Manage your foreign exchange online, earn rewards on international payments and explore funding options for your business, with personal support from an experienced team.
FX & International Payments
We support 50+ currencies to 150+ destinations worldwide, giving your business the global reach it needs without the complexity or cost of traditional banking.
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Same-day and next-day transfers available. Your money moves when you need it to.
Access institutional-level exchange rates designed to offer more competitive pricing than many traditional banks.
Book, manage and track all your international payments from one intuitive dashboard.
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
£0
Use your rewards with
Rewards
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+150+
Major brands
£20,000+£20k+
Paid out to our clients so far
Lending
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.
Safety & Security
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.
Funds
Segregated Client Accounts
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.
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.
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.
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.
Reversing deforestation worldwide
Restoring habitats to allow wildlife to flourish
Creating jobs and upskilling people in economically deprived regions
Testimonials & Awards
"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
Partners & Introducers
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.
Weekly insights
The Chancellor will deliver the Autumn Budget on 28 October 2026. For sterling, the central question will be whether the government can strengthen the public finances without undermining growth.
Read more
A market order lets your business set an exchange-rate instruction in advance, so your provider can act without waiting for you to approve the transaction.
Read more
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.
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