Most businesses have never stress-tested their banking and FX setup. They pay the standard rate, accept the standard terms, and assume that's just how it works. It isn't. The difference between what you pay and what you could pay is often five or six figures a year.
High street banks charge 2–3% above the interbank rate on currency conversion. On £200k/month in international payments, that's £40–60k a year disappearing silently.
Debanking is at a decade high. Businesses in crypto, affiliate, iGaming, or international trade face account freezes and closures with little warning — and no plan B ready.
SWIFT transfers taking 3–5 days mean cash tied up, suppliers waiting, and deals at risk. The working capital cost of slow payments rarely shows up on a fee schedule — but it's real.
"Most businesses don't know what their
banking setup is actually costing them.
The ones that check are usually surprised."
Three quick questions: your monthly volume, current provider, and the issues you've encountered. Takes under two minutes.
GenerateFX assesses whether a better banking, payments, or FX arrangement exists for your business — and what the saving could look like.
If there's a fit, we make the introduction to the right specialist provider. No cold research. No wasted calls. One structured handoff.
Takes under two minutes.Three questions. An instant cost estimate. No account needed.
Try the calculator →Debanking risk is high and getting higher. If your current banking infrastructure is fragile, you need a structured alternative — not a scramble when it fails.
High-volume international payments, multiple currencies, and a risk profile most banks don't like. The right setup makes a material difference to your margin.
Card decline rates, payment processing costs, and currency conversion all compound on high-volume businesses. The cost of an optimised setup is usually recovered in months.
If you're regularly converting currency or making cross-border supplier payments, the spread you're paying is almost certainly higher than it needs to be.
A clear cost estimateSee what your current banking setup is likely costing you annually — broken down by FX spread, payment delays, and account risk.
Access to specialist providersOur network of specialist banking and payments partners serve businesses that mainstream banks won't, or price poorly.
No disruption to your businessYou don't need to switch anything immediately. The review is an assessment — you decide if and when to act on what we find.
Zero cost, zero obligationThis isn't a sales call. It's a structured review. If there's no material saving available, we'll tell you and you'll have lost nothing but twenty minutes.
Run the health check below. Takes two minutes — and if a better setup is available, we'll show you what it looks like.
Estimate your annual banking and FX overhead in under a minute.
We'll come back to you within one business day.