Currency costs may not appear as one line. They sit in rate margins, transfer fees, intermediary charges and in conversions done twice. The decision is where to look and which part of the cost the architecture can influence.
Comparing one provider's rate with another's treats the symptom. The first question is whether you convert more often than the business needs. Customers pay in a currency you immediately switch, which you then switch again to pay a supplier. Each step has a cost.
Account opening is a separate service; this assessment designs the set-up and does not open accounts or promise any provider decision. The assessment does not compare or recommend providers.
Currency A to base and base to currency B, when A could pay B directly.
Money converted by the receiving provider at its default terms.
Converted late and in a hurry.
Transfers that pass through intermediaries because of the chosen route.
Cannot influence: Market exchange rates
Cannot influence: Charges set by counterparties
Cannot influence: A provider's pricing decision
We do not quantify savings in advance. Results depend on your flows.
Representative of normal months, in and out.
From payer currency to final currency, through every conversion.
Rate margin, fixed fee, intermediary fee, delay.
Some costs come from your set-up, others from where staff happened to send the payment.
What could change, and what each change would cost or risk.
This is business and structuring analysis, not legal, tax or investment advice. Where a legal or tax opinion is needed, we say so and point you to a licensed adviser.
No. It identifies where costs arise; the effect of changes depends on your flows.
No. It addresses structure, not market exposure.
No.
No obligation. We read your request and reply with a straight answer.
Describe your plan and your constraints. We reply with what we would look at first.
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