BUSINESS PLUS MEMBERSHIP · USD 300 PER MONTH
The bridge between a first account and a treasury desk.
For approved businesses whose volume has outgrown Business but does not yet justify Treasury. The core FX margin halves to 0.25%, the desk moves you into a priority queue, and every account capability stays exactly the same.
MONTHLYUSD 300
ANNUALUSD 3,000 · TWO MONTHS INCLUDED
CORE FX MARGIN0.25%
AED FX MARGIN0.25%
TREASURY SUPPORTSHARED DESK · PRIORITY QUEUE
SUGGESTED FOR USD 800,000 TO 1.33M A YEAR. THE BAND IS GUIDANCE, NOT A RESTRICTION.
What Business Plus adds.
EVERYTHING IN BUSINESS, WITH HALF THE CORE MARGINThe five accountsGBP, EUR, USD, AED and CAD capabilities, issued in your business name where approved.INCLUDED
Local railsFaster Payments, CHAPS, SEPA, SEPA Instant, ACH, Fedwire, UAEFTS, IPP, EFT and wire.INCLUDED
USD SWIFT reachPayment reach to 180+ countries, settling 1 to 3 days. Reach, not a sixth account.INCLUDED
Pre agreed FX margin0.25% on core pairs, half the Business rate, booked with a deal reference.0.25%
Priority queueTraces, amendments and recalls are picked up ahead of the standard queue.INCLUDED
Payment evidenceMT103 or rail reference on every settled payment, on request without a ticket queue.INCLUDED
Named specialistA single person who owns your exceptions end to end. Available on Treasury.NOT INCLUDED
WHO CHOOSES BUSINESS PLUS
SCALINGA business past its first million in flowThe FX line has become the largest number on the invoice. Halving the margin pays for the step up several times over.
MULTI CORRIDORPaying suppliers in three or more currenciesMore pairs converted means the margin matters more than the membership fee.
NOT YET NAMEDExceptions are rare enough to share a deskPriority handling without paying for a named specialist you would call twice a year.
Business Plus at your volume.
SUGGESTED BAND · USD 800K TO 1.33M A YEARANNUAL VOLUMEUSD 1,000,000
USD 100KUSD 100M
BUSINESS PLUS MEMBERSHIPLOWEST MODELLED COST
USD 6,300Membership, annualUSD 3,000
FX charge at 0.25%USD 2,500
Incoming movementsUSD 250
Local rail payoutsUSD 375
USD SWIFT payoutsUSD 175
COMPARED WITH
BUSINESSCORE FX 0.50%
USD 6,800TREASURYCORE FX 0.10%
USD 6,800Business Plus Membership produces the lowest modelled cost at this volume. This is the one we would recommend.
Choose Business PlusFEE SCHEDULE
Membership, monthlyUSD 300Billed monthly in your funding currency.
Membership, annualUSD 3,000Ten months paid in advance. Two months included.
Core FX marginFROM 0.25%GBP, EUR, USD and CAD. Pre agreed and applied at conversion.
AED FX marginFROM 0.25%Reflects the AED rail and its documentation requirements.
GBP movementsGREATER OF GBP 5 OR 0.05%Per movement, incoming or outgoing, on Faster Payments and CHAPS.
EUR movementsGREATER OF EUR 5 OR 0.05%Per movement on SEPA and SEPA Instant.
USD movementsGREATER OF USD 35 OR 0.05%Per movement on ACH and Fedwire.
AED movementsGREATER OF AED 20 OR 0.08%Per movement on UAEFTS and IPP.
USD SWIFT movementsGREATER OF USD 35 OR 0.05%Reach to 180+ countries, settling 1 to 3 days.
CAD paymentsAT COSTPassed through with no uplift until the provider schedule is confirmed.
Recalls, investigations and returnsAT COSTTold to you before they are incurred, with no uplift added.
SWITCHING AND RENEWAL
UPGRADEApplies from the next billing period. Unused months on an annual term are credited against the new invoice.
DOWNGRADEApplies at the end of the current paid period. Annual membership is not refunded early.
REVIEW TRIGGERA material change in volume, corridors, pairs or risk profile, and at each renewal.
WHO DECIDESMembership choice is yours. Account capability and transaction approval remain ours.
BUSINESS PLUS QUESTIONS
At roughly USD 800,000 a year on annual billing, or USD 960,000 on monthly billing. Below that Business models cheaper, above it Business Plus does.
Halve the margin before you need a named desk.
Membership choice is yours. Account capabilities, currency pairs and transaction pricing remain subject to approval.