The finance platform your bank should have built.
FX execution, rate hedging and full pricing transparency — one platform built for growing businesses operating internationally.
THE PROBLEM WE SOLVE
Why we exist
The tools to manage money across currencies have always existed. They just haven't been built for you.
For too long, the choice has been between a bank that makes it opaque, a broker that makes it complicated, or a payments app that doesn’t go far enough.
Alt21 was built for the businesses that sit between all three, growing and mid-market companies that need transparent FX, real hedging tools, and the infrastructure to manage it without adding complexity.
Rates are bundled with an embedded margin. You see one number. The cost is never disclosed.
Built for relationships, not platforms. You need to call to get a rate, every time.
Built for consumers and small transactions. Useful for spot not designed for businesses with real FX exposure.
Platform-first. Full pricing visibility before every trade. Experts available when the trade matters.
Rate embedded in every conversion. The margin isn’t a fee you approve it’s built into the rate before you see it. You can’t report it, benchmark it, or negotiate it. You just pay it.
0.2% – 0.5%
Average bank spread for SMEs
Margin embedded in the quoted rate. No disclosure, no benchmark, no comparison.
Low fees on spot. No visibility on what hedging costs because hedging usually isn’t available
Transparent margin shown before you confirm. You see the rate, the spread, and the all-in cost. Every time.
No self-serve FX. No hedging tools for SMEs. No API. Accounting integrations non-existent.
No modern platform. No self-serve. No accounting integrations. Operationally heavy for any finance team.
Spot conversions only. No forward contracts. No options. No structured strategies. No exposure reporting.
Spot, forwards and options in the platform. 1,200+ bank integrations. Xero, QuickBooks, NetSuite. API available.
FREE TO GET STARTED
See exactly what you'd pay. Open an account in 10 minutes. No subscription fee. No commitment. No credit card.
REAL TIME savings
See exactly what you’d pay on your next transaction. No account needed.
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Real time transparency
See the full cost of all transactions (including hedging) before you trade.
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No sign up or subscription fees
Get started without up-front costs, or subscription fees down the line.
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24/7 access
Manage your account anytime, anywhere.
The complete FX platform for growing businesses.
Transparent FX & Payments
Alt21 shows you the full cost rate, spread, all-in amount before you commit. Every single time. Your suppliers get paid the way they expect: euros to Germany, dollars to the US — no wire fees, no friction on their end.
Know what you’ll pay. Protect your margins
Alt21 gives you forwards, options, and target rate orders — directly in the platform, without a broker call. Expert support available for complex strategies.
Earn returns on idle cash
Most business accounts pay almost nothing on cash balances. Earn competitive returns on GBP, EUR, and USD — managed alongside your FX exposure, not in a separate account. No lock-in. Access your funds whenever you need them.
Connect your bank, books, and workflows
1,200+ bank integrations. Xero, QuickBooks, NetSuite. Approval rules, automated execution, real-time reporting. Alt21 provides scalable infrastructure designed for operational finance teams.
Clients trust Alt21 to move, protect & grow their money.
Only 10% of SMEs use FX hedging tools vs 92% of the world’s largest companies. We’re changing that.
Lost to hidden FX costs every year. Alt21 shows you every fee, every rate, before you confirm. No surprises.
Countries covered. Send payments in 180+ countries. Your suppliers receive funds the same way a local business would pay them.
For growing businesses at every stage of their FX journey
Delivering real results for real businesses.
FAQS
Everything you need to know about how Alt21 works
