Stop currency fluctuations from eating into your profits
Official Payment Partner of
Expert FX risk management
Get a dedicated FX specialist assigned to your business, providing one-on-one strategic consultations and 24/7 direct support—no chatbots, no call centres
Forward contracts and stop-loss tools
Secure today’s favourable rate for your next harvest and protect against currency swings
Wholesale currency pricing
We secure rates with no hidden markups that are usually reserved for large institutions
Same-day or next-day settlements
Avoid shipment delays by getting funds to suppliers or receiving payments at lightning speed
Guaranteed transparent pricing
Consistent and transparent pricing and predictable rates to protect your bottom line
Trusted by leading importers and exporters to exchange over £6 Billion, and counting…
Safeguarded Funds
Your funds are held in safeguarded accounts, kept separate from operating funds, providing peace of mind with every transaction and an extra layer of security.
Secure and Trustworthy
Our advanced encryption and security protocols protect your data, ensuring every transaction is secure and handled with the highest level of integrity.
FCA Authorised
As a licensed payment institution, we meet rigorous regulatory standards and report to the Financial Conduct Authority (FCA), ensuring robust oversight and compliance.
Caught between shifting rates and perishable deadlines?
You’ve sealed the deal on a fresh produce order—pricing locked, delivery scheduled. But the few weeks (or months) between signing that contract and actually fulfilling it can feel like a race against time—and the FX market.
And while your produce is busy growing, ripening, and getting ready to ship, global currency markets shift by the day—sometimes by the hour. By the time you’re ready to finalise the payment or invoice, all those fluctuations can obliterate your carefully calculated profit margin.
Meanwhile, your logistics can’t budge. Your buyers demand punctual deliveries, your suppliers expect timely payments, and your produce won’t wait around for a better exchange rate.
So you either swallow the loss or risk scrapping an entire deal you’ve spent months preparing. It’s a gut punch—knowing all your planning and sweat can vanish in a single rate fluctuation.
How much longer can you afford to gamble with your harvest?
How Kölla Group, a global supplier, stabilised costs & protected margins in a volatile FX market
Established in the 1920’s the Kölla Group is a global supplier of fruit and produce with 9 international offices.The groups functional currency is euro. So for subsidiaries who operate exclusively within the EU, there is some currency risk reduced by way of a natural hedge.
The organisation operates a global supply chain with purchases and sales made in multiple currencies.
Foreign currency profits need to be repatriated back to head office.
Historically, each of the subsidiaries would manage their currency requirements independently.
Layered hedging strategy over one, two and three months.
Market analysis driven by Bloomberg to support optimal trade execution on spot trades.
Credit extended on forwards with 0% deposit.
Mitigated exchange rate volatility and substantial reduced overall FX risk.
Unified currency risk management approach across all global offices.
Improved commercial pricing consistency and eliminated FX pricing increase to customers.
Confidence to expand into new global markets with and effective currency management strategy.
Their team's insights and proactive approach have helped us navigate the complexities of fluctuating exchange rates."
B.Wetterau | Group CFO | Kolla the Fruit Company
Our 5-point formula for protecting your margins from currency volatility
Comprehensive, tailored FX risk Management
Protect your margins and gain certainty over cash flow
Uncertainty in exchange rates can kill profits, but we’ll provide you with bespoke hedging solutions tailored to your risk appetite and commercial requirements.
We’ll analyse your cash flow, market exposure, and trading cycles to implement a structured FX strategy that safeguards against unfavourable movements.
Better exchange rates and lower fees
Access to whole spreads-without the hidden markups
We work with a range of top-tier banks and liquidity providers, to give you competitive exchange rates that are usually only available to huge corporations, so you never overpay for foreign exchange.
Unlike banks that inflate spreads and add hidden fees, we don’t tack on extra margins or bury fees in fine print.
Instead, we provide clear, cost-effective pricing tailored to your transaction volumes.
Dedicated FX account manager, available 24/7
Expert guidance for smarter currency management
Get one-on-one support from your FX specialist who understands your industry, payment cycles, and risk exposure.
Your dedicated account manager helps you execute trades, optimise currency conversions, and navigate complex currency challenges—all without the hassle.
Forward contracts & market orders, done for you
We secure rates early to protect you against currency fluctuations
Delays between order placement and payment can create unpredictable FX costs.
We offer forward contracts to secure today’s rates for future transactions and market orders that execute trades only when preferred rates are met.
This removes uncertainty and protects your bottom line.
Expert market analysis
Stay ahead of currency risks with real-time market intelligence
Access proactive FX insights tailored to your industry.
Our analysts provide up-to-date commentary on currency trends, economic shifts, and market movements, so you make proactive data-driven decisions rather than reacting to volatility.
And currency markets shift constantly. That’s why our team regularly reviews and optimises your FX strategy, adjusting hedging positions and ensuring alignment with your latest financial forecasts—keeping you protected without overcommitting.
Your FX provider is costing you more than you think—switching to Millbank FX is simple
Are you stuck juggling multiple currency accounts, second-guessing every invoice, and waiting days—or more—for funds to move?
Every second you wait for an international payment to clear is time your suppliers don’t ship and your deals don’t close.
Are you really willing to keep losing money to bad FX rates and hidden fees? Or is it time to take control?
See how your current FX provider compares against Millbank FX
With Millbank FX
Without Millbank FX
Switching to Millbank FX is simple—here’s how we make the process seamless
Apply for a fast, free, no-obligation FX health check
In just 30 minutes, we’ll pinpoint exactly how you get predictability over FX rates, protect margins
Get a tailored FX strategy
We’ll show you where you can save & how to loc in better rates despite market fluctuations
No pressure. No Obligation.
Just expert insights to help you save money, manage risk, and stabilise cash flow
If you feel confident enough with your FX strategy and want us to execute the trades and make payments...
... or if you need us to handle your ongoing FX strategies while you focus on growing your business...
Tailored hedging and forward contracts safeguard your business from sudden exchange rate fluctuations
We don’t just onboard you-we continuously monitor markets and advise on the best time to act
From a dedicated FX account manager and a FCA-regulated team that executes billions annually for businesses
Lock in rates when you confirm supplier contracts-no more price uncertainty between order placement and fulfilment
We’re trusted by global importers and exporters worldwide for tighter spreads, faster settlements, and tailored risk management solutions
meaning, more profit in your pocket instead of unnecessary fees
You start saving from day one with our transparent pricing, and we won’t lock you into contracts that don’t serve your goals
Your profits don’t wait for stability. Neither should you.
Get a free FX strategy session & live rate check
With a Millbank FX Strategy Session, you’ll meet directly with our Chief Commercial Officer who will assess your payment flows, FX exposure, and current setup, then show you exactly where you could be saving.
In turn you’ll get a clear, no-jargon roadmap to:
Protect your profit margins with tailored hedging strategies
Stay ahead of market swings with live insight from real FX experts
Streamline your international payments in 120+ currencies
Already have a FX provider?
9 out of 10 businesses we meet are already using a provider and leaving money on the table—and they don’t even know it. And yes, you can open your account directly instead if you’re ready to move faster.
Choose your next step...
FCA Authorised
Wholesale Exchange Rates
Dedicated FX Dealer
Rapid 24/7 service
Still have questions?
Fresh produce businesses operate on tight margins and face long payment cycles between order confirmation and fulfilment. Millbank FX provides forward contracts, market orders, and risk management strategies to lock in exchange rates, so currency fluctuations don’t eat into your profits.
Traditional banks often offer wider spreads, slow settlement times, and limited risk management options.Millbank FX delivers:
- Tighter FX spreads for better pricing on every transaction
- Same-day or next-day settlements to avoid payment delays
- Risk management tools (including stop-losses and forward contracts) designed for agriculture and perishable goods trading
- FCA-regulated security so your funds are fully protected
Currency volatility can kill margins between contract agreement and payment. With forward contracts, you can lock in a rate when you place an order—so you know exactly what you’ll pay, regardless of market movements.
Currency volatility can erode margins between contract agreement and payment. With forward contracts, you can lock in a rate when you place an order—so you know exactly what you’ll pay, regardless of market movements.
For bulk purchases or seasonal supply payments, we offer institutionalFX rates to ensure you get the best possible price. We also provide market orders, so you can set a target exchange rate and automatically executewhen it’s reached.
No. No setup fees, no monthly fees, and no hidden charges. You only pay for the FX transactions you make—nothing else.
No. Millbank FX integrates seamlessly with your existing business accounts. You keep full control over your funds while accessing better rates, faster settlements, and tailored risk management strategies. Try it out today - apply for a free account
No. Millbank FX integrates seamlessly with your existing business accounts. You keep full control over your funds while accessing better rates, faster settlements, and tailored risk management strategies.
If your fresh produce business makes cross-border payments, imports goods, or deals with currency fluctuations, you need an FX strategy. Even small rate shifts can wipe out your margins. Millbank FX helps you assess risk, secure better pricing, and stabilise cash flow so your business stays profitable.
Schedule a free FX health check& strategy consultation today. In just 30 minutes, we’ll:
- Analyse your current FX costs and risk exposure
- Show you exactly where you can save and protect your margins
- Provide a custom FX strategy tailored to your fresh produce business
Your security is our top priority.Millbank FX is Limited is registered in England and Wales (registration no. 09969387) and authorised by the Financial Conduct Authority as a Payment Institution (no. 787366).
All client funds are safeguarded with EU banking institutions. We never speculate on currency markets. Instead, we operate as a matched principal broker—every time you enter into a transaction with us, we enter into a corresponding covering deal with our counterparties.
We're audited annually by independent compliance specialists registered with The Association of Professional Compliance Consultants to ensure our processes meet FCA standards.
