About Us
Smarter, more personal international finance.
Founded in 2021, BLK.FX was created to challenge the poor service and hidden fees of traditional banking – and to bring high-end financial support back into international money management.
Today, we combine the best of modern FinTech with private-banking-level service, helping businesses and individuals navigate foreign exchange, multi-currency banking, and international payments with clarity, confidence and control.
Who We Help
For Businesses
Whether you’re scaling internationally or managing costs across borders, we help you simplify global finance and reduce unnecessary friction.
We work with:
- CFOs, FDs, Treasury Managers, and finance leads
- PE-backed companies, import/export firms, and ecommerce brands
- Businesses with 1–500 employees and multi-jurisdiction operations
You’ll benefit from:
- Transparent pricing
- Strategic FX planning and risk management
- Dedicated human support – not just tech
For Individuals & Private Clients
From property purchases to global income and lifestyle costs, we support high-value personal transactions with the service they deserve.
We’re trusted by:
- HNW individuals, investors, and family offices
- Touring artists, athletes, entertainers, and their agents
- Individuals moving or managing money across currencies
What Makes Us Different
Zero-fee multi-currency accounts
Local accounts in GBP, EUR, USD, CAD and more – with no setup or maintenance fees.
Highly competitive FX rates
We charge just 0.5–0.7% on average – far below high-street banks.
Dedicated account managers
Real people. No bots. Full support, day or night.
Same-day payments in 35+ currencies
Global reach. Instant execution. No drama.
FX strategy & risk management
Lock in certainty and plan ahead – rather than react to volatility.
Step 1 - Let’s Talk
We start with a conversation. No pressure, just clarity on your needs and where we can help. Carry out a trial run – try before you wire.
Step 2 - Onboarding
We guide you through our fast and secure online onboarding. Most accounts are approved in under 24 hours.
Step 3 - Start Transacting
The multicurrency account ecosystem, the online/mobile platform and the high class service all come part and parcel of our service.
We only make money on the spread/margin we take when our clients convert foreign currencies. Compared to high street banks and other providers, we find our exchange rates are very competitive.
Built on the Best Infrastructure
We aren’t a one-size-fits-all provider, and we don’t rely on a single platform.
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
Learn more about our FinTech Providers and Partners.
Why Clients Stay
We’ve helped clients:
Save 5–6 figures annually in FX costs
Mitigate risk and protect margins
Navigate payments in over 30 countries
Get real answers – not a generic service
Whether you’re a CFO, founder, agent or investor, our job is to make international finance feel simple, transparent and reliable.
What Makes Us Different
Clients in 30+ countries
35+ currencies supported
Over £500 million in FX volume transacted
Rated highly on Trustpilot and client referrals
Our Story
BLK.FX was built to fix what we saw broken in the industry – poor service from banks, and soulless tech from fintechs. We wanted to give clients something better: global capability, personal support, and pricing that made sense.
Ben Kohler,
Founder & Director
What We Do
At BLK.FX we understand the complexity and high cost of modern banking, not to mention foreign exchange. We believe it’s important for our clients to have a fee free multi-currency account landscape, providing the basic ability to send and receive money with ease across the globe.
Our aim to provide the necessary tools and education to our customers, personally assisting them at every stage, doing the best to reduce the cost of moving money internationally.
Our strong client-first culture ensures we are focussed on addressing each client’s specific treasury requirements to deliver a fully bespoke solution.
What Do We Offer?
Redefining the experience of International payments and foreign exchange in collaboration with some of the worlds most advanced fintech institutions.
Who Do We Work With?
Whether you’re CFO of a global business, talent manager who’s clients are paid overseas, influencers receiving income from Youtube, or an individual buying a house abroad, we have the solution for you.
How We Do It?
The multicurrency account ecosystem, the online/mobile platform and the high class service all come part and parcel of our service.
We only make money on the spread/margin we take when our clients convert foreign currencies. Compared to high street banks and other providers, we find our exchange rates are very competitive.
Our Values at BLK.FX: Guiding principles that drive our financial and FX management consultancy.
Integrity
BLK.FX is dedicated to upholding the highest standards of integrity in all of its operations. We are committed to conducting our business in an ethical and transparent manner.
Innovation
BLK.FX takes a modern and innovative approach to financial and FX management consultancy. We constantly strive to find new and creative solutions for our clients’ needs.
Client Success
At BLK.FX, our main priority is the success of our clients. We are dedicated to providing top-quality financial and FX management consultancy services that meet the unique needs of each client. Our team works tirelessly to ensure that our clients achieve their goals and reach new levels of success.
Trusted By
Meet the team
Ben Kohler
Founder & CEO
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.
