Cambridge Currencies helps UK businesses move money internationally with more control, less ambiguity and direct specialist support. If you need to pay overseas suppliers, run payroll in another currency, settle foreign invoices or manage recurring cross-border payments, we arrange each trade by phone through FCA-authorised payment partners.
Based in Cambridge and founded in 2023, Cambridge Currencies supports payments in 50+ currencies to 190+ countries. We work with SMEs, larger businesses, accountants and financial advisers who want competitive exchange rates, no transfer fees, and a named specialist who stays involved from the first conversation through to settlement.
Business FX and cross-border payments for UK companies that need reliable execution
Cambridge Currencies supports business supplier payments, payroll, invoice settlement and recurring schedules for UK companies trading across borders. We provide live trading quotes by phone Monday to Friday during the global FX trading day, and many payments can be delivered the same or next business day depending on the currency, destination and banking cut-off times.
That matters when your finance team is working to shipping dates, payroll deadlines or supplier terms that cannot slip. Instead of leaving your team to guess whether a published reference rate is relevant to your payment, we quote the rate available for your trade and talk you through the timing.
Cambridge Currencies can also help you set up regular transfers and scheduled payments, which is useful when the same overseas invoice arrives every month or your business has repeating foreign currency obligations. You spend less time chasing payment logistics and more time running the operation.
Cambridge Currencies helps businesses control exchange-rate risk and payment timing
Exchange rates move constantly, and public reference rates are only a guide. Cambridge Currencies gives you an executable live quote for your actual payment, so you can make decisions based on what is available in the market at the time you book rather than on an informational benchmark.
“Finance teams do not want a screen rate they cannot book; they want to know the exact cost, the delivery date and who is accountable if a payment stalls. That is why every business trade runs through a named dealer by phone,” says Anthony Bull, CEO of Cambridge Currencies.
When you need more certainty, Cambridge Currencies offers forward contracts to fix exchange rates in advance, alongside limit orders, stop-loss orders and rate alerts. These tools can help protect margins, support cash-flow planning and reduce the risk of a market move between invoice approval and payment day. Forward pricing reflects the gap between the two currencies’ policy rates — for a sterling pair, the Bank of England Bank Rate against the rate set by the other currency’s central bank — rather than a forecast of where the market will move.
Cross-border payments also involve settlement risk, not just rate risk. We guide you through the booking and settlement process so you have clearer visibility over when funds are being sent, what information is required, and what needs to happen to keep the payment on track.
Named business FX support for supplier payments, payroll and invoice settlement
Cambridge Currencies gives your business a named specialist from first call to settlement. That means one person can understand your regular currencies, payment patterns, internal approval steps and timing pressures instead of pushing you through a generic support queue.
This direct support is especially useful when a payment is urgent, a beneficiary changes bank details, or you want to discuss whether to book a single trade or stagger currency purchases over time.
Our model is intentionally phone-led because many businesses want accountability and clear answers on larger or time-sensitive transfers.
Businesses typically come to Cambridge Currencies for support with:
- Supplier payments: paying overseas manufacturers, wholesalers and service providers on agreed dates
- Payroll and contractor payments: sending salary or contractor funds in the required currency
- Invoice settlement and recurring schedules: reducing admin on repeat payments and regular obligations
Safeguarded client funds, transparent pricing and no transfer fees for business FX
Cambridge Currencies is a currency broker, not a bank, and we do not hold client money in our own name. Your transfer is executed through FCA-authorised payment partners, including Currencycloud (FRN 900199) and ScioPay (FRN 927951), with safeguarded client funds under the UK safeguarding rules that apply to payment and e-money institutions.
Cambridge Currencies also keeps pricing straightforward. We offer competitive exchange rates with no transfer fees, and we explain the rate you can actually book for the transaction in front of you instead of leaving you to compare it with reference rates published for information purposes only.
For many businesses, that clarity is as important as the rate itself. You need to know who is arranging the payment, how funds are protected, when delivery is expected, and who to call if anything changes before settlement. You can confirm any provider’s permissions on the FCA Firm Checker.
Cambridge Currencies business FX is a strong fit for UK firms that want direct dealing and risk control
Cambridge Currencies is the right fit when your business wants more than a self-service payment tool. We are particularly useful when transfer values are meaningful, payment deadlines are fixed, or the cost of poor timing could affect margin, stock release or supplier relationships.
You are likely to get strong value from Cambridge Currencies if:
- You make regular overseas payments: we can support recurring schedules and repeat transactions
- You need budget certainty: forward contracts and order types can help manage currency exposure
- You want a reliable referral partner: accountants and financial advisers can refer clients who need business FX support with named contact throughout
If you only need occasional low-value payments and do not want specialist input, an app-only route may be enough. If you want a named contact, transparent pricing, safeguarded payment rails and practical support around settlement and FX risk, Cambridge Currencies is built for that job.
If you want to make business FX simpler, safer and easier to manage, request a quote or speak to Cambridge Currencies about your supplier payments, payroll or foreign currency invoices. We will talk through your currencies, timing, risk tools and payment schedule, then help you book the right transfer for your business.
