Name

Clear Capital Exchange

Legal name

Clear Capital Exchange Limited

Website

https://clearcapital-ex.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Foreign Exchange Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

A2A Cross-Border & FX via Open Banking (FSAMAFAK)

akta.pro secondary industries

A2A Reconciliation, Reporting & Treasury Ops (FSAMAFAJ), Cross-Border FX, Multi-currency Settlement & Dynamic Currency Conversion (THACAJAF)

Keywords

• Currency exchange services
• International money transfers
• Foreign exchange trading
• Multi-currency accounts
• Currency risk management

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Foreign Exchange Transaction Fees: Clear Capital Exchange generates revenue through foreign exchange transaction fees and competitive exchange rate margins. Clients pay for international money transfers with rates that include a markup over interbank rates. The company operates as an intermediary connecting clients with FCA-regulated partner platforms (Ebury, GC Partners, Currency Cloud) for execution.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Clear Capital Exchange provides currency exchange and international payment services across 130+ currencies, including spot payments, multi-currency VIBAN accounts, forward contracts, and automated limit orders and stop losses. The firm serves both personal clients (property transfers, remittances, wage repatriation) and business clients (international supplier payments, currency risk hedging) through a hybrid model combining an online platform with dedicated account managers. Execution is routed through FCA-regulated institutional partners including Ebury Partners, GC Partners, Currency Cloud, and Visa.

Product overview

Clear Capital Exchange operates as a unified currency exchange and international payments platform serving both personal and business customers. The product portfolio centers on core currency exchange services including Spot Payments, Multi-Currency Accounts with Virtual IBANs, Forward Contracts, and Limit Orders & Stop Losses, complemented by value-added services such as Rate Alerts, Market Analysis, and Business Finance Solutions offered through partners. The platform supports exchange in 130+ currencies and provides additional services for real estate investments, foreign investments, and overseas worker support. Underlying payment services are delivered through FCA-regulated partners including Ebury Partners UK Ltd, Global Currency Exchange Network Ltd, The Currency Cloud Limited, and Visa Global Services Inc.

Differentiator

Problem solved

Functional benefit

Products and services

• Spot Payments Currency exchange service that locks in the current exchange rate and settles payment within two working days, designed for businesses or individuals securing rates for immediate or near-future transactions.
• Multi-Currency Accounts Virtual IBAN accounts enabling seamless global transactions in over 40 currencies, allowing businesses to receive international payments from customers, marketplaces, and suppliers without maintaining multiple local accounts.
• Forward Contracts Currency risk protection product that secures an exchange rate for up to three years, allowing businesses to budget future foreign currency obligations such as stock purchases or international invoices.
• Limit Orders & Stop Losses Automated 24/7 market monitoring tools that execute trades when target exchange rates are reached, enabling clients to lock in favorable rates without manual intervention.
• Personal Exchange Services Tailored currency exchange solutions for personal needs including property transfers abroad, international money transfers to family, foreign investments, and wage repatriation for overseas workers.
• Business Finance Solutions Partner-provided business financing assistance covering expansion funding, acquisitions, and debt consolidation, with support reviewing options, pricing, and deal structure across the debt finance marketplace (delivered via sister site ClearCapitalFin.com).

Quantifiable outcome

• Turnover of £6bn across the group indicating significant transaction volume

Named customers6 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Ebury Partners UK LtdcoreTechnology or IntegrationEbury Partners UK Ltd provides payment services and foreign currency exchange for Clear Capital Exchange clients. Ebury is an Authorised Electronic Money Institution regulated by the FCA (Reference Number: 900797). They facilitate FX spots and EX forwards for commercial payment purposes.
• Global Currency Exchange Network Ltd (GC Partners)coreTechnology or IntegrationGC Partners provides payment services and is authorized by the FCA under the Payment Services Regulations 2017 (ERN 504346). They are also regulated by HMRC as a Money Services Business for anti-money laundering compliance.
• The Currency Cloud LimitedcoreTechnology or IntegrationCurrency Cloud provides electronic money and payment services for Clear Capital Exchange. They are authorized by the FCA under the Electronic Money Regulations 2011 (FRN: 900199) and enable multi-currency account capabilities.
• CurrencyCloud B.V.coreTechnology or IntegrationCurrencyCloud B.V. provides e-money issuance and payment services for Clear Capital Exchange clients in the European Economic Area. Based in Amsterdam, licensed by De Nederlandsche Bank as an Electronic Money Institution.
• Visa Global Services Inc.coreTechnology or IntegrationVisa Global Services Inc. provides payment services in the United States for Clear Capital Exchange. VGSI is a licensed money transmitter (NMLS ID 181032), registered MSB with FinCEN, and registered Foreign MSB with FINTRAC.
• ClearCapitalFin.com (Business Finance)minorGTM or Marketing PartnerBusiness finance solutions are referred to ClearCapitalFin.com, a sister company providing access to the broader debt finance marketplace including funding for expansion, acquisitions, and debt consolidation.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• OFX: OFX is a global FX and international payments specialist serving both individuals and businesses with spot transfers, forward contracts, and limit orders. It mirrors Clear Capital's hybrid self-serve-plus-dealer model and similar use-case set including property and overseas-worker transactions.
• TorFX: TorFX is a UK-based FX broker serving personal and business clients with international payments, forward contracts, and dedicated account managers. Closely aligned to Clear Capital Exchange on geography, target segments, and the personalized-dealer service model.
• WorldRemit: WorldRemit is a digital remittances platform focused on cross-border transfers from high-income countries to emerging markets. It directly competes with Clear Capital's overseas-worker and personal transfer segments with a fully digital, app-led experience.
• Wise: Wise is a leading UK-based cross-border payments platform offering multi-currency accounts and international transfers for both individuals and businesses. It competes directly with Clear Capital Exchange in spot FX and multi-currency account services, though at vastly greater scale and with proprietary infrastructure rather than partner-based execution.

Broad incumbents

• Revolut: Revolut is a UK-headquartered digital banking super-app offering multi-currency accounts, FX transfers, and business accounts alongside a much broader product suite. It competes for the same personal and SMB FX and cross-border payment use cases as Clear Capital, but as part of a much wider financial services portfolio.
• Western Union Business Solutions: Western Union's business solutions division provides international payments and FX risk management for corporates and SMEs, including forward contracts and limit orders. It competes in the same business FX and treasury use cases as Clear Capital but as part of a much larger global remittance and payments franchise.
• MoneyGram: MoneyGram is a global money transfer and payments company with both retail and digital channels. It overlaps with Clear Capital in personal international money transfers and remittances, though at far larger scale and as part of a broader retail network.

Emerging players

• Remitly: Remitly is a digital-first remittance platform focused on cross-border transfers from developed markets. It competes for Clear Capital's overseas-worker personal transfer use case with a mobile-first, no-dealer experience — meaningful overlap but distinct delivery model.

Others

• Ebury: Ebury Partners is an FCA-authorised electronic money institution providing FX and payment services to businesses. It is a core execution partner for Clear Capital Exchange's spot and forward FX transactions rather than a direct competitor, but operates similar FX brokerage services directly for larger clients.
• Currencycloud (Visa): Currencycloud, now part of Visa, is the B2B cross-border payments infrastructure provider that powers Clear Capital Exchange's multi-currency VIBAN capabilities. As an underlying technology partner rather than direct competitor, it shapes the cost and feature set Clear Capital can offer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/clear-capital-exchange

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clear Capital Exchange