Ebury Review 2026: Exchange Rates, Fees and What Your Recipient Gets

Ebury's exchange rate and margin

Ebury makes its money on the FX margin, not a per-transfer fee. There is no setup or monthly charge. The spread sits over the mid-market rate, and a dealer quotes you the number.

Here is the catch: the price is quote-based, not published. Independent data puts the typical margin at 0.4%-1.2% on lower volume and 0.1%-0.6% on higher volume. A high-street bank usually charges 3%-5%, so even the wider band beats your bank.

Ebury transfer fees

There is no account or subscription fee, which is refreshing. The cost is built into the rate instead. Minor per-payment fees can apply on obscure corridors that have to route via SWIFT.

Sending £1,000 to EUR and USD with Ebury

Your business transfers will usually be far larger, but here is the mechanism. These figures are illustrative, from a representative 0.5% margin on the mid-market rate on 25 June 2026; your dealer quote will differ by volume.

On £1,000 the gap to mid-market is a few pounds. On six-figure flows that same margin is what decides the cost, and it is where your negotiated dealer rate earns its keep.

Countries and currencies supported

We confirmed Ebury trades over 140 currencies and pays to more than 160 countries. The weight is on B2B trade corridors: the Eurozone, the United States, China, Australia and the Middle East, not consumer remittance routes.

Payout methods

• Business bank payments via local rails and SWIFT
• Collection accounts with local details, so you receive in major currencies like a domestic firm
• Mass and bulk payments by API or CSV for payroll and supplier runs
• No cash pickup and no mobile wallet; business accounts only

Transfer speed and limits

Sending money to family overseas

Not an option, and worth saying plainly. Ebury has no personal accounts and no cash pickup, and it onboards registered businesses with real volume.

If you are sending money to a relative abroad, a consumer app like Wise or Remitly is the tool you want. Ebury is simply not built for you.

Business and supplier payments

This is Ebury's home ground for international business payments. The collection accounts let you receive in euros or dollars like a local, local payouts move money out, and a single file clears a payroll or supplier run.

The trade is the relationship model: you onboard, you get a dealer, and the best pricing follows your volume. A very small firm may find Wise Business simpler and cheaper to start.

Large one-off transfers

A real strength, and it comes down to forwards. Picture a manufacturer due to pay a €250,000 invoice in three months, with the rate drifting the whole time.

Ebury can fix today's rate with a forward contract, so you know the cost now. That is what a dealer-led broker does and a transfer app cannot. For a large, dated business payment, this is the right tool.

How Ebury protects your money

We checked Ebury against the FCA Register. Ebury Partners UK Limited is authorised as an e-money institution under FRN 900797, and ring-fences 100% of client funds in segregated accounts at Tier 1 banks.

That is not FSCS protection, so there is no £120,000 guarantee. As an EMI, Ebury cannot take deposits or lend your money out, and in an insolvency the safeguarded funds go back to clients ahead of creditors.

Account security and fraud protection

Security is built for finance teams. You get two-factor authentication, role-based access and multi-level approvals, so a large batch can need two managers to release it. Strict source-of-funds checks are part of why a payment can be held.

Signing up and verification. Onboarding is full business verification: company details, directors, ownership and source of funds. It is heavier than a consumer app, so build the time in before a deadline.

App and website. Ebury runs the Ebury Online platform for quotes, payments and reporting, with a lighter app than the digital-first players. The pull here is the dealer, not a slick phone screen.

Customer support. This is the relationship model's payoff: a dedicated dealer or account manager, not a support queue. The flip side is compliance friction, where a source-of-funds review can hold a payment while you wait.

We read the recent reviews, not just the headline number, and they cluster around one clear strength and one recurring gripe.

What people praise: the personalised service from dedicated dealers, and hedging tools that protected their margins through volatile spells.

What goes wrong: sudden account closures or funds frozen pending compliance and source-of-funds checks, and the opacity of quote-based pricing.

Against Wise Business, Wise is simpler and cheaper for a low-volume SME, with published pricing and the mid-market rate, while Ebury gives you forwards, a dealer and tighter margins at scale.

Against Airwallex, Airwallex is the digital, self-serve platform for global collections and local payouts, while Ebury is the relationship-led broker with hedging and trade finance.

Against moneycorp or OFX, the three are close rivals for dealer-led FX and forwards. We compared these routes ourselves, and we refresh the live figures daily, so see our money transfer comparison for the corridor you care about. Among fellow corporate-FX providers our Convera, Equals Money and IFX Payments reviews cover the closest rivals.

Ebury is a serious FX and trade-finance partner for businesses that move money across borders at volume.

If you want a dealer, forwards to fix a future rate, collection accounts and mass payments, and you have the volume to earn a tight margin, it is among the best in its class. We rate it 4.1 out of 5.

Just be clear on the boundary: this is business-only, the pricing is quote-based rather than published, and an individual sending money home should look elsewhere entirely.