# Ebury

> Ebury is a global fintech platform specializing in international payments, foreign exchange (FX), and working capital solutions for businesses. Majority-owned by Banco Santander, Ebury enables companies to pay, collect, hedge, and finance across borders through a single platform.

## Company Overview

Ebury provides global accounts built for ambitious businesses, helping them grow internationally through a unified platform. The company operates across 30+ regulated markets with 50+ offices and 2,000+ multilingual experts, serving growing businesses, enterprises, and institutions.

- **Headquarters:** London, United Kingdom
- **Parent Company:** Majority-owned by Banco Santander
- **Reach:** 160+ countries, 140+ currencies supported
- **Offices:** 50+ locations globally
- **Regulated Markets:** 30+

## Products

### Business Accounts
- Send, manage, and receive global money
- Multi-currency accounts in 29+ currencies across 20+ countries
- Local collection accounts in 30+ countries
- Same-day cross-border transfers
- Mass payments and batch processing
- Corporate cards (virtual and physical) with multi-currency support
- Real-time subsidiary transfers with zero charges
- Custom approval workflows

### Hedge (FX Risk Management)
- Spot FX and limit orders
- Forward contracts (1 week to 10 years)
- Options contracts
- Non-Deliverable Forwards (NDFs)
- Hedging policy automation with performance tracking
- Unified dashboard for monitoring currency exposure
- Coverage across 60+ currencies (APAC, Europe, LATAM, MENA, North America, Sub-Saharan Africa)

### Financing
- Supplier Payment Finance
- Credit lines from £50,000 to £5 million
- Repayment terms up to 150 days
- No setup costs, no hidden fees, no early repayment charges
- Unsecured (no security required)
- Eligibility: £1M+ revenue, £100K+ tangible net worth, 2+ years trading history
- Integration with hedging solutions for FX risk during repayment

### Connect (APIs & Integrations)
- Business APIs for payments, cash management, hedging, and reconciliation
- Software integrations with 30+ tools (NetSuite, Xero, SAP, Sage, Oracle, Odoo)
- Embedded finance capabilities (white-label, affiliate solutions)
- Webhooks for real-time event notifications
- OAuth2 authentication, DDoS protection
- 99.9% uptime, 24/7 availability
- Backward-compatible APIs

## Solutions by Company Size

### Growing Businesses
- Global expansion with local and multi-currency accounts
- Competitive exchange rates
- Direct accounting software integrations
- Customized currency risk management strategies
- Corporate card spending control

### Enterprise
- Multi-entity treasury consolidation
- Instant fee-free inter-entity fund transfers
- Treasury management system integration (Cobase, Kyriba, Sage)
- Sophisticated hedging strategies with unified dashboard
- Role-based access and custom approval workflows
- Real-time cash visibility across all entities and currencies

### Institutions
- Private markets ecosystem (PE, private credit, infrastructure, VC funds)
- SPVs and securitizations
- Family offices, endowments, high-net-worth investors
- IBAN accounts across major fund jurisdictions (Luxembourg, Singapore, Netherlands, UK, USA, Hong Kong, Ireland)
- Escrow and paymaster services
- NAV and capital call financing connections
- 2-week onboarding timeline
- Sub-accounts, pledging, blocking certificates

## Solutions by Industry

### Charities & NGOs
- Payments in 140+ currencies across Asia, Africa, and Latin America
- Local donation collection in 11+ currencies
- FX hedging for 60+ currencies to protect donation value
- Pre-funding solutions for swift fund deployment

### E-commerce
- Marketplace collections (Amazon and others)
- Like-for-like settlement eliminating FX fees
- Local collections in 14+ currencies
- MT940 statement downloads for reconciliation
- Supplier payment finance for working capital

### Maritime
- Dedicated multi-currency accounts per vessel, payroll, office, or customer
- Exchange rate locking for up to 10 years across 60+ currencies
- Batch uploads, API integrations, and SFTP file transfers
- 99.9% payment precision
- Multi-currency Mastercards for crew/team spending

### Travel
- OTAs & Marketplaces: Local booking collection in 35 countries
- Bedbanks: Unlimited virtual cards in 20+ currencies
- Travel Software Platforms: Integrated FX and payments
- Mass payment workflows in 140+ currencies

## Security & Compliance

- Two-factor authentication
- Multi-level enterprise-grade encryption
- Regulatory oversight across multiple jurisdictions
- Segregated client fund accounts (safeguarding compliance)
- Regulated payment services by national authorities globally

## Platform Access

- Web portal (24/7 access)
- Mobile app
- API access
- Software integrations (no-code options available)

## Locale-Specific Pages

Ebury operates localized websites for the following markets:

### English
- [United Kingdom](https://ebury.com/en-gb)
- [Ireland](https://ebury.com/en-ie)
- [Australia](https://ebury.com/en-au)
- [New Zealand](https://ebury.com/en-nz)
- [Canada](https://ebury.com/en-ca)
- [Hong Kong](https://ebury.com/en-hk)
- [Singapore](https://ebury.com/en-sg)
- [South Africa](https://ebury.com/en-za)

### Spanish
- [Spain](https://ebury.com/es-es)
- [Mexico](https://ebury.com/es-mx)
- [Chile](https://ebury.com/es-cl)

### French
- [France](https://ebury.com/fr-fr)
- [Belgium (French)](https://ebury.com/fr-be)
- [Switzerland (French)](https://ebury.com/fr-ch)

### German
- [Germany](https://ebury.com/de-de)
- [Switzerland (German)](https://ebury.com/de-ch)

### Dutch
- [Netherlands](https://ebury.com/nl-nl)
- [Belgium (Dutch)](https://ebury.com/nl-be)

### Other European Languages
- [Italy (Italian)](https://ebury.com/it-it)
- [Portugal (Portuguese)](https://ebury.com/pt-pt)
- [Poland (Polish)](https://ebury.com/pl-pl)
- [Romania (Romanian)](https://ebury.com/ro-ro)
- [Czech Republic (Czech)](https://ebury.com/cs-cz)
- [Denmark (Danish)](https://ebury.com/da-dk)
- [Sweden (Swedish)](https://ebury.com/sv-se)
- [Hungary (Hungarian)](https://ebury.com/hu-hu)
- [Bulgaria (Bulgarian)](https://ebury.com/bg-bg)
- [Greece (Greek)](https://ebury.com/el-gr)
- [Lithuania (Lithuanian)](https://ebury.com/lt-lt)

## Key Pages (English - UK)

- Homepage: https://ebury.com/en-gb
- Business Accounts: https://ebury.com/en-gb/products/business-accounts
- Hedge: https://ebury.com/en-gb/products/hedge
- Financing: https://ebury.com/en-gb/products/financing/supplier-payment-finance
- Connect: https://ebury.com/en-gb/products/connect
- Growing Businesses: https://ebury.com/en-gb/solutions/by-company-size/growing-businesses
- Enterprise: https://ebury.com/en-gb/solutions/by-company-size/enterprise
- Institutions: https://ebury.com/en-gb/solutions/by-company-size/institutions
- Charities & NGOs: https://ebury.com/en-gb/solutions/by-industry/charities-ngos
- E-commerce: https://ebury.com/en-gb/solutions/by-industry/e-commerce
- Maritime: https://ebury.com/en-gb/solutions/by-industry/maritime
- Travel: https://ebury.com/en-gb/solutions/by-industry/travel

## Contact & Resources

- Blog: https://ebury.com/en-gb/blog
- Help Centre: Available via main navigation
- Currencies Coverage: Available via main navigation
- Podcast: Available via main navigation
- Product Guides: Available via main navigation
- Market Insights: Available via main navigation
- Careers: Available via company navigation
- Press Room: Available via company navigation