PFM Intelligence, a Dutch SaaS company, turned movement data into actionable insights for businesses. With offices and partners across the EU, UK, Switzerland, and the US, managing multiple currencies was time-consuming and costly. Their 2 banks offered neither multi-currency accounts nor favourable exchange rates, and lengthy paperwork for new accounts or cards led to delays managing team spend. The company consolidated onto one central business account, set up entirely online without paperwork. They exchanged and held currencies at the interbank rate, sent money internationally without delays, and issued virtual and physical cards to their team locally and overseas in a few clicks. PFM Intelligence cut exchange costs by up to 0.8% per transaction and reduced daily bank reconciliation time by up to 30 minutes, completing month-end closings half a day faster. Card limits and spending rules kept team spend under control across all their markets.

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When Atelier Amour's founder started her French fashion brand in 2014, international payments at traditional banks meant unfair exchange rates and time-consuming paperwork for every transfer. Resources that could have grown the business were being wasted on financial admin. The brand moved to tailored business tooling — direct transfers at interbank rates, company cards for a growing team, and streamlined expense management — simplifying international payments in one account. Atelier Amour saved 43% of what they typically spent on currency exchange and freed up 5+ hours of admin work a week with multi-currency accounts and uncomplicated expense tools. All finances, including large transfers, were managed in real time in one place.

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Evy, a Paris start-up, developed product protection solutions ranging from warranties to repairs for European retailers. They expanded quickly beyond France, but rapid growth demanded scalable financial infrastructure. Managing international operations required 10 separate bank accounts to handle payments in different currencies — a slow, inefficient setup that made further growth almost impossible. Evy consolidated onto multi-currency accounts with seamless international payments in one place. Unique IBANs let them separate revenue from different claim types by routing claims through different accounts — crucial for their business model — while expense approvals increased transparency and control over team spend. With multi-currency accounts and fast, secure international transfers, global expansion became straightforward. Evy increased their operations by 70% globally and tripled their customer base since making the switch.

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INKSE, an Australian brand that digitised the fashion supply chain, helped creators develop apparel on one centralised platform. The company banked with one of Australia's big four, where currency exchange and international transfers — critical to global operations — carried high rates and fees. An outdated interface made it hard to transfer funds internationally, add payees, and track transfer statuses. After switching, INKSE found a fast, intuitive process for currency exchange and transparent international transfers at much lower rates. They paid contractors and overseas suppliers and received payments from customers worldwide, tracked outgoing transfers in real time, and used virtual debit cards to organise international software subscriptions paid in USD. Just 9 months after switching, INKSE had saved $62,000 on currency exchange thanks to the interbank rate and lower fees. The savings funded new staff and operational development, letting them deliver tech projects 60% faster and strengthen the brand as they expanded toward the US.

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Spotahome helped students and professionals find and book mid-to-long-term residential rentals across 26 countries and 100 cities in Europe. Managing multi-currency finances was essential to working with tenants and landlords, but sending, receiving, and exchanging currencies came with steep fees. Their original banking provider added tedious processes that made global operations complicated and costly. The company switched to interbank-rate currency exchange, fast international transfers with competitive fees, and accounts holding over 25 currencies. They issued physical and virtual cards from the app in minutes to their team around the world, organising expenses with custom limits and rules. Spotahome immediately reduced international transfer and exchange fees and gained better control over global team spend. The CFO saved 8 hours a week on account admin, with tasks that used to take months — like updating mandates — done in an hour. Automation and self-service tools freed the time equivalent of 2 full-time positions.

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The Workplace Depot, a family-run UK business offering over 20,000 industrial and workplace products, worked with global customers such as Accenture, BMW, and Bang & Olufsen. Managing transactions across different currencies was challenging, and traditional international transfer methods brought long processing times and delays that hurt cash flow management. The company adopted a cost-efficient account to manage multiple currencies, handle exchange, and make global payments. They kept, sent, and received EUR alongside GBP in one place, cut currency costs with the interbank rate built into every exchange, and tracked transactions in real time. The switch delivered substantial savings of around £5,000 per month compared to high street bank rates — £30,000 in currency exchange fees within just 6 months. Faster transfers and fewer losses in process sustained a strong cash flow for global operations.

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BizAway, a global business travel solution from Italy, needed a scalable way to manage overseas payments as its team grew from 28 to 160. The company had been moving money into prepaid accounts to pay travel providers globally — a time-consuming approach wrapped in red tape. They needed to send money in the right currency, fast and dependably. BizAway switched to virtual cards to pay global providers in different currencies directly from their business account. The team created new virtual cards for each supplier and set limits for better spend tracking and control, which became their secret to smooth reconciliation. Virtual cards transformed how BizAway handled overseas payments. The company processed thousands of global transactions worth millions of euros monthly from one central account, without the added steps. The scalable approach helped them maintain strong business relationships and full cash flow control.

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VivaGym, an international fitness provider headquartered in Spain, needed to perfect financial transactions with overseas suppliers. Traditional channels through Spanish banks offered poor exchange rates and high fees, with a 2-day minimum wait for funds to reach recipient accounts — especially when sending to the UK. The company moved to multi-currency accounts, interbank-rate currency exchange, and fast international payments, paying global suppliers in their local currencies from one central account supporting 25+ currencies. VivaGym cut global payment costs by 90% versus previous years thanks to favourable exchange rates and lower transfer fees. Funds arrived with global partners on the same business day, 50% faster than before, removing waiting times from the team's planning.

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Sunway, Ireland's largest Irish-owned travel company, managed customers' flight expenses for 70+ destinations globally. Each year the company reconciled over €10 million in flight transactions, a process the finance team handled manually. It was labour-intensive and error-prone, risking avoidable losses from inaccurate records. Sunway connected their accounting software via a business API in a few clicks. Financial data synchronised in real time, updating each transaction's status automatically. Flight transactions were tracked, categorised, and reconciled on their own system with guaranteed accuracy. Reconciliation went from cumbersome to seamless, with 100% of transactions synchronised automatically. The team saved countless hours of manual work while reducing costly errors in financial records, freeing time to focus on customers.

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Creditspring, a UK small-loans provider, let customers pay a fixed subscription instead of interest to borrow small amounts and build credit. With 10x customer growth in 2 years, the company couldn't keep processing loans manually. The team spent up to 2 hours a day on customer transactions, before counting reconciliations and error-chasing. Creditspring adopted a business API to increase payout efficiency, integrating it into their workflow to automate and streamline loan disbursement. The team could efficiently work through batches of loans without compromising service levels. The API saved up to 25% of manual admin and processing time, letting the company disburse around 187K loans efficiently since implementation. Automation prevented manual entry mistakes and duplications, cutting errors by 300%. Creditspring maintained service quality, earning an above-average 4.7 Trustpilot score.

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ThePower Business School wanted to make education more accessible through EdTech, but going global meant handling payments in many currencies. The company juggled 5 different Spain-based banks to exchange currencies, wasting time negotiating prices while high exchange rates ate margins. Invoices not submitted in EUR were blocked and suppliers were paid late — unsustainable for a growing business. The school consolidated global payments onto one platform, using multi-currency accounts to hold global funds and exchanging 25+ currencies at the interbank rate, a far more affordable option than their previous arrangement. ThePower Business School entered 50 new markets as a completely international business. In less than 2 years revenue was almost 10x greater, positioning the organisation to compete in the fiercely contested EdTech market.

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Tropicfeel, an ecommerce brand for sustainable travel gear, went global from day one, facing 80% year-to-year growth, shipping to 140+ countries, and working with responsibly-sourced manufacturers worldwide. Sustaining their supply chain to build long-term manufacturer relationships and satisfy customer demand came down to payments. Orders with overseas suppliers required forward planning and strong cash flow, so Tropicfeel adopted scalable payment tools available across 100+ countries and 25+ currencies from the start. The team managed cash flow, exchanged and sent money quickly, and tracked outgoing transactions within the app. Tropicfeel settled up with suppliers on time, without delays or uncertainty, while the competitive interbank rate cut operating costs. Money moved where needed, when needed, keeping the team on top of supplier expectations and building long-lasting manufacturer relationships.

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WeRoad, a dynamic adventure travel firm from Italy, curated on-the-road tours worldwide with over 100 adventures on offer. Tour coordinators managing groups abroad were caught in the complexities of cash: paying for activities overseas, avoiding steep exchange fees, and reconciling payments afterwards. Each tour coordinator received a debit card linked to the company account, drawing from specific multi-currency accounts set up with a budget in the destination's local currency before tours began. With over 25 currencies available to exchange at any time, staff always accessed cost-effective local currencies, and the company paid global suppliers and partners ahead of time. With no reliance on physical cash, budgeting and reconciliation became straightforward, with every cent, franc, and penny tracked in-app after each tour. No more chasing invoices and receipts. The new spend management approach saved WeRoad money every day and improved the accuracy of team spending.

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PERGOLUX, a worldwide luxury pergola provider, needed an affordable way to make global payments across 14 countries and access funds in multiple currencies. Transferring money between their foreign accounts could take 4-6 days, making it difficult to manage cash flow across markets. The company adopted global payments, currency exchange at the interbank rate, and multi-currency accounts, running international operations from one user-friendly platform. PERGOLUX saved €25,000 on transfer fees alone within 6 months. Moving funds across borders in a range of currencies became fast and easy. What used to take 5 days now took seconds.

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Vola, a leading travel agency in Poland and Romania, bought tickets from local and global airlines all day, every day. Paying suppliers large amounts on prepaid cards tied up cash flow and locked money away where it couldn't be tracked. Long transfer times, multi-currency exchange, and fraud risk from limited visibility all pressured the bottom line. Vola adopted a virtual cards API. For every new reservation, a virtual card was generated automatically, paying each supplier the exact amount needed in their preferred currency directly from the business account. Once processed, a card couldn't be used again, keeping transactions secure and supplier payments fast and precise. Vola saved 2 days' worth of sales revenue in their cashflow, with cash no longer locked in prepaid cards. Currency exchange fees hit their lowest level ever thanks to the interbank rate. Payments synced and reconciled with their accounting software via the API, giving greater visibility and control over all finances.

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Wild, a sustainable personal hygiene brand from the UK, leveraged influencer marketing to expand across multiple global markets. As their reach grew, so did the complexity of managing expenses in different currencies. Traditional banks kept making them jump through hoops, and the company needed a solution that felt optimised rather than punitive. Wild ran all expenses across different currencies through one business account, uploaded directly to the app, and integrated it with their accounting software so approvals synced automatically. Controls were added to each card, establishing spend tiers, seniority-based limits, and preventative measures against excesses — everything managed in one place at both team and individual level. The company grew over 400% in revenue in a year, in part because they could make market entry decisions in weeks instead of months. Their finance department remained a single person, supported by straightforward tooling that scaled with the business.

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Paloma Wool, a Spanish fashion brand, aimed to drive sales as they expanded into the US and UK. Entering new markets meant accepting local currencies online and in person without incurring high fees or charging customers extra. Traditional payment tools were inadequate, risking currency mix-ups and exchange rates that hurt competitiveness. The brand adopted a business account that let them accept local currencies at strong rates, eliminating extra charges. Customers paid in their local currencies both digitally and physically. Global B2B payments were simplified too, with the ability to pay and get paid in 25+ currencies, while managing and exchanging currencies in one account tamed an increasingly complex cash flow. Taking 100% of payments in local currencies helped Paloma Wool reach more customers around the world. The brand strengthened its global position by reducing costs with interbank-rate currency exchange and fast, low-fee international payments. Handling multiple currencies in one account enabled more accurate financial planning.

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Aer Lingus, Ireland's flag carrier, wanted to make checkouts easier as passenger numbers increased. High-value flight transactions required Strong Customer Authentication, and the extra authentication checks caused some customers to drop off or abandon their purchase altogether. The airline needed secure ways to reduce friction in the ticket-buying process. Aer Lingus adopted a one-click payment method that let customers pay in seconds while keeping payments secure and reducing fraud. Over 40 million global customers — including half the Irish population — could complete flight transactions in one click, authorising payments with a passcode or biometric check without sharing card details. Insufficient-balance notifications let customers switch to a saved card, reducing failed payments. The airline achieved an average authorisation rate of 98.5% on these payments, with cart abandonment rates below 10%. Transaction processing cost a fraction of traditional payment providers and offered next-day fund settlement. Bookings became frictionless for millions of travellers worldwide.

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Rakuten France, part of the global Rakuten group, operated a hybrid marketplace where consumers buy, sell, and get rewarded for online purchases. As operations expanded, their finance team fought time-consuming approval processes, clunky interfaces, and daily payment cut-offs at their traditional bank. The team also wasted valuable time chasing and reconciling paper receipts from various teams. The company used an expense tool to create flexible spend management workflows fitting their organisational structure, simplifying reconciliation while ensuring expenses reached the right approver. They issued virtual cards in minutes and sent physical cards globally in days rather than weeks, with controls on when, where, and how much spend was allowed. A business API connected their other tools to automate payments and reconcile transactions. Rakuten France streamlined how they managed, tracked, and reconciled spend, saving 25% of the time previously spent on expense reporting and halving time spent on payment processing. The finance team gained an in-depth understanding of cashflow and took charge of spend at all stages. The company identified further processes to optimise via the API.

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Safi, a London recycling start-up, made recycled materials accessible to brands and relied on travelling sales and quality control teams to win clients. Managing those teams' expenses was challenging: employees covered spend out of pocket on personal cards, then followed a lengthy reimbursement process. Tracking out-of-pocket transactions and chasing receipts made it difficult to control spending, and the company wanted to avoid costly currency exchange tools across its markets. Safi adopted an all-in-one business account with built-in exchange features, eliminating third-party providers. They exchanged all 10 currencies they operated in at the interbank rate, held funds in multi-currency accounts, and used FX Forwards to lock in rates for future spend up to £15 million, up to 2 years in advance. Corporate cards were issued to employees across 10 countries with custom spending limits, while spare cash earned daily-paid interest in a savings account. The switch transformed how Safi managed team spend, giving employees a seamless way to cover work costs without reimbursement delays while the finance team tracked and approved expenses in real time. Currency management became far more cost-efficient than relying on third parties. Centralising cashflow, currency, and expense tracking freed up valuable time for the business.

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Lyca Mobile, a global telecommunications company operating across 22 countries, connected millions of people worldwide with affordable phone service. As they scaled globally, managing corporate cards caused headaches, with no streamlined way to assign or track expenses across multiple entities. Tedious processes delayed account set-ups and created bottlenecks when paying suppliers. The company adopted a business account with real-time currency exchange at the interbank rate. They made fast, same-day payments to service providers, ensuring timely settlements across markets. Multi-currency accounts let them rearrange funds fast, issue dedicated debit cards for each region, and precisely track expenses for specific teams. Lyca Mobile saw immediate improvements in speed and efficiency, with same-day payments to service providers becoming routine. They significantly reduced reliance on third-party currency exchange providers, exchanging 25+ currencies in one place without hidden fees. Centralised cash flow management and real-time insights gave the company back valuable time and control.

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Transformify (TFY) ran a global payroll and workforce management system that simplified hiring freelancers, independent contractors, and vendors while helping companies manage remote teams and stay compliant. A big part of the business was organising and disbursing high-volume client payouts to workers across 184 countries. As they expanded, they needed the most cost-effective way to send money around the world quickly, without manual effort. Transformify added API Payouts to streamline their workflow and extend global coverage. The API automatically disbursed same-day paychecks to global remote workers with real-time tracking, retrieving recipient details, scheduling payouts, and reconciling accounting data automatically. Multi-currency features let the company pay contractors in GBP, EUR, and USD. The company gained a dependable, cost-efficient way to manage client payouts to global contractors and freelancers. Automated payouts made it easy to hit deadlines, minimised failed or delayed payments, and reduced errors. The volume of payments processed tripled after implementing the API and kept growing.

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Deel offered global payroll and compliance services that helped companies break into international hiring markets and gave contractors worldwide access to work opportunities. The company worked with 9,000+ businesses and sourced talent in 150+ countries across 120+ currencies. It was critical to process international payments for employees and contractors at speed while keeping payroll services reliable. Deel adopted the Business API to distribute its customers' funds to contractors worldwide. The automation streamlined the process of moving bulk funds in a few clicks. Contractors could then withdraw their earnings from the Deel platform to their own accounts without any transfer fees. Bulk payments and the Business API saved Deel time, balanced demand, and scaled with the company. The payment tools helped the team get thousands of people paid when promised. Businesses and contractors alike knew they could depend on Deel for on-time payments.

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