From single supplier payments to fully automated mass payouts, every service is delivered through our FCA-authorised payment partner and supported by a dedicated dealer who knows your business.
A spot transaction is the simplest way to move money internationally. You agree a rate today, settle within one to two business days, and the funds land with your beneficiary.
Our role is to give you direct access to wholesale-sourced rates that high-street banks rarely match, with a transparent margin you see before you commit. Our dealers handle the trade; settlement runs on our regulated payment partner's rails.
Same-day settlement is available across GBP, EUR and USD pairs for trades booked before our dealing-desk cut-off.
A forward contract lets you fix today's exchange rate for a payment that's due in the future. If you've got a confirmed supplier order shipping in three months and you want to know exactly what it will cost in sterling, a forward locks the rate in.
Forwards are available up to 12 months and are tied to genuine commercial transactions — invoices to pay, orders to settle, payroll to fund. They're a margin-protection tool, not a speculative one.
Forward contracts available through Edwards FX are intended exclusively for the commercial purpose of paying for goods, services or genuine business obligations. They are not available for speculative or investment purposes. All forwards are arranged through our FCA-regulated payment partner.
Once you've converted, the next step is getting the money to its destination. We send to over 180 countries through a combination of SWIFT, SEPA and local payment rails — chosen automatically based on the corridor that's fastest and cheapest for your beneficiary.
All payments are initiated and settled by The Currency Cloud Limited, our FCA-authorised electronic money partner. Your funds are safeguarded by Currencycloud at all times.
Hold balances in multiple currencies under a single relationship. Receive in dollars, hold in dollars, pay out in dollars — and only convert to sterling when you actually need to.
This eliminates round-trip conversion costs when you have both incoming and outgoing flows in the same currency, which is common for businesses with overseas customers and overseas suppliers.
Most businesses paying suppliers abroad have no idea what their bank is actually charging them. The FX margin is rolled into the rate, the wire fee is broken out separately, and it all looks transparent — until you compare it to wholesale.
Our FX risk audit is a free, no-obligation review of your last six to twelve months of currency activity. We benchmark your historical rates against wholesale at the time of each trade, identify where margin is leaking, and produce a written report with practical recommendations.
Indicative findings: across audits we've run for UK SMEs, the effective margin recovered when switching from a high-street bank to a specialist FX provider is typically 1.5–4.2% per transaction, depending on pair and trade size.
If you're paying ten, fifty or a thousand beneficiaries at a time — payroll, contractors, suppliers, royalties — manual entry doesn't scale. Mass payments turn that into a single upload or API call.
Book a 15-minute call with a dedicated dealer, or request your free FX audit.
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).