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TIMEFX LTD
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About us

International payments and foreign exchange, built for UK businesses.

TimeFX is an international payments and foreign exchange business for UK companies and individuals. We help businesses pay overseas suppliers, receive foreign revenue, hold the currencies they trade in and plan for the fact that exchange rates move.

Make an enquiryOur services
Legal entity
TIMEFX LTD

Company no. 13396461

Core services
International Payments & FX

Business payments, currencies and FX risk management

Registered office
London, England

20 Wenlock Road, London, England, N1 7GU

AML supervision
XDML00000164897

HMRC anti-money-laundering registration

Who we are

Who TimeFX is

TimeFX is an international payments and foreign exchange business for UK companies and individuals. We move money between currencies, hold balances in the currencies our clients trade in, and help them plan for the fact that exchange rates move.

Cross-border trade puts three problems on the same desk: getting a payment to the right account abroad, deciding when and at what rate to convert, and knowing what a future commitment will actually cost in sterling. TimeFX covers all three — payments, currency and FX risk — rather than leaving them scattered across a bank account, a spreadsheet and a self-service app.

“International payments and FX, run properly — with the numbers stated before you commit.”
Founding principle · TIMEFX LTD

We work with importers, exporters, professional-services firms, e-commerce sellers and manufacturers across the UK, alongside individuals making significant international transfers. Every product is explained with its limits before anything is agreed, and there is a UK specialist to speak to when a payment or a rate needs attention.

How to reach us

+44 20 8987 8083 · hello@timefx.co.uk
Monday–Friday, 09:00–17:30 UK time

What we help with

What you can use TimeFX for.

Most conversations start with one of these and end up covering two or three, because in practice they are connected.

International business payments

Paying suppliers, contractors and subsidiaries abroad, with the beneficiary detail and timing checked before the payment goes out.

Multi-currency capability

Holding and receiving balances in the currencies you actually trade in, so receipts can fund payments without a round trip through sterling.

FX risk management

Understanding where rate movement reaches your margin, and which tools add certainty to committed future payments — including their limitations.

Currency planning and expertise

Working through timing, exposure windows and settlement routes with a UK specialist before you commit to a payment or a rate.

See our services in detail

Clients

Who we work with.

Most of our clients are UK businesses with a genuine cross-border requirement. We also support individuals making significant one-off transfers, such as an overseas property purchase.

Why businesses choose us

Built around the way international businesses move money.

What clients tell us they had before

  • Payments, conversion and currency planning split across three unrelated systems
  • Costs discovered on the confirmation rather than agreed in advance
  • Currency exposure noticed only when margin had already moved
  • Limited visibility of when a cross-border payment would actually land

What working with TimeFX looks like

  • Payments, multi-currency balances and FX tools handled in one place
  • Costs and process explained before you commit to anything
  • Currency planning discussed against real payment dates, not in the abstract
  • UK specialists who know your trading pattern and your payment routes
  • Payments that arriveBeneficiary detail, routing and value dates checked before money moves.
  • Plain EnglishNo costs hidden in complexity; if something is uncertain, we say so.
  • Currency, plannedExposure mapped to real payment dates, with the tools and their limits set out.
  • UK specialists to speak toDirect access to people who know your account, not a ticket queue.

Method

How TimeFX works

We start with how your money actually moves — which currencies come in, which go out, when, and what has to be certain by a given date.

That picture usually points to a combination of international payments, multi-currency accounts and, where appropriate, currency risk management. We explain what each product does and what it does not do before anything is agreed.

From there the journey is simple: understand your requirements, apply, complete the checks required for UK payment services, and start managing your international payments and FX with TimeFX. As your trading changes — a new market, a new currency, a larger forward commitment — we adjust the setup with you.

Your side of it

What you get from day one

  • Payments and currency in one place — send abroad, receive foreign revenue, hold the currencies you trade in.
  • Costs stated up front, so you know what a transaction will cost before you agree to it.
  • Practical currency planning around the dates and amounts your business has actually committed to.

Read the detail

Our regulatory disclosure sets out the legal and regulatory structure in full.

Onboarding

How becoming a client actually works.

Timelines depend on the regulatory checks every UK payment service must complete. We can be completely transparent about the sequence.

  1. 1

    Initial conversation

    You tell us the currencies, countries and payment patterns involved. We confirm whether we can help and outline the likely setup.

  2. 2

    Application

    You complete a short personal or business application. It collects initial details only — full verification comes later.

  3. 3

    Due diligence

    KYC and AML checks are carried out on the business and its beneficial owners, as UK regulation requires. We prepare you for what will be asked.

  4. 4

    Live and supported

    Once the account is open, we walk you through the first payments and stay as your ongoing point of contact.

What tends to slow things down

  • Ownership structures where beneficial owners are not immediately clear
  • Documents that are out of date or do not match company records
  • Payment patterns that differ from what was described at application
  • Waiting for information from a third party, such as an accountant

Ready to start?

Begin with a conversation, or go straight to an application — both reach the same UK team.

Make an enquiryStart an application

Compliance and transparency

Financial services attract a lot of marketing language. We would rather state plainly what is true.

  • No custody of client funds

    TimeFX does not hold customer money. Funds sit with our FCA-authorised payment provider under the safeguarding rules applicable to authorised firms.

  • No unsupported claims

    We do not publish savings percentages, guarantees or performance figures we cannot evidence. Costs are discussed directly, against your actual flows.

  • Rates move — and we say so

    Exchange rates fluctuate. The sterling value of a payment can change between booking and settlement unless a forward contract is in place.

  • Your data, your control

    We use enquiry details to respond to you, share them with the provider only when you ask us to progress, and delete them on request via hello@timefx.co.uk.

  • Guidance, not advice

    Information on this website is general guidance for UK businesses and does not constitute regulated financial advice.

  • A route to escalate

    If something goes wrong, our complaints procedure explains how it is handled and who is responsible for regulated activities.

The full regulatory disclosure, including the authorised provider and its permissions, is set out on our regulatory disclosure page and in the site footer.

FAQ

Questions about the company.

Where to go next

Get started

Speak with our team

Tell us about your business and the currencies you work in. We will respond within one UK business day.

We respond to enquiries within one UK business day.

Apply now Make an enquiryCall +44 20 8987 8083