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About Equals Money

Equals Money offers a range of products for businesses of all shapes and sizes, including multi-currency accounts, international and domestic payments, and a spend management solution featuring business expense cards, virtual cards, and integrations with both Xero and Concur® Expense.

Equals Money’s international payments service offers competitive exchange rates, access to over 140 currencies, and expert support to help your business make smarter global transfers. With a range of payment options—like spot trades and forward contracts—you can manage currency risk and plan ahead with confidence. You’ll also get a currency-expert account manager to monitor the markets and help you strategise your global payments in a way that suits your business requirements.

International payments with FX experts – Protect your business from volatile markets with competitive exchange rates, a range of payment solutions, and an expert account manager who can help you put together a strategy for overseas payments.

 

Multi-currency accounts – Create named accounts equipped with a multi-currency IBAN to send, receive, and manage funds in 38 currencies (without the need for conversion) with a single set of account details.

 

Faster settlements – With connections to SWIFT, UK Faster Payments, and SEPA, expand into new global territories with same-day and next-working-day transfers.

 

Spot trades – Make a one-off instant transfer using the live exchange rate.

 

Forward contracts – Fix a current exchange rate for a future transaction up to 24 months in advance.

 

Online platform – Our easy-to-use platform allows you to access your account 24/7 to manage your payments and check currency exchange rates online.

Equals Money’s spend management solution combines prepaid business cards with a powerful online platform to help you control budgets and empower your team. Employees can spend securely in over 190 countries, request top-ups, manage their cards, and check their PINs—all from the platform. In real time, finance managers can monitor transactions, approve or decline fund requests, set spending limits, and adjust user permissions ensuring complete visibility and control over company spend.

Global acceptance – Equals Money cards can be used in over 190 countries worldwide, wherever Mastercard is accepted.

 

Prevent maverick spending- With account roles based on responsibilities, custom spending limits, and real-time transaction data, you can know exactly what teams are spending and where.

 

Virtual cards – Generate virtual cards and upload to smart devices for easy in-person expenses (compatible with Apple Pay, Google Pay & Samsung Pay).

 

Instant spending – Remove the lengthy reimbursement process and out-of-pocket expenses with fund requests and instant-issue cards.

 

Integrate with Xero & Concur Expense – Reduce the risk of human error and remove the need for manual, time-consuming imports with Xero and Concur® Expense integrations.

 

With our wide range of solutions, let us take the stress out of payments and spend management so you can get back to business.

Equals Money Plc is registered in England & Wales No. 05539698. Equals Money Plc is part of Equals Group Limited (Registered in England & Wales No. 08922461). Registered Office: 3rd Floor, Vintners’ Place, 68 Upper Thames St, London, EC4V 3BJ. Equals Money Plc is authorised by the Financial Conduct Authority to provide payment services (FCA No. 488396).

 

Equals Money Cards are issued by Equals Money International Limited pursuant to licence by Mastercard International Inc. Equals Money International Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900493). Equals Spend Cards are issued by Rapyd Payments Limited pursuant to licence by Mastercard International Inc. Rapyd Payments Limited is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900688). Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.