Mid & Large Business

The FX partner mid- and
large businesses deserve.

For businesses moving more than €2M in cross-border payments per year. Institutional FX pricing, quote-locked execution, and a named expert you can actually reach, not a hotline.

Open an account Talk to a specialist
Modern corporate headquarters
Named expert contact >€2M annual flow
Approved by BaFin
50+ markets worldwide
Locked rate at execution
Named expert contact
The hidden cost

Where most mid-market FX
setups fall short.

Mid-market and large businesses pay for sophistication they rarely receive. Six things mid-market finance teams tell us about their incumbent FX setup, every single time.

Wide spreads on every trade
Banks typically charge 1.5% to 3% above mid-market on major currency pairs, and only sharpen when you push back. Across institutional volume that is a six-figure cost line you cannot see in any statement.
Manual confirmation by phone
Trades are agreed by voice and confirmed by email hours later. By the time the ticket lands the rate has moved, and the audit trail lives in your inbox.
No transparent execution moment
Banks quote a rate, then settle at a different one. The spread sits hidden inside the rate. There is no quote you can hold for the length of a confirmation call.
Limited visibility into exposure
Exposure data lives in different spreadsheets that do not reconcile. Producing a clean view for the board takes a week of manual work.
Slow international settlement
T+2 is the norm, T+1 is a favour. Suppliers chase you, your AP team chases the bank, and working capital sits in transit instead of in your business.
Relationship manager you rarely reach
Your RM calls twice a year, usually to upsell. Senior dealing access is reserved for the bank's largest clients.
What we do

Built for the way mid-market and large
finance teams actually work.

Six capabilities, one platform, one relationship, priced and built for companies that already have a treasury function.

Wholesale FX pricing
Convert at competitive interbank exchange rates with a fair, transparent fee disclosed before the trade. No hidden costs, no spread games on institutional volume.
Locked rate at execution
The rate you see in the quote is the rate that executes. Short-term locking at the moment of trade is supported. No slippage between quote and settlement.
Worldwide local payments
Pay counterparties in their local currency across 50+ markets worldwide, including emerging markets where standard banks frequently block or surcharge.
Local payment rails, not SWIFT
Payments route through local express networks like SEPA and ACH rather than SWIFT correspondent banking. Lower cost, faster settlement, no hidden intermediary fees.
Bulk payments via spreadsheet upload
Pay multiple suppliers across different currencies in a single batch upload. Reconciliation files integrate with standard accounting workflows.
Named expert for institutional volumes
For institutional-volume accounts, a named expert is available as your direct contact, not a chatbot. Senior dealing access from day one.
Built for

Built for the way mid-market and large
businesses operate.

Four patterns we see most often in companies with complex FX needs.

Mid-market manufacturers
Multi-entity operations importing components and exporting finished goods. Quote-locked execution that matches production cycles, with wholesale pricing across emerging-market corridors.
Cross-border e-commerce groups
Suppliers paid in CNY, INR, and VND, with quote-locked execution on every conversion. Bulk runs via spreadsheet upload for high-volume payable runs.
B2B services firms
Booking revenue in EUR. Quote-locked execution when paying overseas counterparties, with wholesale-volume pricing.
International wholesalers
Sourcing across Asia, Africa, and Latin America. Access to corridors most banks will not quote across 50+ markets worldwide, with named contacts for institutional volumes.
The comparison

HansePay vs. your bank
vs. a fintech app.

The honest, line-by-line comparison most providers won't put on their website.

Feature House bank Fintech apps HansePay
FX margin 2.0% to 4.0%
Opaque / hidden		 0.4% to 1.0%
Standard retail		 0.20% to 0.75%
Transparently locked, disclosed before trade*
Settlement 1 to 3 business days
Slow SWIFT routing		 Same day
Capped for large volumes		 Minutes to hours
Local rails, no SWIFT dependency
Coverage Highly limited
Manual fees and delays		 Restricted
Local volume limits		 50+ markets worldwide
Including markets your bank won't touch
Payout certainty No
Intermediary bank cuts		 Conditional
Market volatility risks		 Locked rate guarantee
Exact recipient payout
Per-payment fee ~€38 per wire Varies / hidden €10

* Example margin range for major currency pairs at volumes above EUR 1 million. Exact rate disclosed before every trade.

Global reach

50+ markets, one platform.

Reach the Americas, Africa, the Middle East, Asia & Pacific, and Europe, including markets most banks refuse to quote on.

🇺🇸USD
🇬🇧GBP
🇯🇵JPY
🇨🇦CAD
🇦🇺AUD
🇸🇬SGD
🇭🇰HKD
🇧🇷BRL
🇲🇽MXN
🇨🇴COP
🇨🇱CLP
🇵🇪PEN
🇦🇷ARS
🇿🇦ZAR
🇳🇬NGN
🇰🇪KES
🇬🇭GHS
🇪🇬EGP
🇲🇦MAD
🇦🇪AED
🇸🇦SAR
🇶🇦QAR
🇮🇱ILS
🇹🇷TRY
🇨🇳CNY
🇮🇳INR
🇰🇷KRW
🇲🇾MYR
🇹🇭THB
🇮🇩IDR
🇵🇭PHP
🇻🇳VND
🇵🇰PKR
🇧🇩BDT
+11 more
What could you save

Estimate your annual saving, in 30 seconds.

Set your annual FX volume and your current provider. We calculate the estimated annual saving with HansePay.

Annual FX volume1.000.000 €
€100k€50M
Currency category
Current provider type
Your current annual FX cost 25.000 €
With HansePay 3.000 €
Annual saving 22.000 €
Full calculator with breakdown →

Estimate only. Exact saving depends on your transaction history.

FAQ

Questions mid-market businesses ask us first.

How is pricing structured for institutional volumes?
We charge a transparent markup on top of the interbank rate, disclosed before every trade. For major currency pairs, margins range from 0.20% to 0.75%, based on an example volume above EUR 1 million. Custom pricing is available for sustained high-volume flow.
Do you support netting across group entities?
Netting across group entities is on the roadmap. For groups operating today, our specialist can walk you through how to consolidate exposure across legal entities with our current toolset.
How do you handle multi-entity KYC?
Each legal entity is onboarded through its own KYC and KYB review under EU rules. For groups, we coordinate the review process so all entities can be activated together. Talk to our specialist about your group structure.
What happens to client funds if HansePay fails?
Customer funds are held in segregated accounts at tier-1 European banks, ring-fenced from HansePay's operating capital. In an insolvency, those funds are not part of the insolvency estate. They are legally protected under MiCAR Article 75 and returned at par.
Can your platform handle large single-trade tickets?
Yes. Single-trade tickets at institutional sizes are quoted directly by a senior dealer and executed with full quote-locked pricing. Talk to our specialist about your typical ticket size and corridor mix.
What's your regulatory standing?
HansePay operates under European MiCAR License, supervised in Germany by BaFin. Customer funds are held in segregated accounts at tier-1 European banks. For counterparty risk questions specific to your treasury policy, our specialist can walk you through the full structure.
Can our auditor access transaction data directly?
Yes. Standard format exports work with most audit workflows. Read-only access for auditors is available on request through your account administrator. Talk to our specialist about specific audit-trail requirements.

The FX setup your treasury
function actually deserves.

Institutional pricing, quote-locked execution, and a named expert from day one. For businesses moving real volume.

Open an account Talk to a dealer