Finance tools for UK businesses
Free, no sign-up calculators and checkers for the everyday jobs in a finance function: validating account details before a payment goes out, converting foreign invoices at the rate HMRC expects, and working out what an exchange rate margin is really costing you. Each tool states its data source and how current the figures are.
IBAN Checker & Validator
Validate any IBAN against the official ISO 13616 MOD-97 checksum, confirm the registered length for its country, and see the bank and account fields broken out. Runs entirely in your browser, so nothing you paste is sent to a server.
Open tool →HMRC Exchange Rates
The official HMRC monthly period rates for every currency, refreshed automatically from the UK Online Trade Tariff. These are the rates HMRC expects on VAT returns, customs declarations and tax filings.
Open tool →FX Calculator & Margin Checker
Work out what an FX margin actually costs you. Compare a typical high-street bank margin against specialist business rates on live mid-market data, and see the difference in pounds on your transfer size.
Open tool →Payment Timing Calculator
Work out when a BACS, CHAPS, Faster Payments, SEPA or SWIFT payment actually lands. Counts working days on the right calendar, applies the scheme cut-offs, and knows both the UK bank holidays and the separate TARGET2 closing days for euro payments.
Open tool →Payment Cost Calculator
Estimate the all-in cost of an international payment across different rails and providers, including transfer fees and the FX margin, so you can compare SEPA, SWIFT and Faster Payments on a like-for-like basis.
Open tool →Looking for background rather than a calculation? Our guides and comparisons cover the UK and European payment rails in depth, including BACS, SEPA and SWIFT.