Business, personal or charity named multi-currency accounts.
Bank-beating exchange rates
Transfer over 50 currencies to over 150 countries worldwide.
Award-winning reward scheme
Earn loyalty points when you exchange currency. Treat yourself to flights, hotels, cruises and much more.
Here's the problem
High street banks offer poor exchange rates
Banks are often the most expensive option for currency exchange.
Banks typically provide poor rates, high fees and slow payment speeds.
Despite this, many people continue using banks out of habit, lack of research or misplaced trust.
Online neobanks lack customer service
New online app-based neobanks offer competitive rates.
They provide sleek, online platforms and apps.
However, they fall short on customer service, relying heavily on robot chatbots or generic customer service emails for support.
You need Reciprocal
A user-friendly online platform to manage all your payments.
Low-cost and secure transactions with bank-level fund protection.
One-on-one human guidance for international transfers, no generic support teams, no chatbots.
Who are we?
Reciprocal is an award-winning UK-based international payment provider offering highly rewarding FX solutions to businesses, charities, and private clients.
Unlike other FX providers, we reward our clients with exclusive loyalty points that are redeemable against over 150 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.
Our secret sauce
At Reciprocal we prioritise client loyalty, which is why we offer our exclusive, award-winning reward scheme.
With every currency exchange clients earn loyalty points that can be redeemed with over 150 top-named brands; covering everything from flights, hotels and cruises to shopping, events, dining, and more.
Ask yourself one question, if you're already making FX payments, why not get rewarded for them?
Open a free personal account to send and receive money all over the world. We can typically get your account active within a few days.
Email personal@reciprocal.cc to get started.
Buying
Selling
property abroad?
Faster global payments
Unlike the banks who can take up to five days, our payments are exchanged and sent within hours.
Bank-beating exchange rates
Helping you save money when it counts.
Personal account management
Forget speaking with a stranger every time or relying on a robot chatbot, with Reciprocal you get one point of contact from start to finish.
Fast onboarding
Subject to all checks being passed, we can typically open accounts within a few days.
Testimonials
Rated 5 out of 5 stars
Sam did a very good job, always kept us up to date with our situation, I would not hesitate to use Sam services again.
Ezio Dusi
Rated 5 out of 5 stars
Couldn't fault it. We had an apartment to sell in Spain and Sam helped make everything go through smoothly. We had the money back in our UK account the following day, really chuffed with everything.
Gary Lakin
Business account solutions
Pay overseas invoices
Our fast global payments mean we can settle your overseas invoices reliably on time.
Repatriate foreign revenue
Competitive exchange rates to maximise your profits when returning currency back home.
Expand into new markets
Manage your balances on over 30 currencies from a single multi-currency account.
Protect your profits with forward contracts
By locking in exchange rates, you can protect your profits from harsh swings in the currency market.
Testimonials
Rated 5 out of 5 stars
Very happy with the experience. I had an overseas contract in France and needed to bring the profits back to pounds. Sam really made the whole thing stress free. I even got enough reward points from the exchange to book an Airbnb for a long weekend away with the Mrs. More than happy to use them again.
Ben Warwick
Rated 5 out of 5 stars
Sam and his team went above & beyond when I needed offline support for a business transaction currency exchange. They not only reacted super fast but also followed up to ensure I was equip with the correct knowledge process for next time. Thanks for making it easy & putting my mind at rest!
Lucy Williams
Our core services
Multi-currency account
From expanding into new territories, repatriating foreign revenue to getting paid a foreign salary, collect money globally with a multi-currency IBAN in your business, personal or charity name.
Manage your balances in one place.
Do business globally; receive over 30 currencies.
Banks often charge for foreign currency accounts, we're free.
Risk management
The currency market is unpredictable, but your budgeting doesn't need to be. We help to limit your risk to currency fluctuations.
Market orders.
Currency market analysis.
Lock in today's exchange rate for up to two years.
Online platform
Our platform is designed to be simple, clear, and easy to use. Bells and whistles are overrated, we just do what we say on the tin.
See recent transaction history.
Add and save your recipient’s bank details.
Exchange and send over 50 currencies globally.
Partnerships
That eureka moment when you discover you can refer and earn. If your clients need to make international payments, don’t leave them to figure it out alone. Partnering with Reciprocal gives your clients access to better rates and service, while you get rewarded for the warm introduction.
Save your clients time and money.
Improve your reputation and offering to your clients.
Earn commission on every trade made by the clients you refer.
International payments
We’re specialists in transferring funds globally. With most payments being exchanged and sent within hours, our payments arrive to your recipient reliably on time.
Batch-pay numerous beneficiaries all at once.
Email confirmation once your payment is sent.
Book payments over the phone, email, or platform.
Our sustainability commitments
We plant a tree for every currency exchange you make. Join us in making a global impact.
Reforested areas provide safe havens and habitats for animal populations helping increase and preserve biodiversity.
Reforestation projects in poverty-stricken areas create opportunities for economic self-sufficiency, education and improved health.
Healthy forests help minimise the effects of climate change by reducing events such as extreme weather, flooding, desertification and deforestation.
About Us
We help businesses, individuals and charities transfer 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
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)
Payment services for Reciprocal Payments Limited are provided by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales. Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB). License No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution. Firm Reference Number: 927951
