Citizenship By Investment

Citizenship By Investment

Money talks, so they say.

For those with money it is becoming easier to choose where to live.

Citizenship by Investment programs are springing up across the globe, many country’s governments seeing an opportunity to raise funds.

We work with many agencies and companies involved in these programs. It is incredible how many of these investors set up in another country then rely on their bank to send their money over.

There are two main points here.

Firstly, even UHNWI with private banking will still get poor rates of exchange from their bank. It’s just another service they can make money from.

Secondly, and more importantly, do you really want to let your bank know where you are relocating to?

If you are considering moving from a less than democratic area do you want to be promoting where you are going?

Using a company such as ours gives the most competitive rates available and an extra layer of security and anonymity.

Currency transfers would come through our banking system rather than your bank processing the transfer knowing exactly where the new account is.

Especially important with state run banks.

We are happy to offer our range of services to clients around the world making a fresh start.

The process can be drawn out with payments being made at intervals, we are able to fix a rate when favourable for the client, your bank cannot do this.

Please remember, use agents with local knowledge of the program you are interested in. Understand the cost, benefits and timeframe before committing.

Citizenship by Investment is not for everyone but it offers significant opportunities for individuals looking to relocate into new areas.

Whether it be more favourable tax regimes, the ability to move around an area without a visa or to expand a business we can help.

Introduction to one of our favoured partners and of course our knowledge and expertise with Foreign Exchange and related services.

For more information please click here

Managing the Risk

Many exporters do not have to run the risk of currency fluctuations. They charge invoices in their own currency leaving all of the risk to the importer/buyer.

But what are the options when a buyer wants to pay in their currency?

How can I break into a tough market?

There are ways we can help you be pro-active in tough times and markets.

The biggest issue we come up against with our clients is quoting for business.

Exporters trying to break into new markets will find not only local providers as competition but also more in-country established companies.

You may be providing a cheaper quote but the concerns of currency movement can put some buyers off. They do not neccessarily want the added concerns and inconvenience of paying an invoice in another currency.

But there are ways to quote in your client’s currency AND minimise the risk to you and your business. In fact you may well improve your profit margin.

We can show you ways of competing in tough markets, taking the currency concerns away from your potential new client.

To do business, we need to make it as easy as possible for our clients to say yes.

Quoting in their local currency and taking away any concerns for them is a big step to getting that yes.

Speak to us today about how we can help you and your export business.

Contact us here

Unprecedented Times

If nothing else this pandemic has shown us how quickly the world economy can change. These are truly unprecedented times. People and businesses have had to change with it.

We have seen the leisure and tourism sectors decimated and with no end in sight who knows when they will be anywhere back to normal.

It would seem many companies will struggle to survive this and the cost to human life will never probably be truly known.

Companies large and small are having to look at ways of saving and making money in these unprecedented times.

More details on the effects of the pandemic on the economy can be found here.

As a service provider we can help on the saving side. Making sure our clients pay as little as possible for the service we provide.

We have always been here to work alongside our clients, through good and bad times.

And we intend to do that.

From a personal point of view, our business hasn’t been too badly affected.

Most of the time we work from a home office environment and our clients are spread around the world.

The most significant part for us though is overheads.

We do not run a large team.

We do not have expensive offices in the centre of London.

Our overheads are low which means we can still offer the same highly competitive rates of exchange. We do not have to factor in losses to make up for lost business and high monthly bills.

What we do offer though is

A bespoke service

Direct access to a dealer

An online platform

A full range of major currency pairs

A full range of financial tools for planning and timing of payments, such as Forward contracts.

Partnerships to work on tougher areas such as China.

We are here for the long haul, looking to build long lasting relationships without the need for expensive offices.

Feel free to contact us to see how we can help your business through these tough times.

To open an account with us please click on the following links:



Tech Startups

Over the years we have helped many import/export companies paying for goods overseas realise competitive exchange rates and provide them with the tools to plan and budget up to 12 months in advance.

Tech companies, and startups in particular require a different strategy, more often than not these startups begin in the back bedroom as a flash of inspiration or an epiphany. Initially all the work is on building a program or an app but then suddenly everything explodes, seed money comes in, work is contracted out to programmers around the world and offices begin to spring up.

As with most businesses in the early expansion phase everything gets done as and when someone thinks about it or it is demanded.

It can sometimes be a while before a designated Finance officer or CFO is recruited, by this time so much money could have been wasted in unnecessary costs and fees from banks, not alone poor exchange rates.

For many tech startups there is usually substantial use of US dollars but if your tech company is based in Europe you may well find that you are forever changing Euros to Dollars and vice versa, whereas using the facilities within a currency company the US dollars could sit in an account until needed so as not to be penalised twice for converting when there is no need to.

It’s true that it is possible to open multi currency accounts with your bank but these can be expensive and in the early months and years there may not be the resources nor the need to have these in place.

You should be using all of your energy and concentration on growing your startup from an idea.

We are here to help from the beginning of your journey through to the realisation of your dreams.

Feel free to contact us to see how we can add value to your startup.

Contact us:

#foreignexchange #techstartups #foreigncurrency

Buying Property Overseas

Well Brexit is happening, it will, however, not stop thousands of Brits find a home overseas.

So some do’s and dont’s, most of these are common sense but you would be surprised.

Do use experts, regulated and authorised estate agents, a good lawyer who speaks English.

Do Not attempt to buy from a friend of a friend with no legal counsel.

Do your research, a great holiday destination does not always make for a new life and home.

Do Not cross your fingers and hope for the best.

Do plan ahead, make sure financially you can sustain the life you want to lead.

When you have found that dream home, one of the most important financial matters is often treated as a last minute chore.

Foreign Exchange.

It is very easy to ask your bank to do the transaction for you, but is it the best for you?

Ask yourself three questions.

Does my bank provide me with someone to discuss my needs, to help me plan the payments?

Does my bank provide me with a real live quote before I decide whether to trade?

Does my bank offer me a fixed rate that can cover a number of payments over a certain time?

I am guessing the answer to all 3 of these is no and yet many people still go ahead and do the trade with their bank.

Why? The normal answer is I can trust them and its easy to organise.

We are regulated and work through the same bank payment systems. It takes 10 minutes to sign up for an account with us and is usually live within a couple of hours. You then have your own dedicated dealer to discuss your requirements. They can give advice and offer live prices which you can either book or decline. You will always know exactly how much it will cost to buy your currency, no hidden fees or charges.

Another reason I have heard to use the bank, I have been a loyal client for 30 plus years I get a good rate.

On average we save our clients around 4%, doesn’t sound much but if you are sending over 200,000 Euros it will cost you an extra £8000 to buy that currency from your bank than from us.

We have just saved you enough to build a pool in the garden.

Another consideration, most people buying a property overseas pay an average 20% deposit and the rest at completion maybe 3 months later.

If you do this through your bank you will request 20% to be sent now and then in 3 months time the remaining 80%. What if the currency markets have moved against you in that time?

You could be seeing extra costs of £5000 plus just by the markets moving a little.

We are able to offer products that can help fix a price now to use in the future. Whatever happens in the time between deposit and final contract you know exactly how much your property is going to cost.

We are here to offer advice and help you save money on your dream home overseas, please feel free to contact us.

#propertyoverseas #foreigncurrency #foreignexchange #overseasproperty


Many people from around the world have made their home and business in China over the least couple of decades. Some go for the long term, some for the experience. The growth of wealth in China has meant that Chinese nationals are looking at using their new found riches to buy properties, businesses and other investments around the world. With the amount of money leaving China it was only a matter of time before the government started tightening the restrictions. This, however has only slowed down not stopped the money jumping the great wall.

In the main foreign nationals are able to move their money as long as they can show tax receipts. It can be a long process and a long meeting with your local bank, so make sure you have all the correct paperwork.

One item of discussion that came up the other day with a client was that of Director Dividends. The client was told these could not be transferred without the relevant tax being paid as dividends were not recognised and this was seen as salary.

We work with a partner based in Hong Kong who can help with issues such as previously discussed.

We are happy to look at any situation and see if we can provide a solution to the dilemma. Please feel free to get in touch.

#RMB #Chinaforeignexchange #chinacurrencyrules #movingmoneyoutofchina