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A cross-border payments and FX firm that also lends: its Supplier Payment Finance line pays suppliers in most currencies with repayment within 150 days, and its export finance advances 90% of invoices.
Ebury is ranked in 4 Buckingham Intelligence indices. Its highest score is 3.2 out of 5 (65 out of 100) in the Trade Finance Index, where it ranks 3 of 14. It is strongest for unsecured import finance with FX in one account, and its best criterion is products at 4 out of 5. Not published or not stated on the pages read: published cost, who can apply, funding and history, access and standing.
Also ranked in: Global Trade Banking Index (2.8 out of 5, rank 10 of 26), Cross-border Payments and Remittance Index (2.5 out of 5, rank 8 of 11) and Treasury and FX Hedging Index (2.2 out of 5, rank 6 of 13).
Scores from the Cross-border Payments and Remittance Index, Global Trade Banking Index, Trade Finance Index and Treasury and FX Hedging Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For importers | 64 | 2 of 14 |
| For exporters | 65 | 3 of 14 |
| For wholesalers | 66 | 2 of 14 |
| Segment | Score out of 100 | Rank |
|---|---|---|
| For importers | 48 | 16 of 26 |
| For exporters | 61 | 10 of 26 |
| For wholesalers and distributors | 55 | 11 of 26 |
| Segment | Score out of 100 | Rank |
|---|---|---|
| For SMEs and exporters | 43 | 8 of 11 |
| For payment and e-money firms | 56 | 7 of 11 |
| For marketplaces and platforms | 52 | 8 of 11 |
No award in the Treasury and FX Hedging Index 2026.
| Segment | Score out of 100 | Rank |
|---|---|---|
| For importers and exporters | 39 | 7 of 13 |
| For corporate treasury teams | 45 | 5 of 13 |
| For payment and fintech firms | 48 | 5 of 13 |
The score out of 5 is the overall score out of 100 divided by 20. Leader goes to the top three overall, Best for to the first in each segment, and Top rated for to a score of 5 out of 5 on a criterion. Awards cannot be bought.
Where it scores best, and where to check closely, as shown in each ranking.
Unsecured import finance with FX in one account.
Mid-size traders needing supplier finance with their FX.
Mid-sized importers and exporters wanting payments with currency hedging.
Importers and exporters needing hedges in many currencies and countries.
What Ebury publishes on its own pages, read on 21 and 26 October 2026.
A cross-border payments and FX firm that also lends: its Supplier Payment Finance line pays suppliers in most currencies with repayment within 150 days, and its export finance advances 90% of invoices. Sizes, tenor and eligibility are published; the interest rate is set in each client's terms.
| Fact | What the provider publishes |
|---|---|
| Legal status | 'Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (reference number: 900797).' EU: Ebury Partners Belgium NV/SA, a payment institution (Spanish branch supervised by the Bank of Spain, registration 6889). The financing pages do not name the lending entity: 'availability depends on the entity's regulatory permissions'. |
| Products | Supplier Payment Finance, an unsecured credit line to pay suppliers, raw materials and freight 'in most currencies'. Trade finance page: import finance (repay 'up to 150 days later') and export finance ('Provide your buyers credit': 90% of the invoice paid up front, buyers repay 'up to 120 days later'). |
| Published cost | Set-up costs £0; interest only on the amount drawn 'at a rate pre-decided and mentioned in your terms and conditions'; 'zero fees for early repayment and any unused credit'. The trade finance page's worked example uses a 'Representative example of 0.5% per month funding cost'; no standard rate published. |
| Facility size and tenor | 'Access unsecured credit lines from £50K to £5M.' 'Sell your goods and repay Ebury within 150 days.' |
| Speed | Account and credit line set-up 'usually takes up to two weeks'; funds 'available to draw and pay your suppliers as soon as you sign your T&Cs'. |
| Who can apply | Operating revenue of GBP 1M or more; tangible net worth above GBP 100,000; at least 2 years of trading. Countries not listed: 'Ebury's product offerings may vary based on your country of origin.' Unsecured; 'In rare cases, we may require a personal or cross-company guarantee'. |
| Funding and history | Client funds held in separate accounts under safeguarding and client money rules. Funding source for the credit line not named. |
| Date read | 21 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: ebury.com/products/financing/…, ebury.com/en/supplier-payment-finance, ebury.com/trade-finance, ebury.com/group-legal-entities.
Ebury Partners UK Ltd is an FCA-authorised e-money institution (900797) in a group licensed in more than 30 markets including Belgium, the DIFC, Hong Kong, Mexico and Brazil. It offers local collection accounts in 15 currencies and supplier finance of £50,000 to £5 million over 150 days for businesses with £1 million or more of revenue. Its FX margin and account fees are quoted per client and not published.
| Fact | What the provider publishes |
|---|---|
| Account fee | Not published |
| FX margin | Not published; quoted per client |
| Receiving | Local accounts in 15 currencies including BRL, CNH, HKD and MXN; 28 currencies by SWIFT |
| Paying suppliers | Fees not published |
| Stablecoins | Not published |
| Finance | Supplier finance £50,000 to £5 million, 150 days, revenue of £1 million or more |
| Onboarding | Not published |
| Protection | Safeguarded e-money; no FSCS |
| Date read | 21 October 2026 |
Who can open an account, by country of registration
| Country | Published position |
|---|---|
| United Kingdom | Yes |
| United States | Not published |
| Mexico | Not published |
| Brazil | Not published |
| Colombia | Not published |
| Hong Kong | Not published |
| China | Not published |
| Türkiye | Not published |
| UAE | Not published |
| Nigeria | Not published |
| Pakistan | Not published |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 21 October 2026 from: ebury.com/en-gb, ebury.com/en-gb/group-legal-entities, ebury.com/en-gb/products/business-accounts, ebury.com/en-gb/products/business-accounts/…, ebury.com/en-gb/resources/currencies, ebury.com/en-gb/products/financing/….
A global payments and FX provider for mid-sized businesses, with hedging and trade finance alongside payments. It publishes wide reach, API and bulk payment options and the most detailed licence list in this edition. It does not publish prices, delivery times or a count of local account currencies.
| Fact | What the provider publishes |
|---|---|
| Payment reach | "160+ countries to send payments"; "140+ currencies supported"; "30+ regulated markets". |
| Pricing | Not published on the pages read. |
| Payment speed | Not published on the pages read. |
| Collection accounts | "Open local accounts and receive funds from your customers in their preferred currency without extra fees." No currency count published. |
| Integration | "Make bulk payments via API or simple file upload"; connections to "Xero and NetSuite"; APIs to embed payments and FX. |
| Regulatory standing | Group legal entities page: Ebury Partners UK Limited, FCA EMI reference 900797; Ebury Mass Payments Limited, FCA payment institution 577057; Ebury Partners Belgium NV/SA, National Bank of Belgium payment institution; Ebury Partners Lithuania UAB, authorisation code LB002070; ASIC AFSL 520548; HK MSO 18-09-02555; MAS Major Payment Institution; DFSA F007626. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: ebury.com, ebury.com/group-legal-entities.
An FX and payments provider for businesses, with forwards, non-deliverable forwards, options and limit orders alongside multi-currency accounts. It publishes regulated entities in the UK, EU, Australia, Hong Kong, Dubai, Brazil and Chile with reference numbers. Prices, integrations and risk reporting are not published on the pages read.
| Fact | What the provider publishes |
|---|---|
| Coverage | Forward contracts, non-deliverable forwards, options contracts and "Spot FX & Limit Orders"; multi-currency accounts; international payments; financing. |
| Pricing | States "transparent pricing" with no setup costs or hidden fees; no figures published. |
| Global reach | "Lock in FX rates for future cash flows across 60+ currencies." |
| Integration | Homepage lists "APIs"; ERP connections not named on the pages read. |
| Standing and security | "Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (reference number: 900797)"; Ebury Mass Payments Limited FCA payment institution 577057; entities regulated by the National Bank of Belgium, ASIC (AFSL 520548), DFSA and the Central Bank of Brazil. |
| Date read | 26 October 2026 |
A fact that is not published is scored as not offered or, for a fee, as if it were high. It is never estimated.
Facts read on 26 October 2026 from: ebury.com, ebury.com/products/hedge, ebury.com/group-legal-entities.
Each score with the evidence behind it.
Each criterion is scored 0 to 5 against the best published offer in the Trade Finance Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Global Trade Banking Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Cross-border Payments and Remittance Index. 0 means not offered or not published. How it is scored
Each criterion is scored 0 to 5 against the best published offer in the Treasury and FX Hedging Index. 0 means not offered or not published. How it is scored
The other providers in the same ranking, ordered by score.
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Wayflyer | 3.9 | 1 of 14 | Inventory funding for brands and wholesalers |
| Settle | 3.2 | 2 of 14 | US consumer brands extending supplier terms to 180 days |
| HSBC Hong Kong | 3.1 | 4 of 14 | Asian traders needing letters of credit and trade loans |
| Virgin Money (Nationwide) | 3.0 | 5 of 14 | UK exporters using a UK Export Finance backed facility |
| Kriya | 2.9 | 6 of 14 | UK exporters financing invoices to overseas buyers |
| Funding Societies | 2.7 | 7 of 14 | Singapore SMEs paying overseas suppliers |
| Tradewind Finance | 2.4 | 8 of 14 | Export factoring with credit protection |
| Credlix | 2.3 | 9 of 14 | Indian exporters selling to the US and Europe |
| Drip Capital | 2.3 | 10 of 14 | Unsecured supplier payment terms for US importers |
| Clearco | 2.0 | 11 of 14 | US e-commerce brands paying overseas suppliers' invoices |
| Bibby Financial Services | 2.0 | 12 of 14 | UK exporters wanting invoice finance with bad debt cover |
| 8fig | 2.0 | 13 of 14 | Online sellers funding inventory and supply chain costs |
| NatWest | 1.4 | 14 of 14 | UK businesses wanting a full bank trade finance range |
Full Trade Finance Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Wise Business | 3.8 | 1 of 26 | Transparent FX and receiving in 22 currencies |
| WorldFirst | 3.5 | 2 of 26 | Importers paying Asian suppliers, no account fees |
| Airwallex | 3.5 | 3 of 26 | Free local supplier payments to 120+ countries |
| Statrys | 3.1 | 4 of 26 | Hong Kong, Singapore and BVI companies trading with Asia |
| XTransfer | 3.1 | 5 of 26 | Trade with China and emerging-market collection |
| Aspire | 3.0 | 6 of 26 | Singapore, Hong Kong and US-nexus companies trading in Asia |
| Currenxie | 3.0 | 7 of 26 | Asian and Mexican traders collecting in nine currencies |
| Payoneer | 3.0 | 8 of 26 | Marketplace sellers and exporters in 190+ countries |
| Mercury | 2.8 | 9 of 26 | US-registered companies with founders abroad |
| Verto | 2.7 | 11 of 26 | African exporters collecting in NGN, KES and ZAR |
| 3S Money | 2.7 | 12 of 26 | Non-resident companies from 190+ countries wanting UK and EU IBANs |
| Slash | 2.5 | 13 of 26 | Non-US wholesalers spending in dollars and receiving USDT |
| Revolut Business | 2.5 | 14 of 26 | UK, EEA and US companies wanting cards and FX allowances |
| Shield | 2.5 | 15 of 26 | Wholesalers in Latin America paid in USDT |
| OFX | 2.4 | 16 of 26 | FX-heavy traders wanting a dealer on the phone |
| Tazapay | 2.4 | 17 of 26 | Exporters collecting from buyers in 85+ markets |
| Wio Bank | 2.4 | 18 of 26 | UAE trade licence holders wanting a bank with lending |
| HSBC UK | 2.3 | 19 of 26 | UK traders needing letters of credit and trade finance |
| iBanFirst | 2.0 | 20 of 26 | EEA and UK companies exchanging €200,000 or more a year |
| Conduit | 1.9 | 21 of 26 | Companies in 100+ countries settling trade in stablecoins |
| Bitso Business | 1.8 | 22 of 26 | Latin American traders settling on Pix, SPEI and ACH |
| Flutterwave | 1.7 | 23 of 26 | African exporters receiving USD, GBP, EUR and AED |
| Equals Money | 1.7 | 24 of 26 | UK businesses wanting cards and 40 currencies in one account |
| Moneycorp | 1.7 | 25 of 26 | UK and Irish traders wanting dealer-led FX |
| Nium | 1.6 | 26 of 26 | Platforms and fintechs embedding payouts, not yet small traders |
Full Global Trade Banking Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| WorldFirst | 4.7 | 1 of 11 | Exporters and online sellers paying suppliers in Asia, especially China |
| Airwallex | 4.7 | 2 of 11 | Businesses and platforms wanting exact FX margins, wide reach and many licences |
| Wise Business | 4.2 | 3 of 11 | Small businesses wanting fast payments and a full public API |
| Payoneer | 3.5 | 4 of 11 | Online sellers and service firms collecting from marketplaces and clients abroad |
| Nium | 3.2 | 5 of 11 | Payment firms and platforms building payouts through an API |
| Currenxie | 3.1 | 6 of 11 | Asia-facing businesses wanting a fully priced account |
| OFX | 2.7 | 7 of 11 | Small businesses wanting a published fee schedule and Xero connection |
| Convera | 2.4 | 9 of 11 | Larger businesses, universities and credit unions paying in exotic currencies |
| Thunes | 1.9 | 10 of 11 | Banks, remittance firms and wallets paying out to mobile wallets and accounts |
| Corpay Cross-Border | 1.6 | 11 of 11 | Mid-sized and large firms paying in many countries with hedging support |
Full Cross-border Payments and Remittance Index ranking
| Provider | Score out of 5 | Rank | Strongest for |
|---|---|---|---|
| Kyriba | 4.2 | 1 of 13 | Large corporate treasury teams wanting one system for cash, payments and FX risk |
| Atlar | 3.1 | 2 of 13 | Mid-market finance teams wanting bank and ERP links with strong security |
| Ripple Treasury (GTreasury) | 3.1 | 3 of 13 | Corporate treasury teams wanting hedge accounting inside the TMS |
| Kantox | 2.7 | 4 of 13 | Mid-sized firms automating hedges from ERP data |
| Bound | 2.5 | 5 of 13 | UK small and mid-sized firms wanting a published hedge price |
| Trovata | 2.1 | 7 of 13 | Finance teams wanting a published base price for multi-bank cash visibility |
| Convera | 2.0 | 8 of 13 | Firms paying in many currencies wanting forwards and options with FCA authorisation |
| Corpay Cross-Border | 1.9 | 9 of 13 | Firms paying in many currencies that want hedging without an upfront deposit |
| Agicap | 1.8 | 10 of 13 | Small and mid-sized European firms forecasting cash across many banks |
| MillTech | 1.6 | 11 of 13 | Fund managers and corporates wanting multi-bank FX pricing |
| Hedgebook | 1.6 | 12 of 13 | Firms in Australia, New Zealand and the UK needing hedge valuations for audit |
| Nilus | 1.6 | 13 of 13 | Finance teams wanting cash, forecasting and payments on top of their ERP |
Side by side on every criterion, fact and award.
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