Get rewarded for your foreign currency transfers.

Manage your foreign exchange online, earn rewards on international payments and explore funding options for your business, with personal support from an experienced team.

Professional woman working on a laptop in a bright modern office

FX & International Payments

Global reach, without the global complexity.

We support 50+ currencies to 150+ destinations worldwide — giving your business the global reach it needs without the complexity or cost of traditional banking.

🏦Multi-currency account included — receive and hold 30+ currencies in one place
Learn more

Fast Payment Speeds

Same-day and next-day transfers available. Your money moves when you need it to.

Highly Competitive Rates

Access institutional-level exchange rates designed to offer more competitive pricing than many traditional banks.

Online Self-Service Platform

Book, manage and track all your international payments from one intuitive dashboard.

Dedicated Account Manager

A real person who knows your business — available whenever you need expert support.

50+

Currencies supported

150+

Destinations worldwide

Same day

Payment speeds available

1:1

Dedicated account manager

£
ANNUAL REWARDS

£0

Use your rewards with

Adidas
Airbnb
Amazon
Nike
Hotels.com
Currys
Deliveroo
Just Eat
Tesco
Sainsbury's
Adidas
Airbnb
Amazon
Nike
Hotels.com
Currys
Deliveroo
Just Eat
Tesco
Sainsbury's
M&S
Waitrose
Selfridges
Spa Breaks
IKEA
Airline Gift
Eurostar
Hotels.com 2
Royal Caribbean
Tastecard
M&S
Waitrose
Selfridges
Spa Breaks
IKEA
Airline Gift
Eurostar
Hotels.com 2
Royal Caribbean
Tastecard

Rewards

Your FX spend. Rewarded.

Every time you convert currency with Reciprocal, you earn rewards, redeemable via our reward dashboard on 150+ major UK brands. From flights to food, trains to theatres, cruises to clothing, we have something for everyone.

150+

Major brands

100%

Of conversions earn rewards

£10k+

Paid out to our clients so far

Lending

Capital when you need it most.

Behind every cash flow problem is a funding solution your bank probably hasn't shown you. Reciprocal unlocks the whole market, with access to 150+ specialist lenders. Business loans, invoice finance, supplier payment finance, asset finance and more. With Reciprocal, your business always has options on the table.

Business Loans
Invoice Finance
Supplier Payment Finance
Asset Finance
Lending powered bySpark Finance
Check your eligibility
Funding Match3 options found

Business Loan

7 offers available

£150,000

Invoice Finance

12 offers available

£85,000

Asset Finance

5 offers available

£200,000

48h

Avg. approval

150+

Lender panel

Safety & Security

Our security promise.

We use bank-grade encryption and industry-leading security measures to protect your funds, personal data, and account. From account setup to ongoing transfers, verification procedures and payment protection. Your dedicated point of contact is also on hand to answer questions and guide you through the payment process, so you have personal support alongside the technology.

Security Status
All Systems Protected

Funds

Segregated Client Accounts

FCA Regulated Services
Tier 1 Institutions
Client Money Rules
Protection Level100%

Funds

All client funds are held in fully segregated accounts with tier 1 credit institutions. Your money is never mixed with our own, and is protected at all times in line with FCA regulations.

Data

We take data privacy seriously. Your personal and financial information is encrypted at rest and in transit, and is handled securely and in accordance with privacy laws.

Account

Our payment platforms are built on bank-grade infrastructure with multi-factor authentication, continuous monitoring, and rigorous third-party security audits to keep your account safe.

Good for your business. Good for the planet.

We plant a tree for every single currency conversion we process. Each tree helps restore natural habitats for wildlife and creates meaningful employment in economically deprived communities around the world.

Environmental impactEnvironmental impactEnvironmental impactEnvironmental impactEnvironmental impactEnvironmental impactEnvironmental impactEnvironmental impactEnvironmental impactEnvironmental impactEnvironmental impactEnvironmental impactEnvironmental impact

Reversing deforestation worldwide

Restoring habitats to allow wildlife to flourish

Creating jobs and upskilling people in economically deprived regions

Testimonials & Awards

Don't just take our word for it.

"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

Events company hosting internationally

"In a competitive market place Reciprocal are able to provide great rates and are now my sole FX dealer. The reward programme and tree planting is an added bonus. My account manager is always available and the platform is easy to use putting me in control of when to make transfers dependent on the market and my requirements."

Sam L

Antique & luxury jewellery specialist

"Excellent company for foreign currency payments. We've had a really positive experience with Reciprocal. The voucher rewards scheme works well and has been genuinely appreciated, and the tree-planting initiative is a great touch that aligns nicely with our values. Always responsive, proactive, and genuinely helpful — a well-run platform with a solid product and great people behind it."

Matt S

Vehicle parts importer

"We have been using the services for almost a year and we are very happy with the service. Tom which i have been dealing with is always helpful and available if any queries. every week updates on the exchange fluctuation to and market updates . To top it up the quarterly rewards are handy"

Dhurata L

Gaming company

"Now my only FX dealer! Great rates and services. The platform is easy to use and you also benefit from a nice reward programme (lots of partnership to enjoy) and the tree planting is an added bonus."

Raph

International publisher

"Smooth setup and always easy to make payments. Highly Recommended. Great scheme included with funds the plantation of tree with each payment and a rewards scheme."

Adeem

Luxury imported bathrooms

"Thank you Sam for your professional and expert service. You made the world of currency exchange very approachable and safe. From our initial conversation, I did not hesitate to using Reciprocal and felt reassured with Sam's expert guidance. We have now completed the trade and it all went extremely smoothly. Reciprocal plants a tree for every trade and offers a thank you voucher too - more significant perks! I cannot praise Sam's expertise enough and will not hesitate to use his services again or recommend him to anyone around me."

Anne Pestiaux

Private client - Relocating abroad

"Sam did a very good job, always kept us up to date with our situation, I would not hesitate to use Sam's services again. Thank you."

Ezio Dusi

Private client - Overseas property sale

"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

Private client - Overseas property sale

"I have been dealing with Tom for over 4 years now, originally when he worked for AMEX. I have always received a very professional and efficient service. We mainly use the platform for USD purchases for goods in the far east, platform is user friendly and all payments go through within hours usually. Voucher scheme was a great surprise, I have just used 2 recently. Great work Reciprocal and especially Tom."

Alan Mitchell

UK manufacturer

Our Awards

SME Business Elite Awards 2026UK Enterprise Awards 2025
Business Awards UK 2024

Partners & Introducers

Do you work with clients that need finance or FX?

Partner with us to give your clients access to funding from 250+ specialist lenders and a full-service suite of foreign exchange solutions. Earn a lifetime revenue share on every client who uses our services.

Accountants Wealth Advisors Buying Groups Private Equity Family Offices Equestrian Fractional FD Business Brokers Commercial Lawyers Logistics Companies Trade Associations Business Consultants Accountants Wealth Advisors Buying Groups Private Equity Family Offices Equestrian Fractional FD Business Brokers Commercial Lawyers Logistics Companies Trade Associations Business Consultants

Weekly insights

Latest articles

Waiting for a better exchange rate: when does patience become a gamble?
Sep 22, 2026

Waiting for a better exchange rate: when does patience become a gamble?

Holding out for a better exchange rate can feel sensible, but when the market moves against you, patience can quickly turn into a costly gamble.

Read more
Fewer bottles, bigger tanks: what UK wine import data reveals about currency risk
Sep 15, 2026

Fewer bottles, bigger tanks: what UK wine import data reveals about currency risk

UK wine is consolidating into fewer, larger consignments, and every step in that direction concentrates currency risk into a smaller number of bigger payments.

Read more
Secure international payments, with a personal touch
Sep 8, 2026

Secure international payments, with a personal touch

A clear exchange rate, an agreed timescale and someone you can speak to throughout. How regulated payment services and personal support work together.

Read more
Reciprocal

We're a multi-award-winning financial services brokerage providing FX international payment solutions for businesses, charities, and individuals. Our clients earn cashback on every currency exchange through our unique reward scheme. We also offer a range of working capital solutions to help businesses access the funding they need to grow.

info@reciprocal.cc

+44 (0) 20 3026 2414

Reciprocal Payments Limited. Company registered in England and Wales No. 15217588. 124 City Road, London, EC1V 2NX

Payment services are FCA-Regulated and provided by Equals Money PLC, registered in England and Wales (no. 05539698). Registered Office: Vintners' Place, 68 Upper Thames St, London, EC4V 3BJ. Equals Money PLC is authorised by the Financial Conduct Authority to provide payment services (FRN: 488396).

Foreign Exchange and Payment Services for customers introduced by Reciprocal to Sciopay Ltd are provided solely by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales with Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB) with Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution with Firm Reference Number: 927951

Reciprocal is registered with the Information Commissioner's Office (ICO) for data protection purposes. Registration No. ZB693633

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