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Fifteen currencies, one spread
Foreign Exchange
Hold, convert and send fifteen currencies at a single stated spread. No fixed fee, no tiered margins, and the mid-market rate shown beside yours on every conversion — so the cost of the trade is never a thing you reconstruct later.
0.35%
spread, no fixed fee
Rates & fees
- Conversion spread
- 0.35%
- Fixed fee
- None
- Forward conversion
- 0.35% + forward points
- International payment
- T+2, spread only
What you get
The quoted rate is the rate
A quote is held while you confirm. What you accept is what posts — there is no slippage after the fact.
Fifteen currencies held
Each currency has its own account details, so you can receive locally and convert when the rate suits you.
Rate alerts
Set a level on any pair and get told when it trades there. Convert from the alert in one step.
Forwards to twelve months
Fix a rate today for a conversion up to a year out, with the margin stated in the same quote.
Who can apply
The headline criteria, stated plainly. Full eligibility is confirmed during the application itself.
You will need
- Aged 18 or over
- An ICB Everyday Current account
- Forward conversions require a short credit assessment
How it goes
Apply online
About ten minutes, from any device. Save part-way and come back whenever you like.
Verify your identity
A photo of your ID and a short liveness check, reviewed within one business day.
Start using it
Your product is opened and ready the moment verification clears — no branch visit.
Questions, answered
Is 0.35% really the whole cost?
Yes. The spread is the difference between the mid-market rate and your rate, and it is the only charge — shown as a figure, in your currency, before you confirm. There is no fixed fee and no separate commission.
What is a forward conversion?
A rate fixed now for a conversion dated up to twelve months ahead. The forward points — the interest-rate difference between the two currencies — are stated in the quote, so the all-in rate is known before you commit.
How fast do conversions settle?
Between your own ICB currency accounts, immediately — both postings happen in the same transaction. Conversions attached to an international payment settle on the payment’s own rail, quoted before you confirm.
Open an account in under ten minutes
Verify your identity, choose your currency, and start moving money the same day.
Get started