FX brokerage for individuals and businesses moving meaningful sums. Tighter spreads than your bank, dedicated dealers who learn how you work, same-day settlement to 200+ countries — booked on WhatsApp or our web platform.
SummitFX trades 145+ currencies across 200+ countries through our regulated partner network. Wherever the money needs to go, we can usually get it there same-day or next-day. We've also written detailed corridor guides for our most-traded routes — useful if you want to understand local rails, settlement timing, and what affects the rate before you book.
Whether you're a private client moving meaningful sums or a finance team managing FX exposure, SummitFX gives you the same dealer relationship and the same regulated infrastructure — just tailored to how you work.
Private clients moving meaningful sums — typically £10,000 to £5m per trade.
Finance teams and operators with FX exposure — from start-ups to multinationals.
Most retail platforms are built for small, fast transfers. We're built for the trades where the rate, the timing, and the relationship genuinely matter.
Every £1 you trade earns Summit Points — your share of our 20% client equity pool. Trade regularly and you accumulate a genuine stake in SummitFX's future. A loyalty programme that pays out in ownership, not vouchers.
See how the equity programme works →For trades above £100,000, our spreads tighten further — typically 0.1–0.3% versus 2–4% at a high street bank. No transfer fees, no receiving fees, no hidden margin added later. The rate we quote is the rate you get.
Learn about large transfers →Message us on WhatsApp and your dealer replies in seconds with a live quote. Or use our web platform when you'd rather click than type. Same rates, same dealers, same FCA-regulated infrastructure either way.
Every client gets a dedicated dealer who learns your patterns — preferred currencies, typical amounts, recurring schedules, ongoing arrangements. When you message, you're not re-explaining yourself to a new person every time.
Once you're set up, sending money becomes a 30-second WhatsApp exchange. The first time takes a little longer because we have to know who you are.
Quick, fully digital onboarding. Individuals: minutes. Businesses: light corporate KYC, usually a single working day. We'll tell you exactly what we need.
Message your dealer on WhatsApp or use the web platform. You'll have a live executable rate back in seconds. Reply CONFIRM and the rate is locked.
Send your funds to our segregated client account; we settle to your beneficiary the same business day if your funds reach us before our daily cutoff.
SummitFX is independently rated by Feefo. Every review is from a verified client.
SummitFX is independently rated by Feefo. Read verified reviews from real clients on our Feefo profile.
Read our reviews on Feefo →The questions our prospective clients most often ask. Still have questions? Message us on WhatsApp — a real dealer, not a bot, will reply.
No hard minimum — we handle trades from £1,000 to £5m+. For recurring smaller payments (monthly support, mortgage payments), market orders or standing arrangements work better than ad-hoc bookings. If you're moving below £1,000 a one-off, a retail app is usually the simpler choice.
If your funds reach our segregated client account before our daily cutoff (typically 14:00 UK time), most G10 corridors settle the same business day. Fedwire to the US, Faster Payments inbound from the UK, SEPA to the eurozone, and SARIE to Saudi all support same-day delivery. SWIFT corridors typically settle T+1. We always confirm the actual settlement date when you book.
Banks typically mark up FX rates by 2–4% for retail customers and add transfer fees on top. Retail apps offer better rates but auto-execute small amounts on visible mid-market with a transparent fee — fine for sub-£1,000 transfers but not optimised for larger sums or business needs. SummitFX sits between: you get a dealer-broker relationship, tight broker spreads (0.5–0.9% typically, lower on large trades), forwards up to 24 months, and human handling — but you do need to onboard formally.
SummitFX itself is not directly regulated. Instead, we work through seven banking partners, all regulated in their respective jurisdictions — your money is held in segregated client accounts at those regulated banks and passes through their rails when you exchange. We never touch client funds directly. The full list, including each partner's regulator, is on our Payment Partners page.
Yes — that's a forward contract. If you have an upcoming property completion, scheduled tuition payment, contracted business invoice, or any future payment with a known date, we can fix today's rate for delivery up to 24 months out. You pay a deposit (typically 5–10% of the trade) up front and settle the balance at delivery. Particularly useful for businesses hedging FX exposure on contracted invoicing.
Almost certainly yes. We trade 145+ currencies across 200+ countries through our partner network. The 156 corridor guides on this site cover our most-traded routes; other corridors are equally available, just without a dedicated guide page yet. Message us with the source country, destination country, and rough amount, and we'll come back with a quote.
You'll need to be an onboarded SummitFX client to trade — that means light KYC for individuals (typically minutes) or corporate KYC for businesses (usually a single working day). Once you're onboarded, you can book trades on WhatsApp, the web platform, or both interchangeably. New clients should start with sign-up via the web platform, then everything else can happen on WhatsApp if you prefer.
Every £1 you trade earns Summit Points — your share of our 20% client equity pool. Trade regularly and you accumulate a real stake in SummitFX's future. It's a loyalty programme that pays out in ownership, not vouchers, cashback, or air miles. We're the only FX brokerage we know of that does this. Read the full mechanics on our equity page.
28 country pages, each covering the local currency, payment rails, typical use cases, and every corridor we run in or out.
Whether you're sending as an individual or a business, get a live rate from a real dealer in seconds.