international payments Managing foreign exchange to make more profit
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1 Let s talk international payments Managing foreign exchange to make more profit
2 How can you manage foreign exchange to make more profit?
3 Does your bank help you manage international payments in a way that really benefits your business? We re guessing the answer is no. For that to happen, you d need a bank that understands your business and the markets you operate in. A bank that can quickly show you how exchange rate moves might impact your profitability. One willing to tailor a unique package of currency products that will help you limit risks while seizing opportunities. Most banks don t have the time, inclination, expertise or flexibility. Well, we do. At Currencies Direct you can work with a dedicated currency specialist who actually understands your business. You get an expert to share ideas that keep you one step ahead of the market. Someone to find you great rates of exchange that beat the banks by up to 3%. And a partner to help you manage your currency exposure in a way that boosts your bottom line. All in the shape of one friendly, knowledgeable and helpful person. If that sounds like a better deal, come to Currencies Direct. We re ready to talk. Discover Find out more about us and how we have helped businesses manage their foreign exchange to make more profit at the bottom of each page. Page: 3 Let s chat: +44 (0) Tweet Visit us: currenciesdirect.com
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5 Welcome to our world What we do We re one of the world s leading foreign exchange providers. When our clients need to pay money overseas or receive funds in other currencies, we make sure they get the best deal possible. With no hidden charges and no fuss. It s all we do, and we re very good at it. So good that 97% of our customers would recommend us. Why we re different The world of foreign exchange and international payments is full of complexity and jargon, where a sudden rate change can turn a profitable transaction sour. We take the time to talk to you, so we understand what s important to your business. That way we can give you relevant and actionable guidance that makes the difference between success and failure. Our bank-beating rates and market knowledge will help you protect your profits, so you can focus on driving your business forward Level 1 People trust us We ve served over 150,000 customers globally since Your money is safe We ve got the highest possible Dun & Bradstreet credit rating. 2bn Currency is our business We ll handle currency worth over 2 billion this year. Authorised We re above board We re authorised by the Financial Conduct Authority (FRN No ) for the provision of payment services. Page: 5 Let s chat: +44 (0) Tweet Visit us: currenciesdirect.com
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7 Protecting your profits Money talks, we know. So when 97% of our customers say they would recommend us, that s not just because they think we re fair and friendly. It s because we save them lots of money. Our business has grown fast since 1996 because our rates are the best around and we don t charge any sneaky commission or hide fees. In fact, we beat the high street banks time and again by as much as 3%. But our excellent value isn t just about great rates and low costs. With a detailed understanding of your business and what makes it tick, one of our currency specialists can help you in a host of other ways. They can help you to time your transactions when exchange rates are in your favour and share market insights so you can reduce your risks. They can help you to plan ahead, by giving you currency forecasts and even meet with you regularly to discuss your business and its evolving needs. Saving pennies and pounds for Pete Pete runs his textiles business on tight margins. Every penny makes a difference. We showed him how much money he could save by using us rather than his bank. He s never looked back. When he needs to trade, he just gives us a call. It s quick and simple, which is how Pete likes it. Placing a limit on costs Greg s the Financial Director and spends hundreds of thousands of dollars on new machinery. He called us to see if we could get him a great rate. We suggested a limit order. It saved his Managing Director thousands of pounds. Yes, Greg did mention it in his annual review. Page: 7 Let s chat: +44 (0) Tweet Visit us: currenciesdirect.com
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9 Service fit for a King or Queen We re here to make your international payments more profitable. That means giving you a great deal and great service. Whatever your commercial objectives, your dedicated currency expert will talk you through your options in a simple, jargon-free way that puts you in control. We ll make sure the same person looks after you each time, so they can really understand your business and the factors that drive its success. Working in partnership with a dedicated currency expert makes it easier for you to achieve your goals. It means we can give you the best possible guidance and service, create a package of currency market products tailored to your business and its unique situation. From this single point of contact, we can call on the expertise of our foreign exchange specialists based in markets around the world. Even a complex currency market strategy can be a simple, hassle-free experience. Fixing tile prices for James James runs a tile business in a Leicestershire market town. His clients love the tiles he imports from Italy. But he doesn t love the way costs fluctuate depending on the euro rate. A conversation with his dealer Phil made all the difference. Now, James uses forward contracts so he knows exactly what his tiles will cost. Multiple payments, mega easy Russell s business has to make lots of payments in a wide range of currencies every day. It was a real headache for his team. We chatted to them and suggested they use our super-simple MultiPay system. Now they can run all the currency transactions they need and process them using their existing accounting software. Page: 9 Let s chat: +44 (0) Tweet Visit us: currenciesdirect.com
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11 Products that work for your business To protect your profits and seize opportunities, converting foreign exchange at the right time and in the right way is just as important as finding the best rate. That takes experience and know-how. If rates move against you, a profitable transaction can soon turn into a loss-maker. Whether you want a great exchange rate today, or you d like to fix a rate for the future, your dedicated currency expert will create a package of products that meets the unique needs of your business. That means you can spend your time thinking up new ways to grow your bottom line and not worrying about exchange rates. How forward contracts can secure rates and reduce risks Secured rate Transfer date Rate Saving Time Page: 11 Let s chat: +44 (0) Tweet Visit us: currenciesdirect.com
12 Our products Spot contracts Very simple. You want to send funds to a foreign bank account straight away. We get you a great rate and complete the transfer. We can even tell the recipient that the money is on its way. Forward contracts Today s rates are good, but you don t want to transfer your money yet. With a forward contract, we can fix today s rate for up to a year. All we need is a 10% deposit. It s a good way to protect your margins and cash flow. The minimum contract is 5,000. Regular transfers Need to make regular international payments, maybe to overseas staff? We can set up a direct debit and even fix the exchange rate. It takes away the admin pain and gives you certainty over your costs. For sums between 150 and 5,000 there are no transfer fees. MultiPay Multiple international payments can be a real pain. They re expensive too. Our MultiPay service can get rid of the cost and hassle. You can easily set up multiple payments in multiple currencies. And we can integrate it seamlessly with your existing business software, meaning no IT headaches. Ask us, we d love to give you a demo. Use spot contracts for Paying invoices in another country Moving money quickly across your accounts Making immediate payments Use forward contracts for Protecting yourself against future rate fluctuations Controlling costs Fixing your rate but only paying a 10% deposit on the transfer amount Use regular transfers for International payments to overseas staff Paying mortgage/bills for overseas offices Payments to overseas suppliers Use MultiPay for Staff salary payments overseas Multiple supplier payments overseas
13 Limit orders Want to make a transfer, but have some flexibility on timing? A limit order can be useful here. It allows you to set a target exchange rate at which your transaction will be executed automatically if reached. Stop-loss order The mirror to a limit order, a stop-loss lets you set the guaranteed minimum rate you want to trade at. If you know your best and worst acceptable rates, a stop-loss and a limit order can work very nicely together. They give you peace of mind by ring fencing the market and therefore limiting risk. Rate watch Don t have time to monitor the markets, but want the best rates? We can keep a close eye on the market for you; if rates reach your target, we ll get in touch and talk you through your options. E-tailers If you re running an online business and purchasing stock from overseas, or receiving payments from other countries, our e-tailer service will save you money and time. How? We simplify the foreign exchange process and guarantee bank beating exchange rates. Use limit orders for Maximum benefit when exchange rates move in your favour Transfers that are not time sensitive Use stop-loss orders for Guaranteeing a bottom exchange rate Accompanying a limit order to reduce risk Use rate watch for Transfers that are not time sensitive Keeping an eye on the currency markets Leaving your options open when your target rate is reached Use e-tailers for Paying your overseas suppliers Collecting payments from overseas Managing foreign exchange for online overseas market places Page: 13 Let s chat: +44 (0) Tweet Visit us: currenciesdirect.com
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15 More profit, less hassle. Simple. We love talking foreign exchange. Really. All those dollars and dinars, the pounds and pesos. But we know most people don t share our obsession. They want to stay focused on their business goals. That s why we promise to keep everything as simple as possible. Your dedicated currency expert will give you straightforward guidance about how to get whatever you need done, done. Maybe you want to protect your profit margins, improve your cash flow or manage the risk of doing business in a new country. We ll give you jargon-free guidance that makes a difference, great rates and no hidden costs. You can focus on moving your business forwards. We ll sort out the foreign currency needed to make it happen. Are you ready to talk? Online everywhere Angie and Bill set up an online business selling vintage clothing five years ago. They now have customers all over the world. Collecting the funds in different currencies was a hassle and they felt like they were being ripped off on prices. We showed them an easier way to do it and saved them lots of money too. Quick and Painless Mahendra imports curtains and blinds. He likes to leave admin for the evenings when his customers aren t buying. Our easy-to-use online payment platform makes things simple. He can access it whenever he likes and payments reach his suppliers quickly. Best of all, a monthly report shows him exactly what his stock has cost in Sterling, so he can monitor his profits more easily. Page: 15 Let s chat: +44 (0) Tweet Visit us: currenciesdirect.com
16 Find your local office UK Head Office 51 Moorgate London EC2R 6BH, UK T: from within the UK T: +44 (0) from outside the UK F: +44 (0) E: UK Manchester Spinningfields 10th Floor 3 Hardman Street Manchester M3 3HF, UK T: +44 (0) E: manchester@currenciesdirect.com Spain Costa Almeria Avenida Mediterráneo Mojácar Almeria, Spain T: F: E: mojacar@currenciesdirect.com W: currenciesdirect.com/mojacar/ Spain South Costa Blanca Calle Salvador Dali Nº 6 Playa Flamenca Orihuela Costa Alicante 03189, Spain T: F: E: costablanca@currenciesdirect.com W: currenciesdirect.com/la-zenia/ Spain North Costa Blanca Carretera Moraira Calpe 5 Edificio Benidorm Local 7 Moraira Alicante Spain T: F: E: moraira@currenciesdirect.com W: currenciesdirect.com/moraira/ Spain Costa del Sol Plaza de las Orquídeas Calle Orquídea Local 6 Nueva Andalucia Marbella Málaga Spain T: F: E: costadelsol@currenciesdirect.com W: currenciesdirect.com/marbella/ Portugal Algarve Ave 5 de Outubro, No Almancil Portugal T: F: E: algarve@currenciesdirect.com W: currenciesdirect.com/portugal/ France Ophira 1 Place Joseph Bermond Valbonne Sophia Antipolis France T: +33 (0) F: +33 (0) E: france@currenciesdirect.com South Africa Suite 208, Second Floor Clock Tower V&A Waterfront Cape Town 8000 T: +27 (0) F: +27 (0) E: infosa@currenciesdirect.com India Unit No.601, A-Wing Eureka Towers Mindspace Malad (West) Mumbai , India T: +91 (0) F: +91 (0) E: mumbai@currenciesdirect.com USA Florida 4700 Millenia Boulevard Suite 175 Orlando FL 32839, USA T: +1 (0) E: usa@currenciesdirect.com We re authorised by the Financial Conduct Authority for the provision of payment services.
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