Foreign exchange for businesses
managing cross-border payments.

Who business FX is for

Companies paying suppliers abroad, collecting from customers in other currencies, or managing currency risk across borders:

• Importers and exporters paying invoices and receiving payments in foreign currencies.
• E-commerce sellers collecting in USD, EUR or GBP and converting when rates are favourable.
• Agencies and consultancies invoicing international clients and paying freelancers abroad.
• Family offices and holding companies managing treasury across multiple entities and currencies.
• Manufacturers and distributors locking in supplier costs or hedging receivables.
• Businesses expanding internationally, opening accounts and moving capital.

Spot FX: convert when you choose

Hold balances in 40+ currencies through our regulated partner institutions, and convert when the rate or timing suits you. Every FX quote is referenced to the live mid-market rate; our margin is shown before you confirm.

No pressure to convert immediately, no forced conversions, and no hidden costs. You see exactly what you pay.

Payments in 40+ currencies

Send and receive payments via SWIFT, SEPA, Faster Payments and local rails. Timing is commonly same-day or next working day, depending on the currencies and payment networks; we confirm before you send.

Receive payments into Named IBANs carrying your business name, where available, so your clients' banks can match the beneficiary cleanly and your accounting stays simple.

A named relationship manager

Every business account is assigned a relationship manager who handles your onboarding, answers questions and helps with payment routes, compliance documents and FX strategy. One person, one inbox, consistent answers.

Transparent pricing

Our pricing is published on vaultmoney.io/pricing and moves with your volume:

Your tier is set automatically each month by your aggregate conversion volume. Minimum transaction size: EUR 10. Onboarding and compliance review: EUR 149 one-off. Account fee: EUR 99 per month, credited in full against your transaction fees.

Every rate, including SWIFT and local payments, is on vaultmoney.io/pricing.

Worked example: converting EUR 100,000 at Standard tier

Timing: when does the money arrive?

Timing is commonly same-day or next working day, depending on:

• The currencies and payment networks (SEPA, SWIFT, Faster Payments, local rails).
• Cut-off times for your sending and receiving institutions.
• Correspondent banks, where SWIFT applies.
• Whether compliance checks are required by the receiving institution.

We confirm expected timing for your specific route before you send, so there are no surprises.

How it works

Regulatory and compliance

Vault Money is not a bank and does not hold client funds. Payment services are provided through our regulated partner institutions.

Our FX margin is shown on every quote, referenced to the live mid-market rate. Timing for payments is commonly same-day or next working day; we confirm timing before you send.

All accounts are subject to compliance review and approval by our partner institutions. We collect the necessary documents during onboarding and keep you informed at every step.

Questions