Foreign exchange, without the middleman
The real rate is the one banks quote each other. The rate you get is worse, and the difference never appears on your receipt. ZenFX matches you directly with someone who wants the opposite trade — so you both get the real one.
How it works
You have pounds and need francs. Across town, someone has francs and needs pounds. The old system puts a dealer between you and charges you both. ZenFX just introduces you.
Name the amount and the rate you'll accept. Take the live rate now, or set your own and wait for it.
ZenFX finds someone wanting the opposite trade and pairs you at the mid-market rate. No dealer, no spread.
Your new currency lands on a card. Tap and pay wherever you're going, or hold it until you travel.
The film
Press play, then pick a length. Same story, cut for the time you have.
On a £2,000 holiday budget, that's the gap. Every trip, every time — and it never appears as a line on the receipt.
No dealer in the middle taking a cut. You both get the rate the banks quote each other.
Name the rate you want. Your order waits until someone takes the other side — so your travel money is ready before you've packed.
Independent systems all have to agree before a trade is final. Once they do, the record can't be quietly edited later — not by anyone, including us.
Every trade accounted for, gains calculated, formatted to the international reporting standard.
The real rate · Your money · Wherever you're going
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Data Control Signature · US Patent 11,265,175 B2
What you get
Going away in spring? Name your rate now. The order waits until someone takes the other side, and your travel money is ready before you've packed.
Every currency you hold gets its own card. Tap and pay abroad with what you already exchanged — no airport queue, no counting notes.
Barclays, Deutsche Bank, UBS, JPMorgan, DBS, MUFG and HSBC — one for each currency. Your money doesn't sit with us.
Independent systems must agree before a trade is final. Once they do the record is fixed, and nobody can quietly edit it afterwards.
What you gave, what you got, the rate and the moment — sealed, and verifiable by anyone you need to show.
Gains calculated on your chosen basis and formatted to the international standard, across seven jurisdictions.
Try it
ZenFX is in testing. Grab a build, place an order, watch it match and settle, and see the receipt land. Setup takes about two minutes.
Install.Install again.TestFlight app from the App Store.Accept, then Install.This is a test build. Trade with it freely — orders, matching, settlement and receipts all work end to end, and no real money moves. Balances and cards are for testing only.