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INTERNATIONAL PAYMENTS
MADE REWARDING

We assist businesses and individuals in transferring their funds globally, offering a truly unique, reward-centric solution with a dual commitment. Making your international payments better for you and better for our planet.

The Reciprocal Difference

Earn loyalty points

We provide loyalty points when you exchange currency with us. A unique benefit you won't find anywhere else on the market.

One payment plants one tree

Through our partners at More Trees, we plant a tree for each currency exchange you make. We're dedicated to making your payments better for the planet.

Spend loyalty points

Spend your loyalty points on over 100 top named brands. Whether you use your points for a new outfit or your next holiday, our diverse range of brands has something for everyone.

Offset your carbon footprint

By making payments through Reciprocal you're automatically offsetting your carbon footprint. Each month we send you verified certificates detailing how many trees you've planted, where they are, the international project you've supported, and the estimated future CO2 removal.

Multi-currency account

Receive payments globally with your own multi-currency account. A safe and secure way for you to collect and hold currency.

FCA regulated services

Proudly partnered with Equals Connect limited to power our payment infrastructure through their FCA regulated service.

Send secure and fast payments in over 50 currencies

With most payments being same day or next business day. Our payments arrive reliably on time. We provide an easy to use platform so you can book payments anywhere, anytime.

Risk management, even on exotics

We help to protect your profit margins from erroding away due to unfortunate exchange rate changes. Whereas most banks only provide GBP, USD or EUR forward contracts, we provide forward contracts on a huge variety of currencies, even exotics.

An award-winning business you can trust

Recognising loyalty

Our core ethos revolves around the principle that business should be a two-way street, and we are dedicated to ensuring that our clients are constantly rewarded for their association with us.
When you think of Reciprocal, envision a provider that not only streamlines your foreign currency transactions, but also places a premium on valuing and acknowledging client loyalty.
man at desk with reciprocal laptop
two men discussing investment graph

One direction, together

To ensure we are on the same page, we focus thoroughly on understanding the intricacies of your business and its foreign exchange risk. A synchronised approach to managing your foreign currency exposure.
Working together, we will structure a framework that mitigates risk effectively, whilst simultaneously reciprocating your loyalty with our reward scheme.
See our Solutions

Feel good spending

We strongly believe in making a positive impact on the environment with every transaction. That’s why each time our clients exchange currency, we are committed to planting a tree to help sequester carbon in the atmosphere and reverse the effects of habitat destruction from deforestation.
We want you to be more attractive to your customers. Studies have shown that 81% of consumers are increasingly favouring brands with a commitment to environmental sustainability. We provide you with an easy solution to offset your businesses carbon footprint, simply by making payments through Reciprocal.
planting a tree
transfer graphic

Who are we?

Reciprocal is an award-winning UK-based international payment provider offering highly rewarding FX solutions to businesses and private clients. Unlike other FX providers, we reward our clients with exclusive loyalty points that are redeemable against over 100 different brands. Reciprocity is the core ethos behind everything we do and our focus is on forging long-lasting relationships that both parties benefit from.

All your currency needs covered

Fast and secure international payments
FCA regulated services
Client funds are securely safeguarded with a tier 1 bank
Two-factor authentication for your account security
Over 50+ currencies to pay in
One multi-currency account in 34 different currencies

What's in it for you

An exclusive reward program
Your FX payments benefit you
Save money, spend points instead
Plant a tree with each currency exchange
Improve your brands environmental image
Attract customers through your sustainability efforts

Reward scheme

You heard it here first, introducing the FX market's most versatile loyalty program. From clothes to cruises, flights to food, trains to theatres, we’ve got you covered.
rewards image

Where can I use my points?

New Wardrobe

Adidas, ASOS, Boohoo, H&M UK, Mango, Nike, Not on the high street, Selfridges, TK Maxx, and many more.

Next Holiday

Airbnb UK, Disneyland Paris by Inspire, Eurostar, Global hotel card, Hotels.com, Inspire Travelcard, National Express, Royal Caribbean by Inspire, Uber Rides, and many more.

Wine & Dine

HelloFresh, Just Eat, Laithwaite's wine, Naked Wines, Prezzo, Uber Eats, Wagamama, Deliveroo, Côte Brasserie, and many more

Feed the family

Aldi, Farmfoods, Iceland, Morisons, Asda, Sainsbury's, Tesco, M&S,
Waitrose

Something fun

Buyagift, London Theatre District, National Trust, Odeon, Spotify, Lavish Spa Vouchers, Ticketmaster UK, Virgin Experience Days, Cineworld UK, and many more.

Redecorating

B&Q, Harvey Nichols, Ikea UK, John Lewis, Screwfix, The white company, Wayfair UK, Amazon, and many more.

Terms and conditions

Reciprocal offers a loyalty points program, granting one point for every £20 (or equivalent) converted in settled transactions. Please note that loyalty points are not applicable to outstanding amounts awaiting exchange, such as those in forward contracts. Reciprocal retains the right to retract loyalty points if there is evidence of operational malpractice by a business or private client, including but not limited to money laundering, hacking, phishing, fraud, or any illegal activities. It's important to emphasise that the loyalty points awarded by Reciprocal are non-transferable and cannot be redeemed for cash or the equivalent value in any currency. Points are distributed to clients at the conclusion of each quarter, and under no circumstances will clients receive points before their scheduled allocation.
We assist businesses in transferring funds globally, offering a truly unique, reward-centric solution with a dual commitment. Making your international payments better for you and better for our planet.

Reciprocal Payments Limited. Company registered in England and Wales No. 15217588
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UK +44 (0)20 3026 2414
124 City Road, London, EC1V 2NX
Payment services are provided by Equals Connect Limited, registered in England and Wales (registered no. 07131446). Registered Office: Vintners’ Place, 68 Upper Thames St, London, EC4V 3BJ. Equals Connect Limited are authorised by the Financial Conduct Authority to provide payment services (FRN: 671508)
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