BUSINESS FINANCE
Compare providers for overseas supplier payments, international payroll, multi-currency accounts and business foreign exchange.
PAY OVERSEAS
Send suppliers, contractors and employees in supported currencies and countries.
MANAGE CURRENCIES
Hold, receive or convert currencies where the provider supports multi-currency accounts.
MANAGE FX RISK
Compare spot payments, forward contracts and rate-order tools where available.
Rates, fees, payment coverage and FX tools vary by provider. We compare participating providers and do not cover the whole market.
Answers update the filters below. Unknown provider facts are not treated as a No.
WiT Money lists live UK international-payments and business-FX providers in Provider A–Z order until you answer suitability questions. Best match is then a deterministic compatibility score from verified fields such as payment coverage, multi-currency accounts, batch payments, forward contracts, local account details and support model. Unknown facts do not earn a match and do not hard-fail unless a verified conflicting criterion exists. Ranking is not determined by advertised fees or affiliate commission.
Do not rank providers by the lowest advertised fee. Total cost depends on currency pair, amount, payment route and the exchange rate applied. Some providers use a mid-market or interbank rate plus a disclosed fee; others quote a rate that already includes a margin. Transfer fees, subscription fees and tailored quotes can also apply. We never invent a universal spread.
We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. Commercial arrangements do not determine Best Match results.
Compare participating providers by verified payment coverage, FX tools, account features, service model and published pricing.
Information checked 15 September 2026. Default order is Provider A–Z.
Best match is available after you answer suitability questions. It uses verified fields only and is not a product-quality or lowest-fee ranking.
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Important. Strong for international payments, accounts and automation; not a forward-contract/hedging provider on current UK product pages.
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Important. Good low-cost cross-border payment proposition; do not infer forwards/risk-management tools.
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Important. Credible editorial provider; exact forward term is source-conflicted and must not be used for hard filtering/ranking until confirmed.
Provider criteria need confirmation.
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Important. Strong specialist for larger/complex FX needs; option products require especially careful regulatory wording.
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Important. Strong all-round option for payments plus FX risk management; forward-contract minimum is typically £25,000 but lower amounts may be considered.
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Important. Good specialist FX partner with human support; avoid inventing forward terms/currency-holding features.
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Important. Best for transparent transactional FX and international payments; do not position as hedging/forward-contract provider.
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Important. Good fit for e-commerce/import-export businesses; new-customer FX pricing must be labelled promotional/current.
Unknown facts show as a dash, never as No.
| Provider | Payments reach | Currencies | Multi-currency account | Batch payments | Forward contracts | Target/limit orders | Account manager | Pricing approach |
|---|---|---|---|---|---|---|---|---|
| Airwallex | 120+ local / 200+ SWIFT destinations | Local transfers to 120+ countries; SWIFT to 200+ countries | Yes | Yes | No | No | No | Monthly plans + transaction fees |
| CurrencyFair | 150+ countries | 20+ currencies | Yes | — | — | Yes | No | No monthly fee + FX margin + transfer fee |
| Equals Money | International via SWIFT/SEPA/SEPA Instant and other rails | 140+ currencies | Yes | Yes | Yes | Yes | Yes | Custom/tailored |
| Moneycorp | 190 countries | 130+ currencies | Yes | Yes | Yes | Yes | Yes | Tailored FX / low or no transfer fees depending route |
| OFX | 180+ countries | 30+ currencies | Yes | Yes | Yes | Yes | Yes | Tiered subscription + transaction/FX fees |
| TorFX | 120+ countries | 40+ currencies | Yes | — | Yes | Yes | Yes | No public fixed price schedule verified |
| Wise Business | 160+ countries for payments | Send to 160+ countries; convert/hold 40+ currencies | Yes | Yes | No | No | No | Usage-based |
| WorldFirst | 200+ countries/regions | 100+ currencies | Yes | — | Yes | Yes | Yes | No ongoing account fee + transaction/FX fees |
Total FX cost
Compare the amount delivered after the exchange rate, transfer fees, receiving charges and any account or SWIFT fees — not the headline fee alone.
Currencies & destinations
Check send, receive and country coverage against the routes you actually need. Local rails and SWIFT reach are not the same.
Multi-currency account
See whether you can receive, hold and pay in multiple currencies without converting every incoming payment immediately.
Batch/automation
Batch or mass-payment tools, APIs and approval workflows are shown only where verified. Unknown is not treated as unsupported.
FX risk-management tools
Forwards, target/limit orders and related tools are listed only when verified. A transactional FX provider is not automatically a hedging provider.
Service model
Compare self-serve digital platforms with dedicated FX specialists or account managers, based on verified support fields.
We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. Commercial arrangements do not determine Best Match results.
Guidance
General information only. This is not personalised hedging or investment advice.
Cross-border payments let businesses pay suppliers, employees and partners overseas. Providers differ on currencies, destinations, settlement routes, fees and support.
A spot FX transaction converts currency at an agreed current rate for near-term settlement. The exact rate includes the provider’s pricing model or margin.
A forward contract can lock an exchange rate for a future business payment. It can provide certainty but may mean missing a better market rate later, and eligibility/deposit requirements can apply.
Forward contracts can provide exchange-rate certainty but create contractual obligations. Deposits, losses on cancellation and eligibility requirements can apply.
These accounts can let a business receive, hold and pay in multiple currencies without converting every incoming payment immediately. Currency coverage varies.
Batch tools can reduce admin when paying many suppliers, employees or contractors. Limits, file formats and API capabilities differ by provider.
Local payment rails can reduce cost and improve speed on supported routes. SWIFT provides broad international reach but may involve extra fees or intermediary banks.
Some providers use the mid-market/interbank rate plus a disclosed fee; others quote a rate that includes a margin. Compare the total amount delivered, not only the headline fee.
Compare currencies, destinations, total FX cost, transfer fees, payment speed, account features, risk-management tools, integration needs and service model.
Related tools
International payments and FX are not lending. Use these existing tools if you also need accounts, cards, spend controls, invoice finance or cash-flow guidance.
FAQs
Grouped answers from the verified comparison research.
ABOUT THIS COMPARISON
PAYMENTS BASICS
BUSINESS FX
COSTS & RATES
SPEED & COVERAGE
RISK & SAFETY
International payments and FX are not lending. Explore business accounts, cards or cash-flow guidance if you need a different type of product.
Rates, fees, payment coverage and FX tools vary by provider. We compare participating providers and do not cover the whole market.