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Free Tools

Our free calculators.

Use our free tools to understand the real cost of your currency exposure, and see how much Reciprocal could save you.

For Importers

FX Margin Impact Calculator

Do you know the true landed cost of your imported goods? Exchange rate movements between order and payment can silently erode your margins. This tool shows how currency volatility has historically impacted your real cost, and what you could have saved by hedging.

Open Calculator
For Property Buyers

Property FX Risk Calculator

Buying or selling property abroad? This calculator shows how currency fluctuations could impact the final cost of your transaction and helps you understand the risk of leaving your exchange unhedged.

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The Reciprocal difference

Why Reciprocal?

Exchange rates
Reciprocal
Highly competitive and bespoke per client
High street bank
Often uncompetitive and on a fixed markup, typically between 2.5% - 5%
Transfer fees
Reciprocal
£0 transfer fees on FX payments
High street bank
Up to £25 per transfer
Speed of transfer
Reciprocal
Typically same day or next working day
High street bank
Up to 5 working days is common
Dedicated account manager
Reciprocal
Named contact with a direct line
High street bank
Call centre or branch
Forward contracts
Reciprocal
Clients can lock in today's rate for up to 24 months
High street bank
Not available to all clients. Large FX volume required 
Multi-currency accounts
Reciprocal
Free, receive and hold 30+ currencies
High street bank
Monthly account fees per extra currency account
Business lending
Reciprocal
Panel of 250+ specialist lenders
High street bank
Limited to only what products the bank can offer
Reward scheme
Reciprocal
Cashback, redeemable on 150+ major brands
High street bank
None
Sustainability efforts
Reciprocal
We plant a tree for every conversion
High street bank
Most banks are now making good progress on ESG targets

Want to learn more about our company?

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@reciprocalpayments.com

+44 (0) 20 3026 2414

Solutions

Company

Resources

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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