WORLDWIDE · BUSINESS ACCOUNTS · PAYMENTS · FOREIGN EXCHANGE · GLOBAL TRADE FLOWS FROM $1M+
Do Business Internationally but As Local
Trade in any market, settle like a domestic business. Collect from customers into local accounts in five major markets, convert at a margin agreed before you instruct, and pay suppliers on their own domestic rails, with reach across 180+ countries.
NO CUT OFF, 24/7·PRE AGREED FX MARGIN·NAMED SPECIALIST PER ACCOUNT
ONE PAYMENT, END TO ENDSETTLED
ILLUSTRATIVE · NOT A QUOTE
YOU INSTRUCTGBP 780,000.00From your GBP account in London.
FX AT PRE AGREED MARGINUSD · FEDWIRE
YOUR SUPPLIER RECEIVESUSD 992,760.00In New York, as a domestic Fedwire credit. In full, nothing deducted in transit.
FXPRE AGREED MARGIN
PROOFMT103 OR RAIL REF
ACCEPTANCE24/7 · NO CUT OFF
LOCAL ACCOUNTS IN FIVE MARKETS · USD SWIFT REACHES 180+ COUNTRIES IN 1 TO 3 DAYS, WHICH IS REACH AND NOT AN ACCOUNT
Three capabilities, one account structure.
RECEIVE LOCALLY · CONVERT AT AN AGREED MARGIN · PAY ON LOCAL RAILS01 · BUSINESS ACCOUNTSLocal accounts, global reachPayer facing details in your business name across five major markets, so receipts arrive as domestic credits and reconcile against your references.Explore Business Accounts →
MARKETSGBP · CAD · EUR · USD · AED
DETAILSIN YOUR BUSINESS NAME
RECEIPTSMATCHED BY REFERENCE
02 · PAYMENTSPayouts on local railsSuppliers paid on the destination market's own rails, with an MT103 or rail reference and a named desk owning exceptions.See how payouts work →
ACCEPTANCE24/7 · NO CUT OFF
PROOFMT103 OR RAIL REF
REACHUSD SWIFT · 180+ COUNTRIES
03 · FOREIGN EXCHANGEOne pre agreed marginEvery pair priced with the desk before you instruct, booked with a deal reference that ties the rate to the payout.How FX pricing works →
PRICINGPRE AGREED MARGIN
PAIRS20 ACROSS FIVE MARKETS
RECORDDEAL CONFIRMATION
01 · BUSINESS ACCOUNTS
Local rails and settlement, in one table.
CCYMARKET AND RAILSACCOUNT DETAILSSETTLEMENT
GBP
United KingdomFASTER PAYMENTS · CHAPS
Sort code and account number in your business name.INSTANTEUR
EuropeSEPA · SEPA INSTANT
IBAN in your business name for receipts and payouts.INSTANTAED
United Arab EmiratesUAEFTS · IPP
AED local rails in and out of the Emirates.INSTANTCAD
CanadaEFT · INTERAC · WIRE
Canadian domestic rails for payables and receipts.MINUTESUSD
United StatesACH · FEDWIRE
US routing details, paid like a domestic business.SAME DAYSWIFT
Reach beyond the five marketsUSD SWIFT · 180+ COUNTRIES
Reach, not a Local Business Account.1 TO 3 DAYS02 · PAYMENTS · THE SAME ROUTE, TWICE
Four places a bank wire loses your money.
TRADITIONAL BANK WIRE · FOUR DEDUCTION POINTSUSD 100,000.00 INSTRUCTED · ILLUSTRATIVE
USD 100,000.00 sent
Bank spread, 2 to 4%− 3,000.00
Outbound wire fee− 45.00
Lifted in transit− 20.00 TO 50.00
Receipt fee deducted− 15.00
Short, and lateSHORT PAID
01 INSTRUCTED02 FX APPLIED03 WIRE FEE04 CORRESPONDENT05 BENEFICIARY BANK06 SUPPLIER CREDITED
SUPPLIER RECEIVES96,890.00 TO 96,935.00
LOST IN ROUTE− 3,065.00 TO 3,110.00
ARRIVAL1 TO 5 DAYS, SHORT
A bank wire is priced in four places, and three of them are invisible until your supplier tells you the credit was short. Figures are illustrative. See pricing →
UNICORN CURRENCIES · SETTLEMENTS.FEEDLIVE
CORRIDORRAILREFSTATUS
GBP→EURSEPA INSTANTUC-88214SETTLED
CAD→USDFEDWIREUC-88209SETTLED SAME DAY
EUR→AEDUAEFTS · IPPUC-88197SETTLED
USD→CNYUSD SWIFTUC-88191IN TRANSIT
GBP→CADINTERACUC-88186SETTLED
PROOF AND REFERENCE ON EVERY ROW · ILLUSTRATIVEEXPORT CSV →
MONEY IN MOTION
A named human owns your payment.
Delayed, amended, recalled, or short paid: the desk answers the same business day, with the reference in hand. Finance teams see the same feed the desk sees, with an MT103 or rail reference against every settled row.
03 · FOREIGN EXCHANGE
The margin is agreed before you instruct, and it does not move.
Every pair across your five markets is priced at a pre agreed FX margin, booked with a deal reference your auditor can trace to the payout. No re quoting when the market gets busy.
How FX pricing works →PAIRS ACROSS YOUR FIVE MARKETS20 ORDERED PAIRS
GBPEUR · USD · AED · CAD
EURGBP · USD · AED · CAD
USDGBP · EUR · AED · CAD
AEDGBP · EUR · USD · CAD
CADGBP · EUR · USD · AED
PRICINGPRE AGREED MARGIN
RECORDDEAL CONFIRMATION
RE QUOTINGNONE
WHY $1M+
We only take businesses moving $1M+ a year.
Fewer clients, more attention. Every account gets a named specialist and a desk that answers on the same business day, with the reference in hand.
Why the threshold exists →IMPImporters paying suppliersRecurring supplier payments where proof, references, and corridor handling matter operationally.
EXPExporters receiving fundsCustomer and trade receipts that need clearer payer context and reconciliation support.
FXFinance teams managing FXPayables and receivables where FX exposure should be reviewable before the payment is released.
OPSOperators needing a deskWhen delayed, amended, recalled, or short paid payments need ownership, not only an app status.
A NOTE FROM THE FOUNDER
“Businesses do not leave their bank over features. They leave the day a six figure payment is held, a supplier is not credited, and nobody takes ownership. I built Unicorn Currencies for that day. When your money is in motion, someone here is answerable for it, by name.
WHAT THAT LOOKS LIKE FOR A CLIENT
CLIENT DETAILS WITHHELD ON REQUEST"Our supplier payments used to vanish for days and arrive short. Now Frankfurt sees a domestic credit and our margin is the same number we agreed in October 2022."
Director of FinanceLONDON IMPORTER · CLIENT SINCE 2022
Annual volume movedGBP 18M
Corridors in useGBP · USD · EUR · AED
FX margin since onboardingUNCHANGED
Proof on every settled paymentMT103 OR RAIL REF
FIGURES FROM A LIVE CLIENT ACCOUNT, SHARED WITH PERMISSION. NAME WITHHELD ON REQUEST.
Stop paying international prices for international payments.
Send the desk your corridor, amount, and payment frequency. You get the FX margin, the rail, the settlement window, and the evidence you will receive, in writing, for the committee to review.
FAQ
Businesses with meaningful cross-border flows, typically more than $1 million in annual FX, that want local account details, a pre-agreed FX margin, and payments that arrive like domestic transfers.
Client funds are held separately from Unicorn Currencies Limited's own funds, with regulated banking partners. How we protect client money →