One account. Three currencies. Five things it does.
Somewhere to hold the money, pay people, convert at a rate you can see, give your team cards, and make sure no one person can move everything.
- PoundsAccount in your company’s nameGBP
- EurosHold, receive and payEUR
- US dollarsHold, receive and payUSD
You were declined, and you still have money to put somewhere.
A real account, in your company’s name
Your own sort code and account number, plus euro and dollar balances alongside them. Available, pending and reserved shown separately, each with the time it was last confirmed.
- Sort code and account number
- GBP, EUR and USD in one place
- Statements you can hand an accountant
- Available
- What you can spend or send right now.
- Pending
- On its way in or out, not settled yet.
- Reserved
- Held for a card payment that hasn’t finished.
Suppliers and contractors need paying this week, not when a review finishes.
Send and receive, at home and abroad
Faster Payments and CHAPS in and out, international payments to supported routes, and bulk runs for a payroll or a contractor list. Every payment carries one of eleven states in plain words.
- Faster Payments and CHAPS
- Bulk runs from a single upload
- Confirmation of Payee before it leaves
Every state a payment can be in
Eleven, in plain words, plus one of our own. That last one matters most: if we can’t confirm a payment yet, we say so — we never call it failed and invite you to send it twice.
- CreatedSaved, not sent yet
- Awaiting approvalWaiting for a second person
- QueuedApproved, about to go
- SubmittedSent to the payment scheme
- PendingOn its way
- CompletedArrived. Final
- FailedDidn’t go. Money hasn’t left
- RejectedRefused before sending
- ReturnedSent back by the receiver
- CancelledStopped before sending
- RefundedReversed after arriving
- ConfirmingChecking. Don’t send it again
The rate you were given is not the rate you saw quoted anywhere.
Our margin, as a number on the screen
Every quote shows the mid-market rate, our margin and the fee as three separate lines before you accept. The countdown runs on our clock, and an expired quote cannot be accepted — it has to be refreshed.
- Margin shown as a line, not a footnote
- Server-clock expiry on every quote
- The rate you accept is the rate you get
Your team is still putting company spend on a personal card.
A card per person, with a limit that holds
Issue a virtual card for anyone who needs one, set what they can spend and how often, and freeze it in a tap. Card numbers are shown through the processor’s own component and never touch our systems.
- Spend and velocity limits per card
- Freeze, unfreeze, terminate
- Card details never enter our systems
Virtual cards work wherever a card number is taken — online, in apps and over the phone. Most business spend happens there anyway.
One person can move everything, and nobody wanted it that way.
Two people on anything that matters
Give each person the access their job needs. Payments over a limit you set wait for a second approver, and the approval screen shows the exact payee, account and amount the server holds — if any of it changes, the approval is void.
- Roles and permissions per person
- Second approver above your limit
- Any change voids the approval
Who can do what
Four roles: see balances, prepare payments, approve payments, and manage the team and cards. Give each person the one their job needs. Nobody approves a payment they prepared.
| Role | SeeSee balances | PreparePrepare payments | ApproveApprove payments | ManageManage team and cards |
|---|---|---|---|---|
| Viewer | ||||
| Preparer | ||||
| Approver | ||||
| Admin |
See if your company fits
The account is the easy part to describe. Whether we’d accept you is on the criteria page, in full.