Money Mover
Money Mover is a Cambridge-based fintech that provides a web-based multi-currency account and FX/international payments platform for SMEs and individuals making higher-value cross-border payments, executing all transactions through FCA-regulated partner Currencycloud.
- Company typePrivate
- Founded2014
- HeadquartersCambridge, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Money Mover does
Money Mover (trading name of MoneyMovr Limited, registered in England and Wales, company number 8780601) is a Cambridge-headquartered fintech founded in 2014 that operates a global payments and currency exchange platform targeted at small and medium-sized enterprises (SMEs) and individuals making higher-value international payments of at least GBP 1,000 or equivalent. The company runs a cloud-based web application (app.moneymover.com) that delivers a multi-currency account with virtual wallets in 25+ currencies, each with dedicated IBANs, BIC/SWIFT codes and sort codes, alongside FX payments in 30+ currencies, same-currency international payments, and live cross-border payment tracking via SWIFT GPI.
The platform is built on a business-introducer architecture in which Money Mover does not hold a payment or e-money licence itself; all transactional execution, KYC/AML onboarding, client fund safeguarding, and SWIFT payment routing are performed by Currencycloud (FCA FRN 900199 for the UK, CurrencyCloud B.V. under DNB R142701 for EEA clients). Money Mover provides the customer-facing UX, multi-currency wallet orchestration, SWIFT GPI-based payment tracking (Money Mover Locate), ISO 20022 PACS.008 confirmations, and content-led customer engagement. Security is anchored in Currencycloud's ISO/IEC 27001:2013 certification, optional two-factor authentication, segregated client accounts, and GDPR-compliant data handling.
Revenue is generated almost entirely from transaction-based fees: an all-inclusive FX spread of 1.0% (GBP 1,000–10,000 tier), 0.75% (GBP 10,001–100,000), and 0.50% (GBP 100,001+), baked into the exchange rate shown alongside the mid-market rate at execution, plus a GBP 10 fixed fee and 0.25–0.5% volume-based charge on same-currency international payments. Receiving and holding funds in multi-currency wallets is free. The company employs fewer than 50 staff in the UK and fewer than 10 in its wholly-owned Canadian subsidiary, and operates with no disclosed institutional investors or funding rounds since 2017.
Money Mover firmographics
Firmographics- Name
- Money Mover
- Legal name
- MoneyMovr Limited
- Website
- https://moneymover.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Money Mover is a Cambridge-based fintech that provides a web-based multi-currency account and FX/international payments platform for SMEs and individuals making higher-value cross-border payments, executing all transactions through FCA-regulated partner Currencycloud.
- Ownership category
- akta.pro rank
Money Mover industry classification
Industry- Product category
- Cross-Border Payments and Foreign Exchange Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199), Security Brokers, Dealers & Flotation Companies (6211)
- akta.pro primary industry
- Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)
- akta.pro secondary industries
- Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where Money Mover is headquartered
LocationHeadquarters
- HQ city
- Cambridge
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
Money Mover business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Foreign Exchange Transaction Fees: All-inclusive fixed fee charged as a percentage of the transaction size, included within the exchange rate offered. Three-tier structure: 1% for GBP 1,000-10,000; 0.75% for GBP 10,001-100,000; 0.50% for GBP 100,001+. Revenue earned from every transaction booked via the platform through agreements with Regulated Payment Partners.
- Same-Currency International Payment Fees: Fixed fee of GBP 10 per payment (or local equivalent) plus volume-related charge between 0.25% and 0.5% depending on expected monthly volume.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | FX payments: 1% all-inclusive fee for payments between GBP 1,000 and GBP 10,000 |
| Transaction based/ take rate | Pay-as-you-go | FX payments: 0.75% all-inclusive fee for payments between GBP 10,001 and GBP 100,000 |
| Transaction based/ take rate | Pay-as-you-go | FX payments: 0.50% all-inclusive fee for payments of GBP 100,001 or more |
| Freemium | Pay-as-you-go | Multi-currency account details, IBANs and wallets are free |
| Transaction based/ take rate | Pay-as-you-go | Same currency payments: GBP 10 fixed + 0.25%–0.5% volume-related charge |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
Money Mover product offering
Product offeringCore offering
Money Mover provides a cloud-based web application that enables businesses and individuals to make and receive international payments across 30+ currencies without opening foreign currency bank accounts. The platform combines multi-currency wallets with dedicated IBANs, foreign exchange payments with transparent all-inclusive fees, same-currency international payments, and live SWIFT GPI-powered payment tracking. Underlying regulated payment and e-money services are delivered through FCA-authorised Currencycloud, while Money Mover owns the customer-facing UX, onboarding, pricing and support.
Product overview
Money Mover offers a single integrated web application (the Money Mover platform, hosted at app.moneymover.com) that combines a multi-currency account with a portfolio of business-focused international payment features. The core account — the Multi-Currency Account / multi-currency wallets — provides named IBANs in 25+ currencies for receiving, holding, converting, and paying, with funds safeguarded by Currencycloud. Layered on top are core services (Foreign Exchange Payments and Same Currency Payments) and a set of add-on modules: Money Mover Locate (live SWIFT GPI payment tracking), Multiple Recipient Payments, Flexible (same-day & forward) Payments, Rate Alerts & Charting, and Payment Confirmations (MT103 / PACS.008 / PDF). All transactional execution is routed through Currencycloud as the regulated payment partner, while Money Mover provides the customer-facing UX, onboarding, support, and pricing.
Differentiator
Problem solved
Functional benefit
Products and services
- Multi-Currency Account (Multi-currency wallets) Named virtual accounts with dedicated multi-currency IBANs enabling customers to receive, hold, convert and pay in 25+ currencies across 180+ countries. Wallets are free to add and free to hold, with funds safeguarded at a credit institution by FCA-regulated e-money partner Currencycloud. Targeted at SMEs and individuals that need multi-currency working capital without opening foreign currency bank accounts.
- Money Mover Locate (Live Payment Tracking) Live SWIFT GPI-powered payment tracking that shows the real-time status of cross-border payments, the routing banks involved, any fees or deductions applied, and definitive confirmation when funds credit the recipient account. Targeted at SMEs and individuals that need end-to-end visibility of international payments without intermediary bank surprises.
- Foreign Exchange Payments Cross-border FX payment service priced on a three-tier all-inclusive fee model (1% for GBP 1,000-10,000; 0.75% for GBP 10,001-100,000; 0.50% for GBP 100,001+). Live mid-market vs offered rate is shown at execution along with the fee in pounds/pence. Supports payments in 30+ currencies and is targeted at SMEs and individuals making higher-value international transfers.
- Same Currency International Payments International payments executed in the customer's domestic currency where source and destination currencies match, with a fixed fee of GBP 10 (or local equivalent) plus a volume-related charge between 0.25% and 0.5%. Targeted at SMEs paying overseas suppliers, employees or service providers where the currency does not need to be converted.
Quantifiable outcome
- Customer reported 60% reduction in FX fees (Adrian Watson, Geospatial Insight)
- +2 more outcomes
Companies that use Money Mover
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Money Mover technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature9 records
Money Mover partnerships and signals
Strategic signalScale indicators13 records
Recent moves6 records
Expansion highlights5 records
Money Mover competitors and assessment
Company assessmentDirect peers
- Wise: Wise (formerly TransferWise) is the dominant UK-origin cross-border payments and multi-currency account platform for individuals and SMEs. It directly competes with Money Mover on FX pricing transparency, multi-currency IBANs, and SME payment workflows, but at materially larger scale.
- Revolut Business: Revolut Business offers multi-currency accounts, IBANs, and international payments targeted at SMEs and freelancers. It overlaps with Money Mover's core SME value proposition and competes on similar corridors, with a much larger customer base and brand.
- OFX: OFX is a global FX and international payments specialist serving SMEs and mid-market companies with cross-border transfers and FX risk management. It is a direct peer in SME-targeted FX payments, though it skews toward larger ticket sizes than Money Mover.
- Airwallex: Airwallex provides multi-currency business accounts, FX, and cross-border payments for SMEs and digital businesses. It is a direct competitor in the multi-currency IBAN and SME international payments space and is scaling aggressively in the UK and EU.
- Kantox: Kantox is a London-based FX and cross-border payments platform focused on SMEs and mid-market companies, offering multi-currency wallets and dynamic FX hedging. Closely comparable to Money Mover in customer profile and product mix, though with stronger FX risk tooling.
- WorldFirst: WorldFirst (now part of Ant Group) provides multi-currency accounts and international payments for SMEs and跨境 importers/exporters. It is a direct peer for SME FX and cross-border payments in the UK and EU, with deeper China corridor coverage.
Broad incumbents
- Starling Bank: Starling Bank is a UK challenger bank offering business current accounts with multi-currency features. It overlaps with Money Mover on SME banking and payments but as a broader incumbent with deposits, lending, and a full current account rather than a pure FX/payments play.
- Tide: Tide is a UK SMB-focused business current account platform. While not an FX specialist, it competes for the same SME financial-services wallet share and increasingly embeds international payment features relevant to Money Mover's customer base.
- Corpay (formerly Western Union Business Solutions): Corpay is a large incumbent in cross-border payments and FX risk management serving SMEs and mid-market businesses globally. It is a comparable incumbent in the SME international payments space, with deeper FX hedging tools but less transparent SMB pricing.
Others
- Currencycloud: Currencycloud is Money Mover's regulated payment partner but also offers its own white-label and direct cross-border payments infrastructure to fintechs and banks. It is a relevant adjacent/partner peer because shifts in its product strategy directly affect Money Mover's capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Money Mover social profiles
Digital presenceMoney Mover compliance and trust
Trust signalCompliance5 records
Money Mover financial estimates
Financial estimateRevenue estimate
Valuation estimate
Money Mover leadership team
Management profileNumber of profiles
Profiles3 records
Money Mover subsidiaries and ownership
Company hierarchySubsidiaries1 record
Money Mover funding detail
Funding detailFunding overview
Funding rounds4 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Money Mover M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Money Mover
What does Money Mover do?
Money Mover provides a cloud-based web application that enables businesses and individuals to make and receive international payments across 30+ currencies without opening foreign currency bank accounts. The platform combines multi-currency wallets with dedicated IBANs, foreign exchange payments with transparent all-inclusive fees, same-currency international payments, and live SWIFT GPI-powered payment tracking. Underlying regulated payment and e-money services are delivered through FCA-authorised Currencycloud, while Money Mover owns the customer-facing UX, onboarding, pricing and support.
Is Money Mover a public or private company?
Money Mover is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Money Mover founded?
Money Mover was founded in 2014. It employs 11 to 50 people.
Where is Money Mover based?
Money Mover is headquartered in Cambridge, United Kingdom, in the Europe region.
How does Money Mover make money?
Two revenue lines are on record. Foreign Exchange Transaction Fees are the primary driver. The others are same-Currency International Payment Fees.
Who are Money Mover's main competitors?
Direct peers on record are Wise, Revolut Business, OFX, Airwallex, Kantox and WorldFirst. Broad incumbents are Starling Bank, Tide and Corpay (formerly Western Union Business Solutions). Currencycloud is listed as an others.
Does Money Mover have an API?
No public API is recorded for Money Mover.
What industry is Money Mover in?
Money Mover's product category is Cross-Border Payments and Foreign Exchange Platform. Its primary akta.pro industry code is FSAGAAAF, Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P), with a secondary code of FSAMAFAC, Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant). Its NAICS code is 52232 and its SIC code is 6199.