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Foreign exchange solutions for you

No matter what your needs are, we can help. Our solutions will have you covered whether you need to make a one off payment, set up regular transfers or just want to protect a rate for a future transaction. Learn more about how we can help below.

Spot contracts

If you need to make an international payment straight away (or with very little notice) then a spot contract could be the one for you. We would offer you a rate based on the live exchange rate on the day and you can make a payment there and then. They're great if you just need to get it done. And we'll make sure you get the best rate possible, we've even got a price promise!

Forward contracts

If you want to lock in a rate but aren’t ready to make a transfer - fix it up to 3 years in advance. The great thing about this is that you'll know exactly how much you'll get when you're ready to transfer.

You might need to pay an initial deposit, then the balance will be due at the end of the contract.  If the rates move against you, you may need to top up the deposit. Your dealer will explain and discuss this with you before you book your forward.

Regular payments

Automate your regular international payments. You can set up a plan with us so that when we receive your money, we'll convert it quickly, reliably and securely. That way, your payments get to your bank account minus the hassle. And you can choose if you want it converted at the rate on the day, or you can lock in a rate, making budgeting a whole lot easier.

Currency options

For when you've got a transaction coming up and want the security of fixing a rate but also want to be able to benefit if the rates move in your favour when you actually come to make the transaction - a currency option might be right for you.

Also known as a 50% participating forward


Basically, you set a worst case rate and if the rate moves in your favour you'll get 50% of the upside. The reason you don’t get 100% of the upside is that you don’t pay a premium. But you still have 100% protection if rates move against you.


So if the rate was worse than your worst case rate you'd buy all of the currency at your agreed worst case rate. And if the rate is better than your worst case rate then you'd buy 50% of your currency at the better rate and the other 50% at your worst case rate.


  • Guaranteed worst case rate
  • You benefit from favourable currency moves on 50% of your money
  • Zero premium to pay


  • Your worst case rate is slightly worse than a forward contract

Helpful currency exchange guides and information

The World First blog is a handy resource to help you understand and navigate the fast changing world of currency exchange. With devoted channels for private, corporate and ecommerce clients there’s something for everyone. So, whether you’re looking for business inspiration, exploring online selling platforms or even searching for your next property abroad we’ve got you covered.