Edwards FX exists to make moving money across borders simpler, cheaper and more transparent for UK businesses. We do this by combining genuine treasury-desk service with regulated payment infrastructure that delivers institutional-grade rates.
Edwards FX is the front office. We bring the relationships, the expertise and the day-to-day service. The regulated heavy lifting — the FCA permissions, the safeguarding banks, the payment rails — is delivered by The Currency Cloud Limited (“Currencycloud”), our chosen electronic money partner.
We chose this model deliberately. Holding an Electronic Money Institution authorisation is expensive to maintain and slow to scale. By operating as an introducer and distributor of Currencycloud's regulated infrastructure, we can put our energy into what actually matters to clients: better rates, faster onboarding and a dealer who answers the phone.
It's the same pattern used by most independent FX brokerages in the UK — what differs is the quality of the partner, the discipline of the relationship management, and how transparent the firm is about how it all works. We try to do all three well.
Edwards FX provides the service. Currencycloud holds the regulation. When you trade with us, your contract for the regulated payment and e-money service is with The Currency Cloud Limited, an FCA-authorised Electronic Money Institution (FRN 900199). Edwards FX Ltd is not itself authorised by the FCA — we operate as the customer-facing distributor of Currencycloud's services.
We're a small, focused team that prefers to do a few things excellently rather than a lot of things adequately. Here's what that looks like in practice.
One point of contact who understands your business, your timing and your supplier flows. No call centres, no bots, no being passed around.
Payment and e-money services are provided through The Currency Cloud Limited, authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN 900199). Client funds are safeguarded by Currencycloud in line with those regulations.
We earn on the spread — no commissions, no monthly subscriptions, no hidden fees. You see exactly what you're paying before you commit.
Set target rates and get notified the moment the market hits your level. Trade by reply or pick up the phone.
Edwards FX Limited is the legal entity that holds the client relationship. We are not authorised or regulated as a payment institution or money service provider in our own right; our role is to introduce and service clients on behalf of our regulated payment partner.
All regulated payment activity — currency conversion, holding of client funds, and outbound international payments — is performed by The Currency Cloud Limited under their FCA authorisation. When funds are posted to your account, e-money is issued in exchange by Currencycloud, who safeguard the underlying funds at a reputable bank in line with the Electronic Money Regulations 2011.
For more detail on how your funds are protected, see our safeguarding page.
15 minutes on the phone is usually enough to know whether we can save you money. No hard sell, no commitment.
Payment and e-money services for Edwards FX Ltd are provided by The Currency Cloud Limited, authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN 900199).