FOR FINANCE TEAMS
Mid-market rates, our margin stated before the trade and the all-in cost locked before funds move. A named dealer on the line for supplier payments, payroll runs and hedged exposures. Same-day settlement on major pairs.
TRANSPARENT PRICING
Most corporates never see the rate they actually paid. Your bank quotes a single number with the margin built in, and the spread is absorbed into the transaction before it reaches your ledger. We work the other way. Before any trade is booked, you see the mid-market rate, the margin we are adding and the all-in cost. Nothing is embedded, and nothing is inferred after the fact.
SUPPLIER PAYMENTS
We quote the mid-market rate at the moment of execution, show our margin in plain terms, and confirm the all-in cost before you release the payment. The number on the wire is the number you agreed.
MULTI-CURRENCY PAYROLL
Cross-border payroll runs on tight windows and tighter margins. When the rate is opaque, reconciliation becomes guesswork. We price each run against the live mid-market reference, disclose the spread up front and lock the all-in figure before funds move. Your finance team sees the build, not just the result.
MULTI-CURRENCY ACCOUNTS
Inbound receipts are often converted at the receiving bank's discretion, on terms set after the fact. We hold balances in the original currency and quote conversions only when you ask, against a visible mid-market rate with a stated margin. You decide when to convert, and on what terms.
One email opens the conversation. No login, no migration.
Spot and forward, set side by side with what you pay today.
Nothing is committed until you place a trade.
HEDGING TOOLS
When you know a payment is coming, whether a supplier contract, a capex tranche or a quarterly royalty, there is no reason to let the rate between now and then eat the margin. Fix it today. Settle when the invoice lands.
FORWARD CONTRACT
A €2M supplier contract signed at €/£ 1.17 is £1,709,000. If the pair drifts 5% before settlement, the bill jumps by £85,000. A forward removes that variable.
MARKET ORDER
Name the rate that works for your budget. We watch the market 24/5 and execute the moment it is touched, whether that is 10am Monday or 3am Sunday. No staring at screens.
HEDGING POLICY
Your dealer helps you layer forwards against confirmed flows and market orders against opportunity. The policy is reviewed quarterly as the order book moves.
UNITED KINGDOM END CUSTOMERS: Payment and e-money services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: 1 Sheldon Square, London, W2 6TT, United Kingdom. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199) | UNITED STATES END CUSTOMERS: Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here: https://usa.visa.com/legal/visa-global-services-licenses.html VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041 | EEA END CUSTOMERS: The issuance of e-money and the provision of related payment services for Medlock & Thames are provided by CurrencyCloud B.V. CurrencyCloud B.V. is registered with the Dutch Chamber of Commerce in the Netherlands under number 72186178. Registered office Mr. Treublaan 7, 1097 DP, Amsterdam, Netherlands. CurrencyCloud B.V. is licensed and regulated by De Nederlandsche Bank as an Electronic Money Institution (Relation Number: R142701). https://www.currencycloud.com/legal/terms/ | Medlock & Thames’ payment and foreign currency exchange services are provided by Global Currency Exchange Network Ltd T/A GC Partners. Global Currency Exchange Network Ltd is authorised by the FCA under the Payment Services Regulations, 2017 (FRN: 504346). Registered as a Money Services Business, regulated by HM Revenue & Customs (“HMRC”) under the Money Laundering Regulations 2017. (Registration number is 12137189). Registered in England and Wales. Company number 04675786. Registered Office 3rd Floor 100 New Bond Street, London, England, W1S 1SP.