Spot execution
Convert and pay in more than 140 currency pairs at institutional rates, whenever it suits your business.
Protect your margin
Direct market access for your international payments.
Institutional pricing through regulated market infrastructure, with an experienced dealing desk behind the platform.
140+
Currency pairs
Same day
Major-route settlement
£100b+
Processed on partner rails
125 yrs
Combined desk experience
The case for switching
Why businesses leave their bank.
The high street model was not built for companies that pay suppliers, staff and partners overseas. Ours was.
Institutional pricing
High street banks price FX as a profit centre, with the margin hidden inside the rate. We connect you directly to institutional pricing, the same rates banks use internally, without the retail markup.
Platform-first execution
Execute spot and forward contracts yourself, without calling a dealer for every transaction. Multi-currency accounts, local IBANs and same-day settlement, all in one place.
A desk behind the platform
Over 125 years of combined experience across FX markets and cross-border payments. Expert support is there when a transaction is complex or the timing matters.
Regulated infrastructure
Payment services are provided by FCA-authorised partners, with client funds safeguarded in line with UK payment regulations.
The numbers
What the markup costs.
A bank margin of 1.5 to 2.5 percent looks small on a rate. On real volume, it is not. It sits inside the exchange rate, so it never appears on a statement and it never gets questioned.
A business converting £500,000 a year at a typical bank margin gives up as much as £12,500 annually. Most never see the number.
Annual international payment volume
£500,000
Typical bank markup at 1.5% to 2.5%
£7,500 to £12,500
Illustrative, based on typical high street margins of 1.5 to 2.5 percent. Already on tighter pricing? Send the desk a recent confirmation and we will benchmark that too.
Benchmark us against your bankWhat you get
Everything the desk offers, on platform.
No platform fees. No account opening charges. Pricing lives in the rate, and the rate is the point.
Forward contracts
Fix a rate today for a payment later and take the guesswork out of budgeting for known commitments.
Multi-currency accounts
Hold, receive and pay in major currencies with local IBANs, without opening accounts overseas.
Same-day settlement
Payments delivered same day across major routes, so suppliers are paid when you said they would be.
Self-service platform
Full visibility of rates, payments and balances in one place. Execute yourself, on your schedule.
Dealing desk access
A direct line to an experienced desk for hedging, market timing and complex requirements.
Client outcomes
What switching actually saved.
Why businesses are switching from their banks
Glad I Took the Initiative
Was skeptical when I first heard about the platform, but glad I took the initiative to compare rates. Switching from Lloyds has saved our business over £18k this year on international payments.
Should have switched years ago
Their platform gives us control over our payments and the rates beat what we were paying through Barclays. Our accountant calculated we're saving roughly £15k a year.
Better rates than our bank
We benchmark every quarter and Lamera consistently beats what we were paying at NatWest. The savings have been material - around £12k annually on our EUR payments alone.
Much better than traditional banking
We handle around £800k in international payments annually through the platform. The rate improvement vs our previous bank has made a real impact on our bottom line.
Finally found a better alternative
The platform is simple to use and the rates are significantly better than what HSBC was giving us. Straightforward onboarding and we were up and running in days.
Responsive support when it matters
Had an urgent payment deadline and their team worked late to ensure it went through. That's customer service you don't get from the big banks.
Market insights
The desk’s view, in writing.
See our latest analysis on the market
Pound Retreats as Oil, Borrowing Costs and a Hawkish Fed Strengthen the Dollar
Sterling falls against the euro and dollar despite stronger UK retail sales, as rising oil prices, higher bond yields and hawkish central-bank expectations support the US dollar ahead of the Federal Reserve and Bank of England meetings.
Read the pieceTwo Weeks, Four Central Banks, and a New Prime Minister: What Could Move Your Currency Before Month-End
Sterling near a one-year high, the loonie firm on oil, and four central bank decisions before month-end. A pair-by-pair guide for businesses buying currency.
Read the pieceThe Fed Has a Reason. The Bank of England Only Has Oil.
Markets have priced hikes on both sides of the Atlantic off the same oil shock. Why the Fed's case is domestic and durable, and sterling's rally is borrowed.
Read the pieceRegulated infrastructure
Built on FCA-authorised rails.
Payment services for Lamera Capital clients are provided by FCA-authorised partners. Client funds are safeguarded in line with UK payment regulations, held separately from operational funds at all times.
Our board includes a co-founder of Currencycloud, the UK payments infrastructure business acquired by Visa in 2021.
Authorised EMI · FSR 900797
Authorised Payment Institution · FRN 488396
Payment infrastructure partner