Centtrip
Centtrip is a UK FCA-authorised fintech providing multi-currency treasury accounts, high-limit prepaid cards, FX, and expense management to internationally mobile enterprises in marine, music, film, aviation, arts, and broader enterprise verticals.
- Company typePrivate
- Founded2013
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Centtrip does
Centtrip is a UK-based B2B fintech, founded in 2013 and headquartered at 9 Noel Street, London, that provides real-time multi-currency treasury and payment solutions for internationally mobile, high-spending organisations. The company is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (FRN 900717), with its Prepaid Mastercard issued by Prepaid Financial Services Ltd and Adyen N.V. under Mastercard licences.
The core platform centres on a multi-currency account supporting 15 currencies in unlimited amounts, paired with what the company describes as the highest-limit multi-currency prepaid card on the market — up to £350,000 balance, £150,000 single transaction and £4,000 daily ATM withdrawal, accepted in 210+ countries. Complementary capabilities include foreign exchange across 140 currencies at live-market rates with forward contracts, real-time reporting via web and mobile apps, batch payments with spreadsheet upload, expense management with mobile receipt capture, and a public REST API (OAuth2-authenticated) supporting integrations with accounting systems such as Xero. The product is packaged into vertical-specific solutions for Marine/Yacht, Music, Film & TV, Aviation, The Arts and Enterprise, with deep integrations into yacht management software platforms such as Aquator Marine and DEEP Blue Soft.
Commercially, Centtrip monetises through a hybrid of transaction fees (FX margins, card issuance and processing, international payments via SWIFT/SEPA/Faster Payments) and recurring account fees, with custom enterprise pricing and no publicly disclosed tiers. Go-to-market is relationship-led and event-driven (Monaco Yacht Show, FLIBS, Cannes), targeting super-niche verticals through dedicated account managers and FX consultants rather than mass-market acquisition. The leadership team includes CEO Jane Turner, COO Jim Warner, CFO Ronny Munster, CTO Viet Lee, Marketing Director Stephanie Boukhari, and Director of Marine Ben Thorne.
Centtrip firmographics
Firmographics- Name
- Centtrip
- Legal name
- Centtrip Limited
- Website
- https://centtrip.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Centtrip is a UK FCA-authorised fintech providing multi-currency treasury accounts, high-limit prepaid cards, FX, and expense management to internationally mobile enterprises in marine, music, film, aviation, arts, and broader enterprise verticals.
- Ownership category
- akta.pro rank
Centtrip industry classification
Industry- Product category
- Multi-Currency Treasury Management
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)
- akta.pro secondary industries
- Cross-Border Payments & FX (multi-currency wallets, DCC, remittance) (THALAHAE), Cross-Border Card-Based Transfers & Multi-Currency Cards (FSAGAKAE), Travel Money Cards & Multi-Currency Prepaid (FSAMANAI)
Keywords
Where Centtrip is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Centtrip business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Multi-Currency Account Services: Fees for multi-currency account management, potentially including monthly or annual account fees with tailored pricing structures for enterprise clients.
- Foreign Exchange Margins: Revenue generated from FX conversions with competitive fixed fees. Avoids the 2-5% margin banks typically levy over live-market rates.
- Card Services: Revenue from prepaid Mastercard services including card issuance and transaction processing fees.
- International Payments: Fees for domestic and international payment processing via SWIFT, SEPA, Faster Payments and other networks. Payments between Centtrip accounts are instant and fee-free.
- Forward Contracts and FX Advisory: Revenue from currency hedging products and FX consulting services for managing exchange rate risk.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Annual | Enterprise pricing - customized fee structure |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels9 records
Centtrip product offering
Product offeringCore offering
Centtrip is an FCA-authorised Electronic Money Institution that provides a multi-currency treasury management platform for internationally mobile businesses. Its core offering combines a multi-currency account holding up to 15 currencies, a high-limit Centtrip Prepaid Mastercard, foreign exchange across 140 currencies, domestic and international payments, and real-time reporting, all accessed via web, mobile app, and REST API.
Product overview
Centtrip is a B2B fintech platform providing treasury and payment solutions for internationally mobile businesses. The core offering consists of a multi-currency account platform with 15 currency support, the Centtrip Prepaid Mastercard (with industry-leading limits up to £350,000 balance and £150,000 per transaction), and a mobile app with real-time reporting. These are complemented by Expenses Management, Transfers & Payments, and Foreign Exchange services. The platform offers sector-specific solutions for Marine/Yachts (including APA management), Aviation, Music, Film & TV, and Enterprise clients. All services are accessible via REST API for system integration.
Differentiator
Problem solved
Functional benefit
Products and services
- Multi-Currency Account A multi-currency treasury account enabling businesses to deposit and manage 15 major currencies in unlimited amounts from a single account, with domestic and international payments, multi-tiered permissions, multi-account structures, and real-time reporting. Designed for internationally mobile organisations.
- Centtrip Prepaid Mastercard The highest-limit multi-currency prepaid card on the market, allowing up to £350,000 in 15 currencies on a single card, single transaction limit up to £150,000, ATM withdrawals up to £4,000 daily from 2.1 million ATMs worldwide, and acceptance in 210+ countries.
- Transfers & Payments Domestic and international payment processing supporting single payments, batch payments via spreadsheet upload, and CenttripNow instant fee-free payments between Centtrip accounts. Supports SWIFT, SEPA, and Faster Payments networks.
- Foreign Exchange (FX) Foreign exchange service providing spot, same-day, and forward currency trades in up to 140 currencies at live-market rates with competitive fixed fees, plus forward currency contracts for FX risk management. Accessible online, via mobile app, or through FX experts.
- Centtrip API Public REST API (v1 and v2) with OAuth2 and ApiKey authentication for account management, card operations, corporate labels, card-to-account transfers, and payments. Includes sandbox and production environments and supports multi-currency operations (USD, CAD, EUR, GBP) with batch and real-time transaction data.
- Centtrip App Award-winning iOS and Android mobile application providing account management, instant card lock/unlock, fund transfers, mobile receipt capture, real-time alerts, and multi-currency management on the go.
- Marine/Yacht Solution Vertical solution for superyachts, charter management companies and yacht brokers (including Edmiston, Bluewater, Burgess, Fraser, Northrop & Johnson). Supports Advance Provisioning Allowance (APA) tracking, multi-currency expenses, crew payroll, and real-time visibility for owners and management companies.
- Aviation Solution Multi-currency treasury management for private aviation charter and management companies (e.g., Air CM, Global Airways, Hifly), handling deposits, global payments, FX, and crew expenses with high-limit cards and 24/7 support.
- Music Solution Financial services for touring music acts, road crews, record labels, and production companies managing international payments, per diems, and multi-currency expenses for globally touring parties. Supports nearly 500 of the world's biggest touring artists.
- Film & TV Solution
Quantifiable outcome
- Half-day per week saved on cash-handling for film production per diems
- +3 more outcomes
Companies that use Centtrip
Customer profileNamed customers8 records
Segments6 records
Ideal customer profiles6 records
Centtrip technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature10 records
Centtrip partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- RoyFiminorPartnership to enhance artists' financial flexibility. RoyFi focuses on providing financial tools for artists in the music industry, and the partnership extends Centtrip's reach into this segment.
- Music Technology UKminorCenttrip joined as a member of Music Technology UK, a new industry association, bringing fintech perspective to the association's members.
- Aquator MarinecoreStrategic partnership and API integration with Singapore-based yacht management software provider. Centtrip's FX, multi-currency expenses, payments and cashflows complement Aquator's operational solutions. Enables customers to integrate payments and financial management across all aspects of yacht operations, drive operational efficiency, and access real-time financial data and analytics.
- DEEP Blue SoftcoreStrategic partnership with leading yacht management software provider (celebrating 10 years in the industry). Integration of Centtrip's Finance module within DEEP Blue platform allows users to see all Centtrip card transactions in DEEP Blue and send payments direct from DEEP Blue processed by Centtrip. Both companies support some of the world's largest yachts and have many vessels and management company clients in common.
- Prepaid Financial Services Ltd (PFSL)corePFSL issues the Centtrip Prepaid Mastercard pursuant to licence from Mastercard International Incorporated. PFSL is an FCA-authorized Electronic Money Institution (FCA registration number 900036). Provides card issuance infrastructure and Mastercard network access.
- Adyen N.V.coreAdyen issues the Centtrip Prepaid Mastercard pursuant to licence from Mastercard. Adyen is a regulated bank licensed by the European Central Bank and supervised by the Dutch Central Bank. Provides card issuance infrastructure and banking rails.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Centtrip competitors and assessment
Company assessmentBroad incumbents
- Starling Bank: Starling Bank offers UK business banking with multi-currency accounts and spending tools, a broader incumbent alternative that overlaps with Centtrip's enterprise banking proposition for UK-based clients.
Direct peers
- Pleo: Pleo issues corporate cards and expense management software for businesses, overlapping Centtrip's expense management and corporate card offering for travel-heavy teams.
- Revolut Business: Revolut Business offers multi-currency accounts, FX, expense management, and corporate cards for SMEs and enterprises, increasingly moving upmarket into the high-spend verticals Centtrip serves.
- Emburse: Emburse provides corporate cards, expense management, and AP automation for businesses with mobile workforces — closely aligned with Centtrip's expense management and corporate card proposition.
- Currencycloud: Currencycloud (a Visa-owned business) provides cross-border payments infrastructure and FX, comparable to Centtrip's international payments and FX service offering for SMEs and platforms.
- Wise (formerly TransferWise): Wise Business offers multi-currency accounts and cross-border payments to globally mobile businesses, directly overlapping Centtrip's core multi-currency account and FX proposition for SMEs and enterprise clients.
- Airwallex: Airwallex provides global business accounts, multi-currency wallets, FX, and corporate cards for internationally mobile companies, competing head-to-head with Centtrip in multi-currency treasury and cross-border payments.
- PEX Card: PEX issues prepaid Visa cards with expense controls for businesses and non-profits, with comparable functionality to Centtrip's prepaid Mastercard in the higher-balance corporate spend segment.
- Soldo: Soldo delivers multi-currency prepaid business cards, expense management, and spending controls for European companies — directly comparable to Centtrip's prepaid Mastercard and expense product.
Emerging players
- WeTravel: WeTravel provides payment solutions purpose-built for the travel industry (tours, group trips, travel businesses), intersecting with Centtrip's music touring and travel-heavy vertical focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Centtrip social profiles
Digital presenceCenttrip compliance and trust
Trust signalCompliance1 record
Centtrip financial estimates
Financial estimateRevenue estimate
Valuation estimate
Centtrip leadership team
Management profileNumber of profiles
Profiles4 records
Centtrip funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Centtrip 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 Centtrip
What does Centtrip do?
Centtrip is an FCA-authorised Electronic Money Institution that provides a multi-currency treasury management platform for internationally mobile businesses. Its core offering combines a multi-currency account holding up to 15 currencies, a high-limit Centtrip Prepaid Mastercard, foreign exchange across 140 currencies, domestic and international payments, and real-time reporting, all accessed via web, mobile app, and REST API.
Is Centtrip a public or private company?
Centtrip is a private company. It is classified as unknown and is currently operating.
When was Centtrip founded?
Centtrip was founded in 2013. It employs 11 to 50 people.
Where is Centtrip based?
Centtrip is headquartered in London, United Kingdom, in the Europe region.
How does Centtrip make money?
Five revenue lines are on record. Multi-Currency Account Services are the primary driver. The others are foreign Exchange Margins, card Services, international Payments and forward Contracts and FX Advisory.
Who are Centtrip's main competitors?
Starling Bank is listed as a broad incumbent. Direct peers are Pleo, Revolut Business, Emburse, Currencycloud, Wise (formerly TransferWise), Airwallex, PEX Card and Soldo. WeTravel is listed as an emerging player.
Does Centtrip have an API?
Yes. Centtrip offers a public REST API (v1 and v2) for account management, card management, payments, corporate labels, and card transfers. The API supports OAuth2 and ApiKey authentication methods. Available endpoints include: Account (get accounts, balances, transactions, documents, references), Card (get cards, balances, transactions, documents, references, notes), Corporate Labels (CRUD for label groups and labels), Card Transfers (transfer funds between cards and accounts), and Payments (create payments with recipients). Provides sandbox and production environments with URLs api-qa.centtrip.com and api.centtrip.com respectively. Supports multi-currency operations (USD, CAD, EUR, GBP) with capabilities for batch operations and real-time transaction data. Developer documentation is at www.centtrip.com/documentation/api.
What industry is Centtrip in?
Centtrip's product category is Multi-Currency Treasury Management. Its primary akta.pro industry code is FSAMAIAG, Multi-Currency Accounts, Wallets & IBAN Services, with a secondary code of THALAHAE, Cross-Border Payments & FX (multi-currency wallets, DCC, remittance). Its NAICS code is 522320 and its SIC code is 6199.