Resources
Guides, how-tos, and comparisons for UK finance teams.
Plain-English editorial on business banking, payment rails, multi-currency accounts, and payroll infrastructure. Written for people who need to make decisions, not just understand concepts.
Comprehensive guides
Reference guides
Payment rails
SEPA Payments: Complete Guide
Credit transfers, direct debits, Brexit implications, and how to automate SEPA payment processing.
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Payment rails
BACS Payments: Practical Guide
Direct Credits, Direct Debits, Standard 18 files, SUN rental, and BACS service days explained.
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Payment rails
SWIFT Payments Guide
MT103, gpi tracking, correspondent banking, fees and timings for global wire transfers.
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Cross-border
Cross-Border Payments Guide
Choosing between SEPA, SWIFT, and local rails for UK companies trading internationally.
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Banking
UK Business Banking: Complete Guide
Everything you need to know about UK business accounts — sorting, comparison, and switching.
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Banking
Digital Business Banking Guide
How challenger banks and e-money institutions compare to traditional business banking.
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Multi-currency
Multi-Currency Account Guide
How to choose, set up, and manage a multi-currency business account for international trade.
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Regulation
FCA-Regulated Banking Guide
What FCA authorisation means for payment institutions, e-money firms, and your fund safety.
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Payroll
Global Payroll Solutions Guide
Infrastructure options for UK payroll teams managing international contractors and employees.
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Payments
International Payment Solutions
Comparing platforms and rails for UK businesses with regular cross-border payment flows.
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Step-by-step
How-to tutorials
Payroll
How to Automate Payroll Payments
Step-by-step: SEPA, BACS, and API-driven payroll automation for UK payroll teams.
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API
How to Integrate a Payment API
Connecting a payment API to your platform: authentication, webhooks, error handling.
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Multi-currency
How to Manage Multiple Currencies
Practical workflow for holding, converting, and reporting on multi-currency positions.
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Onboarding
How to Open a UK Business Account Fast
Documents needed, typical timelines, and what to do if onboarding stalls.
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Cost reduction
How to Reduce International Payment Costs
Practical steps to cut FX fees, correspondent charges, and platform conversion costs.
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Setup
How to Set Up a Multi-Currency Account
Choosing wallets, configuring IBANs, and connecting to accounting software.
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Side-by-side
Comparisons
Comparison
UK Business Banking Comparison
Gemba vs Wise, Revolut, Starling, Tide, and Airwallex — features, pricing, and best-fit scenarios.
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Comparison
Traditional vs Digital Banking
High-street banks vs challenger banks and e-money institutions for UK SMEs.
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Alternative
Wise Business Alternative
When Gemba fits better than Wise Business, and when it doesn't. Honest assessment.
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Alternative
Revolut Business Alternative
Gemba vs Revolut Business: virtual IBANs, payment rails, and use-case fit.
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Interactive tools
Calculators
FX Calculator
FX Cost Calculator
Compare foreign exchange costs across providers. Enter a currency pair and amount to see how much you keep at Gemba rates vs high-street bank rates.
Open FX calculator
Payment cost
Payment Cost Calculator
Estimate the all-in cost of an international payment across different rails and providers — SEPA, SWIFT, Faster Payments.
Open cost calculator