International Payments
International Payments For Businesses
BLK.FX makes same-day international payments for UK businesses across 35+ currencies, sending money to overseas suppliers, staff and contractors via Faster Payments, SEPA, SWIFT and ACH. Payments are routed through the right rail for speed and cost, at an average margin of 0.5 to 0.7%, with a named account manager rather than a call centre.
Moving money across a border should be simple. In practice, a single overseas payment can sit in limbo for days, pick up fees you were never told about, and arrive short of what you sent. For a business paying suppliers on terms, running international payroll or settling with contractors in three countries, that is not a minor inconvenience. It is a cash flow and a relationship problem.
BLK.FX takes the friction out of it. We move money in 35+ currencies, choose the payment route that gets it there fastest and cheapest, and tell you the cost and arrival time before it leaves. No guessing, no hidden margin in the rate, and a named person to chase it if a deadline is tight.
The Cost Isn't Always Where You Expect It
Banks handle international payments the way they handle most things: slowly, and with the cost hidden in the rate. A payment can take three to five working days to arrive, the exchange rate carries a 2 to 4% margin you never see itemised, and correspondent banks along the way can each take a cut before the money lands. The recipient gets less than you sent, and nobody warned either of you.
For a one-off payment, that might be tolerable. For a business making them every week, it is a steady leak, in both money and time. The fix is not a different bank. It is a provider built for cross-border payments, that shows you the cost and picks the fastest route as a matter of course.
The Payment Rails, Explained
Not every payment should travel the same way. The right route depends on the currency, the destination and how fast it needs to arrive. These are the main ones. Part of the value is simply knowing which to use. We route each payment the way that gets it there for the least cost and delay, so you never have to think about it.
Faster Payments
The UK’s near-instant system, in sterling. Used for domestic payments and sterling settlements, usually arriving within seconds to a couple of hours.
SEPA
Euro payments across the SEPA zone, low cost and usually same or next working day. SEPA Instant settles in seconds where both banks support it.
SWIFT
The global network, reaching almost anywhere in most currencies. It has the broadest coverage, but can take one to five working days and may carry correspondent bank fees on certain routes.
ACH
US domestic payments in dollars, low cost, typically arriving within a couple of working days.
Local rails
Where possible, we send via a country’s own clearing system rather than SWIFT, which is often faster and avoids intermediary fees.
Made For Cross-Border Business
Who We Work With
- Businesses paying overseas suppliers and manufacturers
- Companies running international payroll or paying remote contractors
- Import and export firms settling with partners abroad
- Ecommerce and marketplace brands paying platforms and suppliers overseas
- Any UK business making regular or one-off cross-border payments
If your money regularly crosses a border, we make sure it arrives quickly, in full, and at a cost you can see.
What You Get
- Same-day payments in most of 35+ currencies, so money reaches suppliers, staff and contractors on time.
- A transparent cost. An average margin of 0.5 to 0.7%, not a bank’s hidden 2 to 4% plus unexplained fees.
- The right route every time. Payments sent via local rails where possible to cut cost and delay.
- Cost and timing up front. You know what a payment will cost and when it will land before it leaves.
- A named account manager who will chase a payment when a deadline is tight, rather than a ticket number.
Tell Us Who You're Paying
Currency, country, amount and timing.
We Choose The Route
We select the appropriate payment rail and tell you the cost and expected arrival.
Funds Arrive
You know what’s happening and have a named person if anything needs attention.
What Makes Us Different
Payments In 35+ Currencies
Send money to suppliers, staff and contractors around the world.
Same-day Payments
Available in most currencies, helping funds arrive when they need to.
Local Payment Rails
We use the right route where available to reduce delays and unnecessary intermediary fees.
Cost & Timing Upfront
Know what your payment will cost and when it should arrive before you send it.
A Named Account Manager
One consistent point of contact if you need help with a payment.
The Right Infrastructure For Every Payment
We’re not tied to one platform or provider. BLK.FX draws on a network of payment and FX partners to find the right route for each payment.
Instead, we operate as your currency and payments concierge, drawing on a trusted network of:
- Tier 1 FinTech platforms
- Electronic Money Institutions (EMIs)
- Liquidity providers and FX brokers
- Global payment gateways and acquirers
This means:
- Fast, secure settlements
- Regulatory confidence
- Freedom to scale
- Tailored infrastructure based on your needs
Here is what our clients say about us
Saves fees
Ben is really good at getting on top of problems and saved me a lot of unnecessary fees in my first payments overseas to the us.
Ben is fantastic and very personable
Ben is fantastic and very personable. His weekly updates via email keep me informed and up-to-date
Great new FX/banking offering
BLK has been of a very valuable banking / FX partner to our company, which is in an upstart phase. The customer service in particular has been superb, and I have found our interactions with the BLK team to be very professional. The platform is very intuitive to us and one we make use of daily. Would highly recommend.
BLK.FX always go above and beyond
BLK.FX always go above and beyond. Their print service and attention to detail is second to none.
Made my international transactions so easy!
I use the currency accounts provided by BLK.FX for all my international revenue and payments. It’s an absolute pleasure to work with Ben and the team, I would certainly recommend the service to anyone working with multiple currencies. Consistently had a wonderful experience better and cheaper than any high street bank or financial institution.
Blk offers exceptional service
Blk offers exceptional service and bests all other FX rates I have access too. Great service and support.
Highly recommended, have worked with since 2017
Have dealt with Ben for a number of years – good guy and provides a great service. Recommended.
Great platform
Been using BLK.FX for all my international payments for a while now. Excellent user interface, easy reporting, support and timely payments. All I need to support my fx smoothly.
A disruptor to the normal banking world
a breath of fresh air to the banking world, a disruptor of the best kind. Love the service, speed, efficiency and rates
Fantastic service even better rates
Fantastic service, really responsive in an ever changing world of currency. It is so important that we are able to obtain the best rate’s possible and we are doing that consistently with every trade.
Game changer for me
Game changer for me, absolutely love the set up and the service – speed is just stunning and top drawer….. i dont bother with private banking anymore
Amazing service from BLK.FX
I received amazing service from BLK.FX. My exchange rates where far better than my bank and my payment was received in Spain within 15 minutes. Highly recommend!
Extremely clear and professional…
Extremely clear and professional advice. Very efficient if i needed anything done. Great costumer service and all in all just a pleasant and easy time.
