Work in progress · copy MLRO-cleared 2026-08-13 · design and product notes still open · programme report
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FCA-authorised EMI FRN 901043

Four currency accounts, in your own name.

For people whose money arrives in more than one currency and does not belong to a company.

What arrives, and where it lands.

A company account routes everything through one entity. Here, each currency keeps its own account and its own details, held in your name.

Fees from clients abroad

Give a client the details for the currency they pay in, so the money arrives without a conversion neither of you chose.

Income from more than one country

Salary, rent or distributions can land in the account for their own currency and stay there until you decide otherwise.

Proceeds you are not ready to convert

A balance can sit in the currency it arrived in. Nothing converts unless you ask for it.

Convert on your timing, not the payment’s.

Holding and converting are separate steps. Four currencies are held; conversion is available across 38 supported currencies for eligible payments.

The rate and the applicable fees are shown before a conversion is confirmed. Rates are live and held for a short window. FX pricing is set by your plan, and the fee schedule gives the reference rate, the margin applied and the conditions.

See the fee schedule

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Who else can see it, and what they can do.

An adviser who needs to look

Invite an accountant or adviser and give them view access to one account rather than all of them.

Someone who needs to act

Set what each person you invite can see and do, separately for each account.

A record of the account

Each account keeps its own balance and its own transaction records, in the app or the web portal.

Set permissions for your advisers

Illustrated key inserted into a glowing keyhole

What we ask for, and why.

Identity, and where the money comes from. Where a trust, company or other structure sits behind the account, who sits behind that.

We ask upfront rather than in stages, which is what shortens the back-and-forth. Acceptance is subject to our risk appetite and jurisdiction limits.

Talk to our onboarding team

Not quite your situation?

More than one person involved

Advisers and family sharing one pot, with different permissions. For family offices →

You bill clients

Fees in several currencies, and clients who may need accounts of their own. For practitioners →

It is for a company

Accounts, payments and controls for a business rather than a person. For business →