Resources
Guides and how-tos.
Plain-English editorial on UK business banking, payment rails, multi-currency accounts, and payroll infrastructure — written for finance teams who need to make decisions. Comparisons, tools and our original research each have their own section.
In-depth
Reference guides
Rails
BACS payments guide
The three-day cycle, Direct Credits, SUN sponsorship and automation.
Rails
CHAPS payments guide
Same-day high-value sterling: cut-offs, fees and settlement finality.
Rails
Direct Debit guide
Collecting by Direct Debit: SUN, advance notice, AUDDIS and returns.
Rails
Bacs bureau guide
When bureau approval is mandatory, what inspection involves, and how to choose one.
Rails
Cross-border payments guide
Choosing between SEPA, SWIFT and local rails for international trade.
Banking
Digital business banking guide
How challenger banks and e-money firms compare to the high street.
Currency
Multi-currency account guide
Choosing and running a multi-currency business account.
Banking
FCA regulation guide
What FCA authorisation means for your money and how safeguarding works.
Rails
International payment solutions
Comparing platforms and rails for regular cross-border flows.
Step-by-step
How-to tutorials
Payroll
How to automate payroll payments
SEPA, BACS and API-driven payroll automation, step by step.
Banking
How to open a UK business account fast
Documents, timelines and what to do when onboarding stalls.
Currency
How to reduce international payment costs
Practical steps to cut FX margins and correspondent charges.
Currency
How to manage multiple currencies
A working routine for holding, converting and reporting balances.
Currency
How to set up a multi-currency account
Wallets, IBANs and connecting your accounting software.
Rails
How to integrate a payment API
Authentication, webhooks and error handling for payment APIs.
Elsewhere
Not what you were looking for?
Research
Original research
Our own analyses of official UK data on business payments, with the tests that separate real movement from bookkeeping.
Tools
Free tools and calculators
Account and IBAN validation, payment timing, transfer costs and the official HMRC monthly rates.
Scenarios
Case studies
Worked scenarios rather than testimonials: what actually changes operationally for a payroll bureau and for an online seller taking payouts in several currencies.
Compare
Comparisons
Banking providers, account models and official registers, side by side — with our position disclosed.