Dataset current to Oct 2026

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Business FX & Cross-Border Payments

Fifteen business accounts for paying suppliers and contractors in other currencies, compared on what one defined payment costs once the margin, the per-payment fee and the plan fee are added up — and, underneath, the brokers that publish no price.

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The comparison

15 providers. Sort any column; the sorted or filtered view has its own address and can be linked to.

Plan fee

15 providers

Every figure here was checked against the provider’s own page in Oct 2026, except where a date is shown against the figure. Figures are rechecked at least every 90 days; one past that is marked “Recheck due”.

date checked against the provider’s own pagecalculated; oldest date among its inputspast its recheck window

Segments show the tier reached, not the score:BasicStandardStrongExcellent

The first column is the payment alone: the margin on the part of the amount above any allowance, plus the fee per payment. The second adds the plan fee, which is what a business sending one such payment a month actually pays. A plan whose allowance covers the whole payment shows a payment cost of nothing and a month cost equal to its fee; send more and the order changes, which is why the scenario is stated.

Quote-only: FX brokers that publish no price

7 providers. These firms quote a rate on request and do not publish the margin in it, so there is no figure to rank. Most offer what the accounts above do not: forward contracts and options to fix a rate in advance.

  • OFX Business

    OFX (UKForex)

    Broker with a free standard plan and a £75-a-month suite; SWIFT payments £5 each.

    Price it publishes
    £5 per SWIFT payment; margin not published
    Smallest payment
    £100
    Largest payment
    No maximum stated
    Hedging
    Forwards up to 12 months, typically from £25,000; limit orders
    Client money
    Safeguarded, kept separate from its own accounts
    Regulated as
    FCA e-money institution, FRN 902028
    Go to OFX (opens ofx.com in a new tab)

  • Currencies Direct Business

    Currencies Direct

    Broker with no transfer fee and the price in its rate.

    Price it publishes
    No transfer fee; margin not published
    Smallest payment
    Not stated
    Largest payment
    No maximum stated
    Hedging
    Forwards up to two years; market orders
    Client money
    Segregated client account
    Regulated as
    FCA e-money institution, FRN 900669
    Go to Currencies Direct (opens currenciesdirect.com in a new tab)

  • TorFX Business

    TorFX (Tor Currency Exchange)

    Broker in the Currencies Direct group; no fee for business payments.

    Price it publishes
    No transfer fee; margin not published
    Smallest payment
    No minimum
    Largest payment
    No maximum; online up to £100,000
    Hedging
    Forwards up to two years; limit and stop-loss orders
    Client money
    Segregated accounts
    Regulated as
    FCA e-money institution, FRN 900706
    Go to TorFX (opens torfx.com in a new tab)

  • Equals Money

    Equals Money

    Business payments platform priced by annual plan, with the conversion price in its rate.

    Price it publishes
    Plans £300 or £420 a year; margin not published
    Smallest payment
    Not stated
    Largest payment
    Not stated
    Hedging
    Forwards up to 12 months; options through third parties; limit and stop-loss orders
    Client money
    Safeguarded accounts with tier-one banks
    Regulated as
    FCA payment institution, no. 488396
    Go to Equals Money (opens equalsmoney.com in a new tab)

  • Ebury

    Ebury

    FX and payments for importers and exporters, with forwards and options.

    Price it publishes
    'Zero hidden fees'; margin not published
    Smallest payment
    Not stated
    Largest payment
    Not stated
    Hedging
    Forwards and options
    Client money
    Separate accounts under safeguarding and client money rules
    Regulated as
    FCA e-money institution, FRN 900797
    Go to Ebury (opens ebury.com in a new tab)

  • Corpay Cross-Border

    Corpay

    Now includes Global Reach; publishes no fees or margins.

    Price it publishes
    No fees or margin published
    Smallest payment
    Not stated
    Largest payment
    Not stated
    Hedging
    Open, fixed, window and non-deliverable forwards; options through its investment firm
    Client money
    Safeguarding accounts or an insurance policy
    Regulated as
    FCA e-money institution, FRN 900702
    Go to Corpay (opens corpay.com in a new tab)

  • Convera

    Convera

    Formerly Western Union Business Solutions; aimed at companies with over $10 million in revenue.

    Price it publishes
    Fee schedule on request; margin not published
    Smallest payment
    Aimed at companies with $10M+ revenue
    Largest payment
    No maximum stated
    Hedging
    Forwards, non-deliverable forwards, swaps and options
    Client money
    Designated client account, separate from its own funds
    Regulated as
    FCA payment institution, FRN 517165
    Go to Convera (opens convera.com in a new tab)

Every fact here was checked against the provider’s own page in Oct 2026. Figures are rechecked at least every 90 days; one past that is marked “Recheck due”.

Scoring weights

rubric 2026.1

  • One £10,000 payment, with the plan fee70%
  • Fixed cost per month30%

Set once per vertical and versioned. Changing a weight is a logged version bump, not routine upkeep — methodology.

Verification state

Dated fields in this table
92
Oldest check
Sep 2026
Most recent check
Oct 2026
Recheck window
90 days
Past that window
0

Put your own numbers in

The same fees as the table above, worked out for your situation.

Ranked for a specific question

The same verified data, ordered by the figure that answers one decision rather than by the overall score.

Guides

One question each, answered in the first sixty words from the figures in this table.

Scope

What the figures cover, and what is deliberately absent — an omission a reader cannot see looks like an oversight.

What this table covers

  • Every margin, allowance, fee and plan price is read off the provider's own fee schedule or pricing page and dated individually.
  • The headline columns price one scenario: a single £10,000 payment from pounds into US dollars in one month, sent the standard way, first on its own and then with the plan's monthly fee added.
  • Where a provider quotes a margin over the interbank or mid-market rate, that margin is the figure. Where it applies a fee above an allowance, the allowance is applied to the scenario first.

What it leaves out, and why

  • Providers whose price is inside the exchange rate and not published as a figure are not ranked: a 'no fee' payment with an undisclosed margin cannot be compared. The FX brokers among them are listed below the table with what they do publish.
  • Banks and accounts that publish only part of the price: NatWest (a margin of up to 2.65% plus £15 a payment), HSBC (£5 a payment, no margin), Monzo Business (a fee of up to £9 plus 0% to 1.80%), and Barclays and Moneycorp, whose business pricing pages could not be read when this table was checked.
  • Revolut Business Scale, whose page confirms only an annual-billing price; Payoneer, built for receiving rather than paying from pounds; Allica, which uses Wise's pricing; Countingup, which routes payments through CurrencyFair without a published margin; Mettle, which does not send international payments; and Argentex, in special administration since July 2025.
  • Settlement speed and country coverage. Both are published as marketing claims in incomparable forms.
  • Card FX fees, receiving fees and multi-currency account features. This table is about sending a payment; the neobanks table covers card spending.

Every figure above is dated to the last time it was checked against the provider’s own pricing page, not to when this page was published. See methodology for how scores are calculated from those figures.