Grow your business without borders

At Flowbrite we're here to help you buy and sell in new markets with fast, secure and affordable transfers. We can also help manage your currency risk with FX hedging strategies.

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Literally every feature of Flowbrite has upleveled our payments game. From totally nixing wire fees, to having the convenience of streamlining multiple payments into one, to being able to more advantageously leverage the Forex market (I have the upper hand for once!), we are beyond pleased with Flowbrite. The level of support, professionalism, and responsiveness are bar none. Cheers to finally having a modern, forward-thinking payment platform!

Laura Tour operator

Why choose Flowbrite?

We'll help you get paid and manage your FX risk

Flowbrite clients can hold, collect and pay over 30 currencies in over 180 countries via our online platform or over the phone. There are no charges to open an account or to hold currencies and our exchange rates are some of the best in the market.

In addition, our experts can help to reduce your exposure to unwanted exchange rate movements with our foreign exchange solutions, helping protect your profits.

Fluctuations in foreign exchange rates can affect a company's sales margin, and can in the worst-case scenario significantly reduce a company's operating profits.

You can reduce your risk and protect your profits from exchange rate movements with the help of our hedging strategies. These are implemented ahead of time to eliminate your downside risk.

Currencies
30+
Countries
180+
Risk
Managed

Simplified

Accept payments in foreign currencies.

Enable your customers to pay you directly into a named bank account in any of over 30 currencies.

Local-in, local-out

When you join Flowbrite you are issued local named bank accounts in the US, Canada, Europe and the UK, plus a named multi-currency account in the UK for every other currency. This combined with our local pay out capabilities to over 50 countries really does mean you can transact like a local.

  • Make it easy for your customers to pay you. Invoice them in their own currency and allow them to pay via local payment networks where possible. Manage the FX risk with a forward contract as part of your hedging strategy.
  • Delight your suppliers. We can pay out to over 50 countries using local payment networks meaning your international suppliers can get paid in full too and will want to work with you.

We can help reduce the fees associated with sending and receiving international payments.

Demystified

Fix your exchange rate with a forward contract.

Lock in an exchange rate without having to buy currency upfront, protecting you from currency fluctuations and helping to reduce risk.

What is a forward contract?

Booking a forward contract with Flowbrite allows you to secure an exchange rate for a trade on a date upto 12 months in the future. They are used to help minimise the impact of currency fluctuations and market volatility on profit margins. At Flowbrite we offer 2 types of forward contract:

  • Fixed forward contracts. Buy or sell an agreed amount of a currency pair on a particular date in the future.
  • Flexible forward contracts. Also known as an open forward, this is the same as a fixed forward, but with the added flexibility of being able to draw down funds to make payments over the course of the contract.

Why hedge?

Buying a forward contract and locking in an exchange rate it means you know exactly what exchange rate you're getting for a period of time. You can use it to accurately predict your profit or make it easier to price. If you chose not to hedge the market could move against you leading to potential losses or the need to charge more for your products or services.

Things to consider...

  • You must pay a deposit. This is known as "margin" and is typically 3% to 5% of value of the contract. It is essentially a security deposit that must be paid when the forward contract is booked.
  • Markets move. During a forward contract, if the market rates move against you, you won't lose out because your rate is secured. However, if rates move significantly against you, you may need to top up your deposit. This is known as a "margin call".

How do I buy a forward contract?

Froward contracts must be booked through your account manager.

Explained

FX orders for businesses.

With an FX order you can instruct Flowbrite to monitor the market for for a target exchange rate. We'll notify you when the rate is achieved, leaving you free to focus on your business.

What is an FX order?

FX orders allow you to protect against short-term downside risk, or alternatively to use market volatility to your advantage by targeting a more favourable rate. At Flowbrite we offer 3 types of FX order:

  • Take-profit orders. A take-profit order targets an exchange rate better than the current spot rate. They are the best option if the currency is trending upwards and you believe it will continue to rise.
  • Stop-loss orders. A stop-loss order can be thought of as the opposite of a take-profit order with the rate set below the current spot rate. Stop-losses are usually used to to limit your exposure to downward market trends.
  • One-cancels-other orders. Also known as an OCO order. This order type combines both a take-profit and stop-loss order. If the target rate is met for either order the other one is cancelled. OCO orders allow you to take advantage of possible positive exchange rate movements whilst simultaneously protecting against downward movements.

How do I place an FX order?

All you need to do is to decide on your target rate and expiry date and time. Then just call your account manager to place the order. When the target rate is hit or the order expires we will notify you.

Phew! Don't worry!

Help is at hand

This may all sound rather complicated, but rest assured we're here to guide you through the process of taking control of your FX risk.

And don't forget these other benefits

Competitive exchange rates.
We believe in transparency, so whether you choose to book trades online or via your account manager we will give you fair, fixed and transparent pricing.
Safe-guarded funds.
Your funds are safeguarded by our FCA-regulated e-money partners at a credit institution and are kept separate from any company operating accounts.
Customer service.
At Flowbrite you'll deal with real people with expert market knowledge to get all the support you need. Our clients come first.

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Flowbrite Payments is a registered company in England & Wales number 15543203.

For United Kingdom, Payment services for Flowbrite Payments Limited are provided by The Currencycloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currencycloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199)

For European, Payment services for Flowbrite Payments Limited are provided by CurrencyCloud B.V.. Registered in the Netherlands No. 72186178. Registered Office: Nieuwezijds Voorburgwal 296 - 298, Mindspace Nieuwezijds Office 001 Amsterdam. CurrencyCloud B.V. is authorised by the DNB under the Wet op het financieel toezicht to carry out the business of a electronic-money institution (Relation Number: R142701)

For United States, Payment services for Flowbrite Payments Limited are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here. 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.

Payment Services are provided by Equals Connect Limited, registered in England and Wales (registered no. 07131446). Registered Office: Vintners' Place, 68 Upper Thames St, London, EC4V 3BJ. Equals Connect Limited are authorised by the Financial Conduct Authority to provide payment services (FRN: 671508).

All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk. Currencycloud Terms

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