Corporate FX · International payments · SERVING CUSTOMERS GLOBALLY
Foreign exchange and international payments, managed by people who know your business.
Ocean Capital Exchange helps businesses manage international payments, foreign exchange and currency risk, combining dedicated account management with access to established global payment infrastructure.
- Currencies
- 130over 130 currencies
- currencies available through our providers, subject to service and destination
- Contact
- One
- dedicated account manager as your point of contact
- Company
- Ocean Capital Exchange Ltd, registered in England and Wales, company 11665955
- Call the desk: +44 20 7183 2026
Transparency
How the service works
You work with Ocean Capital Exchange: your account manager learns your currency flows, prices your trades and stays with you as your business grows. The underlying payment services and financial infrastructure are provided by appropriately regulated third-party providers. You never send funds to Ocean Capital Exchange Ltd; your money goes directly to accounts owned and operated by the relevant regulated payment service provider.
- 1
You
Your business instructs a conversion or payment, guided by your OCE account manager.
- 2
Regulated provider
You send funds directly to an account owned and operated by the relevant regulated payment service provider.
- 3
Beneficiary
The provider converts and pays out to your supplier, staff or own currency balance.
Not in the flow of fundsOcean Capital Exchange Ltd never receives or holds customer money.
FX and international payments
Currency services for international business
If you buy stock in euros, pay contractors in dollars or collect revenue across several markets, the exchange rate is a real line in your costs. Your OCE account manager gives you competitive pricing, a direct line for every trade and the tools to plan ahead.
- Spot FX
- Buy or sell currency at today's rate for near-term settlement, with the rate confirmed before you commit.
- Forward contracts
- Fix a rate today for a payment due in the coming months, so a supplier invoice or customer receipt has a known sterling value.
- International payments
- Pay suppliers, staff and partners abroad across major and less commonly traded currencies, with confirmation at each stage.
- Multi-currency accounts
- Hold, receive and pay in multiple currencies, converting only when the timing suits you.
- Mass payments
- Upload and release large batches of payouts to many beneficiaries in one controlled process.
- Ecommerce collections
- Collect marketplace and online sales revenue in local currencies and bring it home on your terms.
Beyond the major currencies
From sterling and euros to kwacha, cedi and dong.
Most providers focus on the commonly traded pairs. Ocean Capital Exchange also helps businesses with more specialist requirements across African, Asian and Caribbean markets, with access to over 130 currencies in total. These are just a few examples, not a complete currency list.
Availability depends on the underlying provider. Not every currency supports every payment method, collection account, forward contract or settlement route; we confirm what is available for your specific service and destination.
MWKMalawian Kwacha
Paying tea, tobacco or agricultural suppliers in Malawi.
GHSGhanaian Cedi
Settling cocoa, logistics or contractor invoices in Ghana.
VNDVietnamese Dong
Paying garment, furniture or electronics manufacturers in Vietnam.
ZMWZambian Kwacha
Funding mining services, staff or project costs in Zambia.
NGNNigerian Naira
Paying suppliers or local operating costs in Nigeria.
TTDTrinidad and Tobago Dollar
Paying suppliers in Trinidad and Tobago.
PHPPhilippine Peso
Paying suppliers or service providers in the Philippines.
XAFCentral African CFA Franc
Paying suppliers or local operating costs in Cameroon and other Central African markets.
Currency risk management
A worked example: the importer with a 90-day invoice
A UK distributor agrees to pay a European manufacturer €250,000 in three months. The order is priced in sterling to its own customers today. If sterling weakens before the invoice falls due, the same euro bill costs more and the margin shrinks. A forward contract fixes the exchange rate now for that future date, so the finance team knows the sterling cost when it sets prices.
- Day 0Order placed. €250,000 due in 90 days. Forward contract agreed at a fixed rate.
- Day 1 to 89Sterling moves against the euro. The agreed rate does not change.
- Day 90Invoice paid at the fixed rate. Sterling cost matches the figure used to price the goods.
Worth knowing
- A forward removes uncertainty, not risk altogether: if the rate moves in your favour, you still pay the agreed rate.
- Forwards usually require a deposit, and margin calls can apply if the market moves significantly.
- We help you decide how much of your exposure to cover and for how long, based on your own forecasts.
Commercial finance
Access to the right facility, from lenders who specialise in it
Working capital problems rarely fit one product. We look at your trading pattern, assets and plans, then introduce you to specialist providers whose criteria match. All finance is subject to the lender's assessment, terms and approval.
- Invoice financeRelease cash tied up in unpaid customer invoices.Read more
- Trade financeFund supplier payments for imported or exported goods.Read more
- Asset financeLease, buy or refinance vehicles, plant and equipment.Read more
- Secured loansBorrowing backed by property or other business assets.Read more
- Unsecured loansTerm borrowing without specific asset security.Read more
- Merchant cash advanceAn advance repaid as a share of future card takings.Read more
- Letters of creditBank-backed payment assurance for international trade.Read more
What happens after you get in touch
- 1
A conversation
We call you back to understand your payments, currencies, timing and funding needs.
- 2
Options set out
Your account manager sets out the relevant services, how pricing works and which regulated provider sits behind them.
- 3
Account or application
You complete onboarding with the provider, including identity and business checks.
- 4
Ongoing support
Your account manager stays as your contact for trades, payments and reviews.
Who we work with
- Finance directors
- Rate certainty for budgets, clear trade confirmations and controls over who can release payments.
- Business owners
- A direct line to someone who knows your business, rather than a call centre queue.
- Importers and exporters
- Supplier payments, currency receipts and trade finance considered together.
- Professional advisers
- Accountants and brokers who want a reliable referral partner for their clients. About partnerships
Illustrative calculator
What is your current exchange margin costing?
Compare your current provider with another rate quoted at the exact same time. Enter your transfer amount and a mid-market reference to see the margins and the difference in what your recipient receives. Have margin percentages instead? You can use those too.
Three quick steps
Compare your transfer costs
Your transfer
In pounds sterlingYour figure, EUR per 1 GBPTake every rate at the exact same moment. Enter EUR per 1 GBP (for example 1.17), not the inverse rate.
Your current provider
EUR per 1 GBPThe rate you'd like to compare
EUR per 1 GBP
Your comparison
Fill in the three steps and we'll show the difference here, in pounds.
0 of 4 figures entered
- Current provider
- £ —
- Comparison
- £ —
Enter the amount, mid-market reference and both provider exchange rates. Exchange rates must be greater than zero.
How this is worked out, and what it leaves out
Illustration only, not a quote, live rate or forecast of savings. Implied margin is the percentage reduction from your mid-market reference to each entered provider rate. The GBP cost shown is the rate shortfall relative to that reference, not a separately charged fee. OCE does not typically charge individual transfer fees, so no separate transfer fee is included. Additional charges may apply in particular circumstances, including third-party or intermediary bank charges; confirm the full terms for your payment.
Illustration only, not a quote or live rate. Rate costs are shortfalls against your reference, not separate fees. Other charges may apply.
Converting regularly? Model a full year of margin costs.Open the FX savings calculator
Questions finance teams ask us
All frequently asked questionsIs Ocean Capital Exchange a bank or lender?
No. Ocean Capital Exchange provides account management and currency expertise. Accounts and payments are provided by appropriately regulated third-party payment service providers, and finance facilities by lenders, under their own terms. You never send funds to Ocean Capital Exchange Ltd. Our security and legal page explains the arrangements.
How is FX pricing set?
Each trade is priced as an exchange rate, and the rate is confirmed before you agree to it, so you can compare the cost with your current provider. Separate transfer fees are not typically charged, though third-party or intermediary bank charges can apply on some routes.
Which currencies can you help with?
We provide access to over 130 currencies through our underlying providers, including less commonly traded currencies such as MWK, GHS, VND and ZMW. Availability of specific payment methods, collection accounts, forwards and settlement routes is confirmed for each service and destination.
What do I need to open a business account?
The provider will ask for company details, information on directors and beneficial owners, and identity documents. The application is completed online with the provider.
Can you guarantee that a lender will approve finance?
No. Every application is assessed by the lender against its own criteria. We aim to introduce you to providers whose criteria suit your business, which saves time on unsuitable applications.
Do you work with individuals?
Yes. Our private client service supports overseas property purchases and personal international transfers.
Customer feedback
Hear from our customers
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Reviews are published through Feefo and reflect individual customers’ experiences. They are not a guarantee of future service, exchange rates, savings or finance availability.
Buying property abroad or moving money personally?
Our private client service handles overseas property purchases, pension transfers and other personal currency needs.
Speak to the London desk
Tell us what you pay, receive or need to fund. A member of the team will call you back.
- Telephone
- +44 20 7183 2026
- Office
- 73 Watling Street, London, EC4M 9BJ
- Existing clients
- Client login