Unicorn Currencies vs Ebury
Different Businesses, Different Needs
Ebury is a Santander-backed powerhouse serving all business sizes with 130+ currencies.
We exclusively serve $1M+ importers/exporters with treasury technology they don't offer.
Both built for business. Unicorn adds container tracking, demurrage alerts, and Bank of Canada supervision.
Honest Comparison: We're Not Direct Competitors
Ebury is excellent at what they do. We do something different. Here's the truth.
Ebury (Santander-Backed)
- 130+ currencies supported
- SME to enterprise coverage
- 38 global offices
- EMI regulated (multiple jurisdictions)
- Trade finance products (letters of credit)
- Hedging and forward contracts
- 8,000+ media mentions/year
- Broad B2B market positioning
Best For:
Businesses needing broad currency coverage, trade finance, or under $1M annual FX
Unicorn Currencies ($1M+ Only)
- 40+ currency pairs (trade-focused)
- $1M+ annual FX volume minimum
- Real-time FX P/L tracking on bills
- FREE container tracking (saves £5k-10k/year)
- Same-Day settlement
- 15-second rate locks
- FINTRAC registered · Bank of Canada RPAA registered
- Purpose-built for importers/exporters
Best For:
Importers/exporters with $1M+ FX who need treasury visibility, not just payments
Feature-by-Feature Comparison
| Feature | Ebury | Unicorn Currencies |
|---|---|---|
| Currency Coverage | 130+ currencies | 40+ pairs (trade-focused) |
| Minimum Volume | No minimum | $1M+ annual FX |
| Real-Time FX P/L on Bills | Not available | Live P/L tracking |
| Container Tracking | Not offered | FREE (saves £5k-10k/year) |
| Demurrage Alerts | Not offered | 48-72h advance warning |
| Settlement Speed | Standard (1-2 days) | Same-Day |
| Rate Lock Window | Varies | 15 seconds guaranteed |
| Trade Finance Products | Letters of credit, trade loans | Not offered |
| Global Offices | 38 offices worldwide | Digital-first (UK/Canada) |
| Target Market | All business sizes | $1M+ importers/exporters only |
| Regulation | EMI (UK, Spain, etc.) | FINTRAC registered · Bank of Canada RPAA registered |
| Free Tools | Limited | IBAN, SWIFT, VAT, Demurrage calc |
What We Have That Ebury Doesn't
Real-Time FX Exposure on Bills
Upload supplier invoices, see live P/L in red/green as rates move. Know exactly what waiting costs you. This is our unique feature—no one else has it.
Treasury visibility, not just payments.
FREE Container Tracking
Track all shipments in one dashboard. Get 48-72h demurrage alerts before penalties hit. Saves £5,000-£10,000 annually. Ebury doesn't offer logistics.
Logistics platforms charge £2k-5k for this.
Same-Day Settlement
Wallet-to-wallet within our network settles in 2.3 seconds average. Pay suppliers instantly. Standard industry is 1-2 days.
Speed when it matters.
Niche Specialist Focus
We only serve $1M+ importers/exporters. Every feature is built for your operations. No compromises for SMEs or retail banking.
If you're not our niche, we'll tell you.
When Ebury Is the Better Choice
We believe in honesty. Here's when you should choose Ebury over us:
Under $1M Annual FX
We have a $1M minimum. If your FX volume is lower, Ebury serves all business sizes. They're a great choice for growing businesses.
Need 130+ Currencies
We focus on 40+ trade-relevant currency pairs. If you need exotic currencies or extensive emerging market coverage, Ebury's 130+ currencies is better.
Trade Finance Products
Ebury offers letters of credit, trade loans, and structured trade finance. We don't. If you need credit products, Ebury is the choice.
Choose Us When
You're an importer/exporter with $1M+ annual FX who needs treasury visibility, not just payments. You want to see live FX exposure on your bills, track containers for free, and settle in seconds—not days.
We're specialists. Ebury is generalists. Both are valid. Choose what fits your operations.
Frequently Asked Questions
How does Unicorn Currencies compare to Ebury?
Ebury is a full-service provider serving all business sizes with 130+ currencies and trade finance products. Unicorn Currencies is a niche specialist exclusively serving $1M+ importers/exporters with real-time FX exposure tracking on supplier bills, FREE container tracking, and 2.3-second settlement. Ebury is a generalist; Unicorn is a specialist for physical goods traders.
When should I choose Ebury over Unicorn Currencies?
Choose Ebury if: you have under $1M annual FX volume, need 130+ exotic currencies, or require trade finance products like letters of credit and trade loans. Ebury serves all business sizes while Unicorn Currencies has a $1M minimum.
When should I choose Unicorn Currencies over Ebury?
Choose Unicorn Currencies if: you are an importer/exporter with $1M+ annual FX shipping physical goods, need real-time FX P/L tracking on supplier bills, want FREE container tracking with demurrage alerts, or need 2.3-second settlement instead of 1-2 day standard settlement.
What features does Unicorn Currencies have that Ebury does not?
Unicorn Currencies offers: (1) Real-time FX exposure tracking showing live P/L on unpaid supplier invoices, (2) FREE container tracking with 48-72h demurrage alerts, (3) same-day settlement, (4) 15-second rate locks for margin calculation. These features are purpose-built for physical goods importers/exporters.
What Only Unicorn Offers
- ✓Bank of Canada–supervised PSP with FINTRAC registration (MSB: C100000159) — not just a fintech licence
- ✓2.3-second settlement within our network — not "same day" or "next day"
- ✓FREE real-time container tracking with demurrage alerts — no other FX provider includes logistics visibility
- ✓Real-time FX P&L on every supplier bill — treasury-grade exposure tracking, not just a rate feed
- ✓Built exclusively for $1M+ annual FX — we don't dilute our platform for retail or small business
Verify our regulatory status: How We're Regulated.
See Unicorn in Action
Ready for Treasury Visibility?
For importers/exporters with $1M+ annual FX. Local account with a local US bank account, same-day settlement.
FINTRAC registered · Bank of Canada RPAA registered.
Minimum: $1M annual FX volume • 3-week deployment • No long-term contracts