Frequently Asked Questions

---

Your funds are always safeguarded by our tier-one regulated banking and FX partner. 

Your funds are ring-fenced and never make up part of our PnL and do not appear on our balance sheet. 

Think of us as your bridge: your money flows through regulated channels, with the added benefit of our personal oversight and care.

We partner exclusively with FCA- and globally regulated institutions who move billions in FX every year. Our team have spent years in these regulated environments, so we know compliance inside-out. What we add is speed, clarity, and a human relationship—without the red tape.

We cover the essentials and the strategic:

• Spot FX for quick, competitive transfers
• Forward contracts to lock in tomorrow’s rate today
• Multi-currency accounts (MCAs) to hold and move funds like a global business
• Tailored credit facilities where appropriate
• Concierge for luxury travel and exclusive access to vip events from Wimbledon Finals to the Oscars.

Our clients include:

• SMEs across the UK, Europe, UAE, and Canada trading internationally
• Professional FX clients needing bespoke strategies
• Individuals moving funds for investments, property, family support abroad or repatriating their salaries. 

With Montrose, you’re never just another account number. We combine the safety and reach of global institutions with the service of a family-run boutique. You’ll always have a direct line to someone who knows your story—no bots, no endless call centre queues.

We’re fair, transparent and competitive with live rates available in your portal or via a quick phone call. 

You’ll never see hidden fees or confusing mark-ups—just straightforward pricing explained in plain English. 

Yes. Whether it’s a small invoice, a multi-year forward contract, or a seven-figure property purchase, we have the partnerships and expertise to manage it—efficiently and securely.

Very fast, we strip away unnecessary layers of bureaucracy and often settle transactions quicker than banks or large platforms. Depending on the currency and destination, same-day or near-instant transfers are possible. 

Three things set us apart:

• Trustworthy expertise – decades of combined FX and financial services experience
• Personal connection – a direct relationship, not a faceless process
• Transparency – no small print, no surprises

Big enough to handle it. Small enough to care.

Just call or email us directly. You’ll speak with one of our founders or senior advisors straight away. We’ll talk through your needs, explain your options clearly and guide you through onboarding step by step. 

You could but here’s why our clients don’t: 

• Personal relationship: with us, you always have a direct human who knows your goals.
• Advocacy and speed: we cut through red tape on your behalf.
• Tailored strategies: beyond just “an account,” we help you choose the right tools—spot, forward, MCA—at the right time.
• Clarity: we explain everything simply with no hidden costs or jargon.

If you want just infrastructure, go direct. If you want infrastructure plus a trusted human partner who makes it work for you, that’s Montrose.