay by ACH. No SWIFT. Full fee received.
Full amountEuropean clients pay via SEPA. 36 countries. Full amount.
Full amountConvert at mid-market with declared margin. Your timing.
TransparentEvery conversion cost shown before you commit.
Declared
What you recover with
named collection accounts.
From account open
to first transaction.
Most clients are live and transacting within 1–2 business days of completing verification.
EUR IBAN and USD ABA provisioned immediately.
Add new account details for the relevant currency invoices.
ACH for US. SEPA for EU. Domestic — no international fees.
Full invoiced amount in wallet. Convert to GBP at mid-market.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
USD revenue. Global team.
One treasury platform.
Collect USD without processor conversion. Pay global team in their currency. Real-time multi-currency treasury.
Processor converts on disbursal.
Payroll converts again.
Collect USD direct.
Pay team in their currency.
Named USD account receives Stripe and Paddle payouts without conversion. Pay global team from the same account.
Stripe and Paddle payouts via ACH — no conversion on disbursal.
No conversionEUR, INR, SGD, BRL, CAD and 125+ currencies at declared rates.
Any currencyUSD, EUR, GBP and all other wallets in one real-time dashboard.
Live viewConvert USD to GBP when the rate aligns with your budget.
Your timingWhat eliminating
processor conversion saves.
From account open
to first transaction.
Most clients are live and transacting within 1–2 business days of completing verification.
Add Stately FX USD ABA to Stripe or Paddle payout settings.
Real-time visibility. No automatic conversion.
EUR, INR, SGD, BRL, CAD — any of 130+ at mid-market rates.
To GBP when rate aligns with budget — or set target rate orders.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Lock raw material costs
at the purchase order.
Bill of materials FX cost fixed before goods ship. Pay 130+ supplier currencies. Bulk payment runs for monthly procurement.
Material costs priced in GBP.
Purchased in currencies that move.
Hedge the bill of materials.
Before goods leave the factory.
Forward contracts placed at PO fix sterling cost for each foreign currency input — for the full lead time.
Forward contracts for each material input — placed at PO.
At POEUR, USD, CNH, INR, TWD and more at transparent rates.
Any supplierOpen forward positions vs outstanding POs — real-time.
Live viewMulti-supplier, multi-currency batch. One approval.
EfficientBOM cost fixed from PO.
Production margins protected.
From account open
to first transaction.
Most clients are live and transacting within 1–2 business days of completing verification.
Identify foreign currency inputs by currency pair.
At PO — timed to expected invoice settlement.
Draw down at locked rate. Pay supplier in local currency.
Monthly review of positions against PO book. Roll as needed.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Complete with certainty.
FX locked from exchange.
Forward contract at exchange of contracts fixes sterling cost for the entire lead time to completion. Same-day EUR settlement.
Rate risk between exchange
and completion costs buyers every year.
Fix the rate at exchange.
Complete exactly as budgeted.
The forward contract runs from exchange to completion. The entire period is covered with one instrument.
Fix sterling cost at exchange. Up to 12 months to completion.
At exchangeConvert rental income at mid-market. EUR, USD, AED and 60+ more.
Market rateNamed EUR IBAN for buyer deposits. SEPA — full amount received.
Full amountCompletion payment via SEPA — same-day for France, Spain, Portugal.
Same day
From exchange to completion —
fully hedged.
From account open
to first transaction.
Most clients are live and transacting within 1–2 business days of completing verification.
Establish foreign currency requirement and completion date.
Lock sterling cost at exchange rate. Contract matures at completion.
GBP held in safeguarded accounts at contracted rate.
FX at contracted rate. Remitted to conveyancer or notaire. Same-day EUR.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
What are cross-border
payments?
A plain-English guide — what they are, why they cost more than domestic transfers, and how modern infrastructure eliminates most of the friction.
What a cross-border payment
actually is.
Domestic payments operate within a single banking system. Cross-border payments must navigate multiple systems, regulations and often multiple currencies — each adding time, cost and friction.
Most of the cost of a cross-border payment is invisible — embedded in the exchange rate or deducted by correspondent banks in transit.
Where the money goes
before it arrives.
The spread between the mid-market rate and what your bank charges. Typically 1.5–3%. Shows as a rate difference — never as a fee.
Each bank in the SWIFT chain may deduct a handling fee. Recipient gets less than was sent.
SWIFT: 2–5 business days. SEPA: same-day. SEPA Instant: 10 seconds.
Local rails first.
SWIFT where required.
| Network | Currency | Settlement | Deductions? |
|---|---|---|---|
| Faster Payments | GBP | Seconds — 24/7 | None |
| SEPA CT | EUR | Same day | None |
| SEPA Instant | EUR | 10 seconds | None |
| ACH | USD | T+0 or T+1 | None |
| SWIFT | All | 2–5 days | Possible |
For every payment, the platform shows which network will be used before you confirm — local rail or SWIFT. Local routing is used by default for all supported corridors.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Where your FX costs
actually come from.
The real cost of foreign exchange is almost never the fee on the confirmation. This guide explains where costs hide and what transparent pricing looks like.
The mid-market rate:
your reference point.
Ask any provider: what is the mid-market rate right now, and what margin are you applying? A provider who cannot answer clearly is embedding their margin in the rate.
At 2% bank spread on £1,000,000 of annual FX, the hidden cost is £20,000 per year. Fully recoverable with transparent pricing.
Three ways FX providers
charge you.
Margin built into the exchange rate quoted. Never shown as a fee. Only visible if you compare the offered rate against mid-market.
Flat fees of £15–35 per transaction. Visible — but often not the largest cost.
SWIFT correspondent banks deduct fees in transit. Recipient receives less than sent.
What Stately FX shows
before every deal.
| What you see | Bank | Stately FX |
|---|---|---|
| Mid-market rate | Not shown | Shown before deal |
| Margin applied | Embedded in rate | Declared separately |
| Total GBP cost | After confirmation | Before confirmation |
| Network used | Rarely disclosed | Shown before payment |
At 2% margin on £1m of annual FX transactions: £20,000 per year. Over five years: £100,000. Fully recoverable by switching to declared transparent pricing.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
How international payments
actually move.
SWIFT, correspondent banking and local payment networks explained — why international payments take longer, cost more, and how modern infrastructure changes both.
A messaging network,
not a bank.
Most businesses think SWIFT transfers money. It transfers instructions. Money moves through a chain of inter-bank account relationships — which is why correspondent fees can be deducted at any step.
Why payments take time
and sometimes arrive short.
Most banks do not have direct relationships with every global bank. Payments route through one or more correspondents — each processing during their own business hours.
Each correspondent may deduct a handling fee before forwarding. The recipient receives less than the sender sent.
A payment from London to Singapore may route through New York. Each hop adds hours or days.
Faster, cheaper,
no correspondent chain.
| Network | Region | Speed | Deductions? |
|---|---|---|---|
| SEPA CT | EUR — 36 countries | Same day | None |
| SEPA Instant | EUR — 36 countries | 10 seconds | None |
| Faster Payments | GBP — UK | Seconds, 24/7 | None |
| ACH | USD — USA | T+0 or T+1 | None |
| SWIFT | 200+ countries | 2–5 days | Possible |
Local networks are used by default for all supported corridors. SWIFT is used where no local network infrastructure exists. Network shown before every confirmation.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Why your UK sort code is
the wrong account for foreign currency.
How named local collection accounts work — and why they recover thousands per year for businesses receiving regular foreign currency income.
The cost chain behind
every foreign currency receipt.
Your bank statement shows the GBP amount credited. It does not show the mid-market rate, the spread applied, or any correspondent deductions. The cost is structurally invisible.
EUR to GBP account: SWIFT routing, possible correspondent deductions, then bank FX conversion at embedded rate. Three cost events — none disclosed as fees.
Your EUR receipt of EUR 100,000: After bank FX spread of 2.5%, you receive the equivalent of GBP 2,500 less than mid-market implied.
Client pays international wire fees: Typically GBP 20–35 on their side — friction for no benefit to either party.
Three things that change
when clients pay locally.
Named EUR IBAN receives via SEPA — no correspondent chain. Full amount arrives. Same-day or 10-second settlement.
Received EUR stays in your currency wallet. You choose when to convert — at mid-market with declared margin.
Account registered in your business name. Customers see your business as payee — not a shared pool.
Savings that scale
with your volume.
| Annual EUR receipts | Annual saving at 2% | Current bank hidden cost |
|---|---|---|
| GBP 100,000 | ~GBP 2,000 | ~GBP 2,500 |
| GBP 250,000 | ~GBP 5,000 | ~GBP 6,250 |
| GBP 500,000 | ~GBP 10,000 | ~GBP 12,500 |
| GBP 1,000,000 | ~GBP 20,000 | ~GBP 25,000 |
Businesses that both receive and pay in the same currency benefit further — holding EUR between receipt and supplier payment eliminates the conversion in both directions.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
SWIFT or local network:
which is which, and when.
A practical guide — the two main routes for international payments, and how to know which one your payments are actually using.
Global reach.
Variable cost and timeline.
SWIFT GPI provides real-time tracking — status at each correspondent, any fees deducted, and a delivery confirmation when the beneficiary account is credited. Standard on all Stately FX SWIFT payments.
If your provider does not tell you which network is being used before you confirm a payment — ask. It directly affects speed, cost and whether the full amount arrives.
Faster, cheaper,
no correspondent chain.
36 countries. Same-day CT or 10-second Instant. No deductions. Full amount received.
UK domestic. Seconds, 24/7/365. Up to GBP 1m. CHAPS for high-value.
Same-day or T+1. Domestic US. No SWIFT involvement, no correspondent fees.
EUR to Europe: SEPA.
USD to US: ACH. Everything else: SWIFT.
| Payment | Best route | Why |
|---|---|---|
| EUR to Germany, France, Spain | SEPA | Same-day, no deductions |
| EUR to non-SEPA country | SWIFT GPI | No local alternative |
| USD to US business | ACH | Same-day, domestic |
| GBP in UK | Faster Payments | Seconds, 24/7 |
| Emerging market currencies | SWIFT GPI + local payout | Ebury local network where available |
| Any corridor on Stately FX | Automatic routing shown | Platform selects and displays route |
Stately FX selects the optimal network for every payment and shows it before confirmation. No manual routing decisions required.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Real experience.
Your interests first.
We give UK businesses access to institutional-grade payments and FX infrastructure — transparent pricing and a service relationship built around your business.
David Austin.
Founder & Managing Director.
David Austin brings close to a decade of experience in international payments and financial technology — specifically within the Electronic Money Institution and regulatory landscape.
His background spans senior operations management, client service leadership, and deep expertise in product development and cash management, built working for a major industry leader in the sector.
That experience gave him a direct view of what business clients needed but were not getting: transparent pricing, real operational visibility, and a platform built around their interests rather than the institution's margin. Stately FX is the result.
Connect with David on LinkedIn.
An independent brokerage.
Institutional infrastructure.
Stately FX operates as a Programme Manager of Ebury Partners UK Limited — an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797). This structure gives our clients access to Ebury's payments infrastructure, delivered through a dedicated service relationship.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Add currency capability
to your client offering.
Simple referral programmes for accountants, IFAs, trade advisors and business networks. Introduce clients — we handle everything from there.
If your clients trade internationally,
they face the costs we solve.
Accountants, IFAs, trade advisors and business networks regularly encounter clients paying hidden bank spreads on supplier invoices, receiving less from overseas clients than invoiced, or managing FX exposure without a hedging strategy.
A referral to Stately FX addresses all three. We manage all onboarding, compliance and ongoing service — the referring partner's client relationship is enhanced, not complicated.
- Accountants whose clients make regular overseas supplier payments
- IFAs whose clients own overseas property or have international investments
- Trade advisors supporting UK exporters and importers
- Business networks serving manufacturing, wholesale or e-commerce firms
Three ways to
work with us.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Join an early-stage
business built to grow.
We are building a team of payments and FX professionals who want direct client impact, real ownership, and the opportunity to shape a growing financial services business.
Small enough to matter.
Backed to grow.
Stately FX sits at a specific and valuable intersection: independent brokerage with the credibility of Ebury's regulated infrastructure, and the speed and flexibility of an early-stage business.
Clients get institutional-quality FX and payments with a service relationship that a large institution cannot replicate. Every person on the team is known by name — to us and to the clients they serve.
- Background in payments, FX, treasury or trade finance
- Commercial instinct — motivated by client outcomes and revenue growth
- Clear communication for a CFO and a growing business owner
- Ownership mindset — your work is visible and your decisions matter
Three functions.
All client-focused.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Regulated. Safeguarded.
Built on solid foundations.
Every Stately FX account operates within FCA-regulated infrastructure, with client funds safeguarded under Electronic Money Institution requirements.
Six layers of
regulatory protection.
Your money held
separately from operating capital.
Under FCA Electronic Money Institution requirements, all client funds must be safeguarded — held in segregated accounts at approved financial institutions, entirely separate from Ebury's operating capital.
Regulated. Secure.
Safeguarded.
Payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
Privacy
Policy.
How Stately FX collects, uses and protects your personal data. Last updated: March 2026.
Who we are
Stately FX Limited ("we", "us") is registered in England and Wales (No. 14292749), registered address: 45 Chesham Lane, Chalfont St Peter, Gerrards Cross, Buckinghamshire, SL9 0PH. We are the data controller for personal data processed in connection with our services and are registered with the Information Commissioner's Office. Payment and foreign exchange services are delivered by Ebury Partners UK Limited (FRN 900797), which acts as a separate controller for data it processes directly.
What we collect
We collect personal information necessary to provide our services, including:
- Identity: full name, date of birth, nationality
- Contact details: email address, telephone number, business address
- Identification documents: passport, driving licence, proof of address
- Business information: company registration, directors and beneficial owners
- Financial information: bank account details and transaction history
- Technical data: IP address, browser type, pages visited and cookies - see our Cookie Policy
How we use your information
We process personal data to verify identity, open and manage accounts, process transactions, meet anti-money laundering and regulatory obligations (including retaining records for a minimum of five years after the end of the business relationship), prevent fraud, communicate with you about your account, and improve our services. Legal bases: performance of a contract, legal obligation, and legitimate interests.
Who we share it with
We share data only where necessary: with Ebury Partners UK Limited to execute transactions and conduct due diligence; with regulatory bodies including the FCA, HMRC and National Crime Agency where required by law; with identity verification providers; and with IT service providers under strict data processing agreements. We do not sell personal data.
Your rights
Under UK GDPR you have the right to access, rectify, erase, restrict, port and object to processing of your personal data. To exercise any right, email info@statelyfx.com. You may also lodge a complaint with the Information Commissioner's Office at ico.org.uk.
Contact
Stately FX Limited, 45 Chesham Lane, Chalfont St Peter, Gerrards Cross, Buckinghamshire, SL9 0PH.
Email: info@statelyfx.com · Phone: 01494 314964
Cookie
Policy.
How Stately FX uses cookies and similar technologies on our website. Last updated: March 2026.
What are cookies
Cookies are small text files placed on your device when you visit a website. They make websites work properly, remember your preferences, and help operators understand how their site is used.
Cookies we use
Essential cookies are necessary for the website to function. They are set in response to your actions - such as logging in or setting privacy preferences - and cannot be switched off.
Analytics cookies allow us to measure site performance. They collect aggregate data and do not identify individual visitors.
Functional cookies enable enhanced features and personalisation, set by us or by third-party providers.
Marketing cookies may be set by advertising partners to build a profile of your interests. They identify your browser but do not store personal information directly.
Third-party cookies
We may use services including Google Analytics that set their own cookies. To opt out of Google Analytics specifically, use the opt-out browser add-on at tools.google.com/dlpage/gaoptout. For general guidance on managing cookies in your browser, visit allaboutcookies.org.
Contact
Questions about our use of cookies? Email us at info@statelyfx.com.
Terms of
Use.
The terms governing your use of the Stately FX website and services. Last updated: March 2026.
About Stately FX
Stately FX Limited is registered in England and Wales (No. 14292749), registered address: 45 Chesham Lane, Chalfont St Peter, Gerrards Cross, Buckinghamshire, SL9 0PH. By accessing or using our website or services you agree to these terms.
Our services
Stately FX provides access to international payment and foreign exchange services for UK businesses. Payment and FX services are delivered by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (FRN 900797). Stately FX acts as an introducer and programme manager and does not itself hold client funds or execute transactions.
Eligibility
Our services are available to registered businesses in the United Kingdom. Applicants must be authorised representatives of their business and must complete our know-your-customer (KYC) verification process. We reserve the right to decline applications at our discretion.
Your account
You are responsible for maintaining the confidentiality of your credentials. You must not share login details and must notify us immediately of any suspected unauthorised access. All transactions initiated through your account are your responsibility.
Prohibited use
You must not use our website or services for any unlawful purpose; to transmit viruses or harmful code; to attempt unauthorised access to our systems; or to engage in any activity that damages our infrastructure or reputation.
Intellectual property
All content on the Stately FX website is the property of Stately FX Limited or its licensors. You may not reproduce, distribute, or create derivative works without our prior written consent.
Limitation of liability
We shall not be liable for any indirect, incidental or consequential damages. Our total liability shall not exceed the fees paid by you in the twelve months preceding the relevant claim. Nothing limits liability for death or personal injury caused by negligence, or any other matter that cannot be limited by law.
Governing law
These terms are governed by the laws of England and Wales. Disputes are subject to the exclusive jurisdiction of the courts of England and Wales. We may update these terms from time to time - continued use constitutes acceptance. Questions? Email info@statelyfx.com.
Complaints
Procedure.
How to raise a concern and what to expect. We are committed to resolving all complaints fairly and promptly.
How to raise a complaint
Please contact us using any of the methods below. Include your full name, account details, a description of your complaint, and any relevant dates or reference numbers.
What happens next
We will acknowledge your complaint promptly - typically within two business days - assign it to an appropriate team member, keep you informed of progress, and provide a full written response. Where your complaint relates to a regulated payment or FX service, we will also notify Ebury Partners UK Limited, who may be involved in the investigation.
Our timeframes
We aim to resolve all complaints within 15 business days. Where a full investigation requires more time, we will write to you within 15 business days to explain and provide an estimated resolution date. In all cases we will issue a final response within 35 business days.
If you remain unhappy
If you are not satisfied with our final response, or if we have not resolved your complaint within 35 business days, you may refer it to the Financial Ombudsman Service (FOS) - free of charge. As our services are delivered by Ebury Partners UK Limited, an FCA-authorised Electronic Money Institution, certain complaints may fall within the FOS's jurisdiction.
You must generally refer your complaint within six months of our final response.
Move money like
a local, globally.
Cash management and foreign exchange solutions for businesses that expect more efficiency, and value from their everyday financial services.
Payments, FX and treasury.
One unified workspace.
From domestic payments to global FX - every tool your finance team needs to operate across borders, built into a single account.
All payments, FX, treasury and reporting connected in a single platform login.
One login ExploreSend payments fast and securely through domestic banking networks.
FPS · SEPA · ACH ExploreSend payments to 160+ countries with real-time GPI tracking and low fees.
GLOBAL REACH ExploreReceive overseas revenue as a domestic transfer. No deductions, named accounts.
14+ currencies ExploreHold balances in 29+ currencies and convert when the rate suits your business.
29+ currencies ExplorePay hundreds of suppliers in one upload across any country, currency or amount.
Batch · 10K ExploreConnect Xero or NetSuite for auto-reconciliation, or integrate via REST API.
Xero · NetSuite · API ExplorePay suppliers in 130+ currencies using unsecured credit lines to free up capital.
130+ currencies ExplorePayments that
move at the
speed of business
Access 37+ payment networks and 130+ currencies across every major economic corridor. From London to Lagos, Singapore to São Paulo.
Currency risk as a
managed overhead.
From same-day spot conversions to 24-month forward contracts, Stately FX gives your finance team the tools to control currency risk, lock in favourable rates, and maintain full cost transparency on every transaction.
Trade at the live rate instantly across 130+ currencies with fixed margin protection.
BUY · SELLLock your rate today for settlement at any point up to 24 months ahead.
Long tenureSet a target rate and the platform converts automatically the moment it is reached.
Set & ForgetAccount balances, open trade positions and spend management all in one workspace.
Real-time
Alternative banking
for global operations.
-
01 Access faster payments via domestic rails worldwide.
-
02 Reduce global transfer costs with modern solutions.
-
03 Avoid exchange rate markups and hidden fees.
Serving businesses
across every sector
Whether you're sending funds globally or managing multiple currencies, we adapt our services to align with your operational needs.
Settle supplier invoices in local currency and lock rates at PO.
Batch settle suppliers ExploreCollect overseas revenue locally and convert when the rate suits.
Local collection accounts ExploreReceive marketplace payouts in local currency, pay suppliers direct.
No double-conversion cost ExplorePay hotels and operators in 130+ currencies, lock rates at booking.
130+ supplier currencies ExploreCollect client fees in USD, EUR or AUD into named currency accounts.
Named multi-currency accounts ExploreCollect SaaS revenue locally and pay global teams without friction.
Multi-currency treasury ExploreLock raw material costs at PO and pay multi-currency supplier batches.
Forward contracts at PO ExploreMove high-value cross-border transactions at competitive rates.
Time sensitive ExploreFrom sign-up to
your first payments.
Apply online in minutes. Most accounts are live within 1-2 business days after KYC.
Add beneficiaries, set approval workflows and connect Xero or NetSuite.
Deposit and trade at live transparent rates - spot, forwards or limit orders.
Send globally with SWIFT GPI tracking. Sync automatically to your ledger.
Regulated. Secure.
Safeguarded.
Stately FX is an independent financial brokerage. Our payment and FX services are provided by Ebury Partners UK Limited, an Authorised Electronic Money Institution regulated by the FCA (Register No. 900797).
How would you
like to reach us?
We are available Monday through Friday, 08:30 - 17:30.
