/ Reduce cost and eliminate friction from your international payments

Save your business time and money and take the hassle out of international payments and foreign currency management. We help you seamlessly transact in over 40 currencies to and from over 200 countries

/ Reduce cost and eliminate friction from your international payments

Save your business time and money and take the hassle out of international payments and foreign currency management. We help you transact in over 40 currencies to and from over 200 countries


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/ The perfect blend of service, technology and an ethical approach


At Cornerstone FX we combine ultra competitive rates with expert consultancy and cutting-edge technologies to deliver enhanced financial solutions to businesses and private individuals. As a team, we pride ourselves on making a meaningful and lasting difference to our clients and the planet. As a certified Benefit Corporation we’re part of a global community of businesses that meet the highest standards of social and environmental impact and have made a legal commitment to put you first, always.

/ Start saving your business time and money

Named currency accounts


Collect and hold over 40 currencies in individual accounts in the name of your business, free of charge.

Same currency transfers


Save time and eliminate costly bank transfer fees, make same currency payments free of charge from funds held in your currency accounts.

Pay multiple suppliers


Make multiple payments to suppliers at the click of a button. Upload and create thousands of payments within seconds.

 

Receive third party funds


Collect funds into your named currency accounts from customers all over the world, with just one IBAN Number needed for all currencies.


Competitive rates


We agree and formalise your margin at the outset and provide complete transparency with every transfer.

Manage Risk

 

Your own dedicated Relationship Manager is always on hand to help you manage every aspect of your currency exposure.

/ Start saving your business time and money

Named Currency Accounts

Collect and hold over 40 currencies in individual accounts in the name of your business, free of charge.

Receive Third Party Funds

Collect funds into your named currency accounts from customers all over the world, with just one IBAN Number needed for all currencies.

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Pay Multiple Suppliers

Make multiple payments to suppliers at the click of a button. Upload and create thousands of payments within seconds.

Ultra Low Margins

We agree and formalise your margin at the outset and provide complete transparency with every transfer

Bespoke Service

Your own dedicated Relationship Manager is always on hand to help you manage every aspect of your currency exposure.

Same Currency Transfers

Save time and eliminate costly bank transfer fees, make same currency payments free of charge from funds held in your currency accounts

/ What is your current solution?

  • Using a Bank

    Banks are expensive, they rely on apathy and the hope that people will not feel safe using anyone else. For this, they can charge upwards of 3% on conversions as well as additional bank charges for each transaction. A conversion of £20,000 could conceivably cost around £500 more with a bank than it needs to. Every time you make an international payment with your bank your business will lose money unnecessarily. As well as being expensive, they offer non-existent service which in the long run could cost you far more than their expensive charges.


    Banks also have a hugely negative environmental impact, with hundreds, if not thousands of branches, head offices all over the world, and staff numbers in the tens of thousands.


    Cornerstone FX provides a platform that mirrors the functionality and security of a bank, with the ability to collect, hold, convert, and pay funds whilst simultaneously eliminating transaction costs and drastically reducing conversion rates, whilst simultaneously being climate positive. This is all with your own dedicated Relationship Manager who can provide support, guidance, and strategy every step of the way.


  • Using a Broker

    Brokers offer an improvement over banks but not without some drawbacks. Payment technology amongst traditional brokers can vary considerably, many do not hold e-money licenses which means they do not allow their clients to collect and store funds. For most modern businesses this can lead to daily inefficiencies which can add up to days or even weeks of lost time over the course of a year. The majority of brokers are also motivated to extract as much revenue from their clients as possible, this can lead to spreads constantly changing and clients being urged to trade at moments that are not actually beneficial to them. It is not uncommon for us to speak to clients who are actually achieving a worse rate from their broker than they would do with their bank!


    Cornerstone FX provide the ability to collect funds in from third parties, store them indefinitely, pay out in the same currency or convert and pay out in different currencies to multiple beneficiaries. We provide just one single unique IBAN for all currencies you wish to recieve. As a pending Benefit Corporation we're aso legally obligated to always act in our clients best interests.

  • Using a FinTech/Challenger bank

    FinTech providers like TransferWise and Revolut offer better pricing than both banks and brokers but at the expense of service. If your requirement is small and transactional, they may offer an acceptable solution however for everybody else this will come at a significant compromise. If you need any guidance or strategy, or access to additional products other than simple spot transactions this will not be an option. The ability to just speak to a human being may not even be possible. We have clients who have moved from FinTech providers who have had payments delayed or frozen for days, weeks and even months, without the ability to speak to anyone and find out why.


    Cornerstone FX offer comparable or better pricing than FinTech providers, the same payment technology, yet with bespoke service via your own dedicated Relationship Manager.


/ We’re now a Certified B Corporation


As a B Corp, we’re part of a global community of businesses that meet high standards of social and environmental impact. We've made a legal commitment to run Cornerstone FX for the benefit of all our stakeholders, which include our customers, our employees, the environment, our suppliers and society as a whole. We have made a legal commitment by amending our articles of association to never place shareholder value ahead of the interests of any of our stakeholders. As a client this means that legally, we will never place our interests ahead of yours and that everything we do is balanced against the interests of all our stakeholders. We believe that business can be a force for good, and that rather than play lip service to our corporate and social responsibilities we have made ourselves legally accountable for them.

/ Support for ethical organisations

Are you a:

  • Benefit Corporation
  • Charity or Non-Profit
  • Involved with Greentech or Sustainable energy
  • Involved with the supply or production of ethical goods or services
  • An organisation with high standards of ESG


We offer specialist support and discounted exchange rates for ethically minded businesses and organsitions. Contact us for a impartial and no obligation review of your requirements.

/ We’re now a proud B Corp

As a B Corp, we’re part of a global community of businesses that meet high standards of social and environmental impact. We've made a legal commitment to run Cornerstone FX for the benefit of all our stakeholders, which include our customers, our employees, the environment, our suppliers and society as a whole. We have made a legal commitment by amending our articles of association to never place shareholder value ahead of the interests of any of our stakeholders. As a client this means that legally, we will never place our interests ahead of yours and that everything we do is balanced against the interests of all our stakeholders. We believe that business can be a force for good, and that rather than play lip service to our corporate and social responsibilities we have made ourselves legally accountable for them.

/ What our clients say

“very efficient and great rates. have used their services several times and appreciate their professionalism and guidance. Tom is very helpful and always available, very often out of normal hours”


Tony B, Wine Distributor

3 days ago

 

“Fast, professional, helpful and very easy to use and an excellent exchange rate. This was my first international exchange, I spoke with a competitor with terrible customer service experience. The difference with Cornerstone FX was like night and day.”

Brian J, Private Client

7 days ago

“Great Rates, and a great company. Always give great exchange rates, and so simple to process. My Relationship Manager is lovely too. Highly recommend for all foreign exchange currency requirements.” 

Sophie H, CFO, Charity

1 day ago

 

“Saved me a fortune over my previous broker and after working with them for a few months I feel I can trust them going forward. They handle everything professionally and with efficiency. Would recommend them to anyone.”

Jonty E, Media Company

9 days ago

 

All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.

/ How much could you save versus your bank?

The exchange rate examples below demonstrate what you would receive if you converted £100,000 into Euros through Cornerstone FX compared to your high street bank. The below figures do not take into account any transfer fees that your bank charge for international transfers. Exchange rate comparison taken on 18/03/2024:

All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.New Paragraph

WHY CORNERSTONE FX

The evolution of international payments:

The perfect blend of service, technology and pricing

Cornerstone FX is the natural evolution, we provide the perfect blend of expertise and service, sophisticated payments technology and lean pricing that none of the banks, traditional brokers and fintech/challenger banks can provide on their own.


The question is, why are you still compromising?

DISCOVER THE DIFFERENCE

Improved rates and tech, but poor service and no expertise

Fintech providers and challenger banks emerged as the same alternative to traditional brokers as they themselves had been to the banks. They introduced significantly better payments technology with much leaner pricing, however this came at a price. Service levels took a step back, with even basic queries leading to frustrated clients. For any business or individual that required any level of guidance, however basic they had no choice but to stick with their bank or traditional broker. More recently with the need to monetise their services the once attractive pricing provided by the fintechs and challenger banks has also started to drift.

Better rates and service than the banks, but outdated tech and declining service

The traditional brokers came along to offer an alternative to the monopoly the banks had over international payments. They provided significantly better rates and levels of service way beyond the scope of any bank, a win-win for all involved. More recently however, with the emergence of fintech providers and challenger banks, the traditional brokers have struggled to keep pace with the latest payment technologies. The cost to update their technology is in most cases too prohibitive. They now find themselves in a similar position to the banks, with large cost bases compromising their ability to invest in technology, provide better rates and to maintain adequate levels of service.

Poor rates and even worse service

For a long while banks had the monopoly on international payments, it is estimated that even now between 60-85% of businesses or private individuals would only ever use their bank for an international payment. Safe in the knowledge they have a client base that will only ever use them the results are predictable, poor rates and even worse service.

/ Why our clients believe in us

“very efficient and great rates. have used their services several times and appreciate their professionalism and guidance. Tom is very helpful and always available, very often out of normal hours”


Tony B, Wine Distributor

3 days ago

 

“Fast, professional, helpful and very easy to use and an excellent exchange rate. This was my first international exchange, I spoke with a competitor with terrible customer service experience. The difference with Cornerstone FX was like night and day.”

Brian J, Private Client

7 days ago

“Great Rates, and a great company. Always give great exchange rates, and so simple to process. My Relationship Manager is lovely too. Highly recommend for all foreign exchange currency requirements.” 

Sophie H, CFO, Charity

1 day ago

 

“Saved me a fortune over my previous broker and after working with them for a few months I feel I can trust them going forward. They handle everything professionally and with efficiency. Would recommend them to anyone.”

Jonty E, Media Company

9 days ago

 

/ How much could you save against your bank?

*Converting £100,000 into EUR on 18/03/2024

/ Watch our platform demo

As well as the dedicated service of your own Relationship Manager, as a Cornerstone client you have access to our cutting edge payments platform. Watch our demo to see how you can easily collect and hold multiple currencies in your own named accounts, with the ability to convert and pay funds 24/7, on any device.


Want to know more? We have have a live interactive version one of our Relationship Managers can demonstrate to you via screen share, arrange your demo today.

WHY CORNERSTONE FX

/ The evolution of international payments:

The perfect blend of service, technology, pricing and an ethical approach to business

Cornerstone FX is the natural evolution, we provide the perfect blend of expertise and service, sophisticated payments technology, and lean pricing that none of the banks, traditional brokers, and fintech/challenger banks can provide on their own.


The question is, why are you still compromising? Visit our business page for more information.

DISCOVER THE DIFFERENCE

Improved rates and tech, but poor service and no expertise

Fintech providers and challenger banks emerged as the same alternative to traditional brokers as they themselves had been to the banks. They introduced significantly better payment technology with much leaner pricing, however, this came at a price. Service levels took a step back, with even basic queries leading to frustrated clients. For any business or individual that required any level of guidance, however basic they had no choice but to stick with their bank or traditional broker. More recently with the need to monetise their services the once attractive pricing provided by the fintech and challenger banks has also started to drift.


Are you a start-up business? Visit our page here.

Better rates and service than the banks, but outdated tech and declining service

The traditional brokers came along to offer an alternative to the banks' monopoly over international payments. They provided significantly better rates and levels of service way beyond the scope of any bank, a win-win for all involved. More recently, however, with the emergence of fintech providers and challenger banks, traditional brokers have struggled to keep pace with the latest payment technologies. The cost to update their technology is in most cases too prohibitive. They now find themselves in a similar position to the banks, with enormous cost bases compromising their ability to invest in technology, provide better rates, and maintain adequate levels of service.


Are you looking for personal money transfers? Visit our page here.

Poor rates and even worse service

For a long while banks had the monopoly on international payments, it is estimated that even now between 60-85% of businesses or private individuals would only ever use their bank for an international payment. Safe in the knowledge they have a client base that will only ever use them the results are predictable, poor rates, and even worse service. They and their customers face a consistent struggle, the need to win new customers which is often achieved through promises on price, with the need to then extract more revenue from their clients, which often leads to these promises being broken.


Looking to partner with us? Visit our partnership page.

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