Multi-Currency · Gemba via financeb2b
Sixteen currency wallets. One account. No forced conversions.
Hold GBP, EUR, USD, CAD, AUD, CHF and ten more. Receive like a local in each currency. Convert only when you choose, at 0.70–0.90% over mid-rate.
16
currencies supported
0.70%
from FX spread (vs 2–3% high street)
∞
virtual IBANs per wallet
150+
send destinations
§ 01 — Supported currencies
Which currencies and what you can do with each
Not all currencies are equal. GBP and EUR have full account functionality including dedicated IBANs and direct debit. USD and others support send/receive but with fewer local payment rails.
GBP
British Pound
Sort code + Acct No · FPS · BACS · CHAPS
EUR
Euro
IBAN · SEPA CT · SCT Inst · SDD
USD
US Dollar
Routing + Acct No · ACH · Fedwire
CAD
Canadian Dollar
Hold + Send · SWIFT out
AUD
Australian Dollar
Hold + Send · SWIFT out
CHF
Swiss Franc
Hold + Send · SWIFT out
SEK
Swedish Krona
Hold + Send · SWIFT out
NOK
Norwegian Krone
Hold + Send · SWIFT out
DKK
Danish Krone
Hold + Send · SWIFT out
PLN
Polish Złoty
Hold + Send · SWIFT out
HUF
Hungarian Forint
Hold + Send · SWIFT out
CZK
Czech Koruna
Hold + Send · SWIFT out
HKD
Hong Kong Dollar
Hold + Send · SWIFT out
SGD
Singapore Dollar
Hold + Send · SWIFT out
JPY
Japanese Yen
Hold + Send · SWIFT out
NZD
New Zealand Dollar
Hold + Send · SWIFT out
§ 02 — FX pricing
What 0.70% actually costs compared to alternatives
Illustrative GBP→EUR conversion of £10,000 at mid-rate of 1.1700. Competitor rates are typical published rates as of April 2025 — verify current rates before choosing.
High-street bank (typical)
1.1230
effective rate on £10,000
Receive: €11,230
Cost vs mid: ~€239 (2.0% spread)
Some banks add an additional fixed transfer fee of £10–£25. Card payments may use a worse rate.
Cost vs mid: ~€239 (2.0% spread)
Some banks add an additional fixed transfer fee of £10–£25. Card payments may use a worse rate.
Gemba via financeb2b
1.1618
effective rate on £10,000
Receive: €11,618
Cost vs mid: ~€82 (0.70% spread)
No fixed transfer fee. Rate quoted at conversion. Volume-based pricing available for £500k+/month.
Cost vs mid: ~€82 (0.70% spread)
No fixed transfer fee. Rate quoted at conversion. Volume-based pricing available for £500k+/month.
Specialist FX broker (large volume)
1.1653
effective rate on £10,000
Receive: €11,653
Cost vs mid: ~€47 (0.40% spread)
Best rates require negotiation, account minimums, and dedicated relationship manager. For £1M+/month.
Cost vs mid: ~€47 (0.40% spread)
Best rates require negotiation, account minimums, and dedicated relationship manager. For £1M+/month.
Exchange rates are illustrative. Actual rates vary by market conditions, time, and volume. Contact us for a current quote.
§ 03 — Account functionality
Multi-currency account features
| Feature | Availability | Detail |
|---|---|---|
| Receiving Funds | ||
Dedicated GBP account |
✓ Full UK account | Sort code + account number. Receive via Faster Payments, BACS, CHAPS. Appears as a local UK account to payers. |
Dedicated EUR IBAN |
✓ Full SEPA account | GB-format IBAN. Receive SEPA Credit Transfers and SCT Inst. Some SEPA payers may reject non-local IBANs (IBAN discrimination, technically prohibited but still occurs). |
USD routing number |
✓ US ACH/wire | Receive ACH credits and Fedwire. Useful for US marketplace payouts (Amazon, eBay US) without converting at point of receipt. |
Virtual IBANs for receiving |
✓ Unlimited | Unique GBP or EUR account details per customer, project, or entity. Each inbound payment is tagged with the vIBAN identifier for automated reconciliation. |
| Sending Funds | ||
UK domestic (FPS, BACS, CHAPS) |
✓ All rails | From GBP wallet. Instant via FPS. BACS batch. CHAPS for high-value same-day. |
SEPA (CT and SCT Inst) |
✓ D+1 / instant | From EUR wallet. Standard SEPA D+1. SCT Inst near-instant where recipient's bank supports it. |
SWIFT to 150+ countries |
✓ 1–4 days | MT103 with SWIFT gpi tracking. OUR / SHA / BEN charge options. Multiple currency pairs. |
| Converting Funds | ||
Spot conversion |
✓ 0.70–0.90% | Instant conversion between any two supported currencies. Rate displayed and confirmed before execution. |
Forward contracts |
On request | Contact financeb2b to enquire about forward rates for large or recurring conversions. Not available as a self-serve dashboard feature. |
§ 04 — What to know first
Three things the feature page won't tell you
01
IBAN discrimination is real
EU regulations prohibit rejecting SEPA payments to non-local-format IBANs. But in practice, some European businesses (especially smaller German and Dutch firms) still configure their systems to reject non-DE or non-NL IBANs. Your GB-format IBAN is legally valid everywhere in the SEPA zone, but occasionally you'll need to explain this to a supplier's finance team. It's rare but worth knowing if you have European trade.
02
Correspondent fees on SWIFT
When you pay with OUR charges (you cover all fees), Gemba's quoted fee covers their leg. But the recipient bank's correspondent chain may apply its own deductions. The beneficiary sometimes receives slightly less than sent. SHA charges (split between sender and recipient) are the more common arrangement. Check with your recipient if exact amounts matter — this is an industry-wide SWIFT dynamic, not specific to Gemba.
03
FX spread varies by volume
The published 0.70–0.90% is the retail-tier spread. At £500k+/month conversion volume, pricing is negotiable. At £5M+/month, you're in territory where a dedicated FX broker with a tighter spread may make sense alongside Gemba. Don't assume the published rate is permanent — ask what tier you'll be at once you've run for 3 months and have transaction history to reference.
Open a multi-currency account today.
Hold, send, and receive in 16 currencies from one Gemba account.