A small, independent site that writes plain-English guides to UK B2B banking and helps finance teams onboard onto Gemba — an FCA-authorised payment institution (FRN 804853). We'll also tell you when Gemba isn't the right fit.
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Three things most UK SMEs come to us for. Each card links to a full guide — pricing, setup time, gotchas, and when to choose something else.
One Gemba account holds GBP, EUR, USD and 13 other currencies. Dedicated IBANs for GBP, EUR and USD, plus unlimited virtual IBANs for segregated client funds.
FPS, BACS, CHAPS for UK. SEPA SCT and SDD for EUR. SWIFT for everything else. No second provider needed for Wise-style EUR transfers or a BACS arrangement.
Pay contractors and employees in 60+ currencies from one account. Reconcile to a single GL line in Xero or Sage. Useful for UK payroll bureaus bolting on international runs.
| Code | Currency | Local rails | FX vs mid |
|---|---|---|---|
| GBP | Pound Sterling | FPS · BACS · CHAPS | — |
| EUR | Euro | SEPA SCT · Inst · TARGET2 | +0.35% |
| USD | US Dollar | SWIFT MT103 · Fedwire | +0.35% |
| CHF | Swiss Franc | SIC · SWIFT | +0.55% |
| AUD | Australian Dollar | NPP · SWIFT | +0.55% |
| JPY | Japanese Yen | Zengin · SWIFT | +0.55% |
| CAD | Canadian Dollar | SWIFT · EFT | +0.55% |
| SGD | Singapore Dollar | FAST · SWIFT | +0.55% |
Most readers come from one of four kinds of UK business. The onboarding conversation is different for each.
Guides and how-tos on UK rails, cross-border payouts, virtual IBAN mechanics and the Gemba alternative question.
A rail-level comparison of Gemba, Starling, Tide, Wise and Revolut Business — with the cases where each one bites.
Reroute USD supplier payments from high-street SWIFT to a held USD balance. Same arrival time, significantly lower cost.
Why payroll bureaus need them, when they count as client-money, and what the FCA says when they don't.