Ebury Australia: Your Complete Guide to B2B International Financial Solutions

Simplifying International Trade for Australian Businesses

Managing international trade can feel like navigating a maze of high fees, complex processes, and currency risks. For Australian businesses looking to expand globally or streamline existing international operations, these challenges can severely impact profit margins and growth potential.

Ebury Australia addresses these pain points head-on, serving as your one-stop shop for international financial services. Since establishing our Australian presence in 2015, we’ve helped thousands of businesses—from e-commerce retailers to large importers—overcome the complexities of cross-border trade with our integrated platform of payments, FX risk management, and business lending solutions.

What sets Ebury apart is our unique combination of cutting-edge technology and human expertise. While many fintech providers offer automated, self-service platforms, Ebury provides dedicated relationship managers who understand the intricacies of international trade and work alongside you to develop bespoke strategies for your business needs.

Ebury’s Core Services: Your Complete Financial Toolkit

Ebury’s platform is designed to address every aspect of international trade finance, from simple payments to complex risk management strategies. Here’s how our three core services work together to support your global growth:

The Ebury Advantage: Why Choose Us Over Competitors

The international payments market offers numerous options, from traditional banks to modern fintech platforms. However, Ebury occupies a unique position that bridges the gap between basic transfer services and complex banking relationships.

Institutional Security with Fintech Innovation

As a majority-owned subsidiary of Banco Santander—one of Europe’s largest banks—Ebury combines the security and reliability of a major financial institution with the agility and innovation of a fintech company. This dual advantage means you get:

• The financial stability and regulatory oversight of a major bank
• The speed, transparency, and user experience of a modern fintech platform
• Access to Santander’s global banking network and liquidity
• Innovative technology solutions that traditional banks can’t match

Dedicated Relationship Management

Unlike purely self-service platforms, every Ebury client is assigned a dedicated relationship manager based in Australia. Your relationship manager becomes an extension of your finance team, providing:

• Personalised market insights and currency forecasting
• Bespoke hedging strategies tailored to your business model
• Proactive advice on optimal timing for large transactions
• Direct phone and email access for urgent requirements

Transparent, Competitive Pricing

Ebury’s pricing model is refreshingly straightforward: no account setup fees, no monthly subscription charges, and no hidden costs. Our revenue comes from a competitive spread on currency conversions, typically ranging from 0.01% to 5% depending on factors like transaction size, currency pair, and market volatility.

Regulatory Compliance & Security

Operating in Australia’s heavily regulated financial services sector requires strict adherence to compliance standards. Ebury Australia is:

• Licensed as an Australian Financial Services Licence (AFSL) holder under ASIC regulation
• Registered with AUSTRAC as a remittance dealer
• Subject to regular audits and compliance reviews
• Required to segregate client funds in accordance with Australian regulations

The Ebury Platform: Technology That Works for You

Ebury’s online platform combines powerful functionality with intuitive design, ensuring that both finance professionals and business owners can efficiently manage their international financial requirements.

Core Platform Features

Multi-Currency Dashboard

Monitor all your currency positions, pending transactions, and account balances from a single, comprehensive dashboard. Real-time updates ensure you always have current information for decision-making.

Advanced Reporting & Analytics

Generate detailed reports for accounting, compliance, and analysis purposes. Export transaction data in multiple formats and integrate seamlessly with popular accounting software like Xero and MYOB.

Mobile Accessibility

Access critical functions from your mobile device, including transaction approvals, balance checks, and market rate monitoring. The mobile-optimised interface ensures full functionality whether you’re in the office or travelling.

API & Integration Capabilities

For businesses requiring deeper integration, Ebury’s API enables:

• Automated payment processing based on your business rules
• Real-time exchange rate feeds for your applications
• Seamless integration with ERP systems, e-commerce platforms, and accounting software
• Custom reporting and data extraction capabilities

Security & Risk Management

The platform employs bank-grade security measures including:

• 256-bit SSL encryption for all data transmission
• Multi-factor authentication for account access
• Segregated client accounts for fund protection
• Real-time fraud monitoring and prevention systems

Transparent Pricing: No Hidden Fees, Just Great Value

One of the most frustrating aspects of traditional banking is the complexity and opacity of pricing structures. Ebury’s approach is refreshingly different: complete transparency with competitive rates that often significantly undercut traditional banks.

How Ebury’s Pricing Works

No Setup or Monthly Fees

Unlike many financial service providers, Ebury charges no upfront setup fees, monthly account maintenance fees, or subscription charges. You only pay when you use our services.

Competitive Currency Spreads

Our revenue model is based on a spread applied to the mid-market exchange rate. This spread varies based on several factors:

• Transaction Size: Larger transactions typically receive more competitive rates
• Currency Pair: Major currency pairs (AUD/USD, AUD/EUR, AUD/GBP) often have tighter spreads
• Market Volatility: Spreads may adjust during periods of high market volatility
• Relationship Volume: Regular clients with high volumes receive preferential pricing

Transparent Rate Quotes

Every transaction quote clearly shows:

• The mid-market rate at the time of quote
• The rate you’ll receive
• The exact amount your recipient will receive
• Any applicable fees (which are rare and clearly stated)

Cost Comparison Example

Consider a Sydney business sending AUD $100,000 to a US supplier:

• Traditional Bank: Might charge a $25 transfer fee plus offer an exchange rate 3-4% below market, costing approximately $3,025 in total fees
• Ebury: Typically offers rates within 0.5-1.5% of mid-market with no transfer fees, resulting in total costs of $500-$1,500

Potential Savings: $1,525-$2,525 on a single transaction

Building Trust: Ebury’s Credibility & Track Record

In the financial services sector, trust isn’t just important—it’s everything. Australian businesses need confidence that their international payment provider is reliable, secure, and compliant with local regulations.

Global Heritage, Local Expertise

Founded in London in 2009, Ebury has grown to become one of Europe’s leading fintech companies, now operating across 19 countries with over 1,500 employees worldwide. Our Australian operations, established in 2015, benefit from this global experience while maintaining deep local market knowledge.

Institutional Backing

Banco Santander’s majority ownership of Ebury provides several critical advantages:

• Financial Stability: Santander’s €2+ trillion in assets provides unparalleled financial backing
• Regulatory Expertise: Santander’s experience navigating complex international regulations benefits Ebury’s compliance programs
• Global Network: Access to Santander’s worldwide banking relationships enhances service delivery
• Innovation Investment: Santander’s commitment to fintech innovation ensures continued platform development

Strategic Partnerships

Ebury’s partnership with ABN Australia demonstrates our commitment to serving the Australian market. This collaboration provides payroll and employer-of-record services, showcasing our ability to handle complex, high-volume payment requirements for established Australian businesses.

Industry Recognition

Our commitment to service excellence has earned recognition from:

• Property Funds Association Australia (corporate membership)
• Various fintech industry awards for innovation and customer service
• Regulatory commendations for compliance excellence

Getting Started with Ebury: Your Path to Better International Finance

Transitioning to a new financial services provider can seem daunting, but Ebury’s onboarding process is designed to be simple, fast, and supportive. Most Australian businesses can be operational within 48-72 hours of completing their application.

The Onboarding Process

Step 1: Initial Consultation

Your journey begins with a comprehensive consultation with one of our Australian-based relationship managers. During this call, we’ll:

• Understand your current international payment challenges
• Analyse your transaction volumes and patterns
• Identify opportunities for cost savings and process improvements
• Recommend the most suitable Ebury services for your needs

Step 2: Account Setup & Documentation

We’ll guide you through the required documentation, which typically includes:

• Business registration documents (ASIC company extract)
• Directors’ identification and verification
• Bank statements and financial information
• Details of intended transaction patterns

Step 3: Platform Training & Integration

Once your account is approved, your relationship manager will provide:

• Comprehensive platform training for your team
• Assistance with API integration (if required)
• Setup of automated processes and reporting
• Creation of user permissions and approval workflows

Ongoing Support & Relationship Management

Your relationship with Ebury extends far beyond the initial setup. Your dedicated relationship manager provides ongoing support including:

• Regular market updates and currency forecasting
• Quarterly business reviews to optimise your international finance strategy
• Proactive advice on hedging opportunities
• Support during periods of high transaction volume or complexity

Making the Switch: Migration Support

Concerned about disrupting your current processes? Ebury’s migration support includes:

• Parallel running with your existing provider during transition
• Assistance updating supplier and customer payment details
• Coordination with your accounting team to ensure seamless integration
• Standby support during your first month of operations

Take the Next Step: Transform Your International Finance Operations

Whether you’re a growing e-commerce business frustrated with high bank fees, an established importer seeking better FX risk management, or a large corporation requiring sophisticated international payment solutions, Ebury has the expertise and platform to transform your operations.

Ready to Get Started?

The first step is a no-obligation consultation with one of our Australian relationship managers. During this call, we’ll analyse your current costs, identify improvement opportunities, and provide a customised proposal showing potential savings and operational benefits.

Continue Learning

Explore our comprehensive guides to deepen your understanding of international finance:

• Master Ebury’s International Payments & Collections – Learn how to streamline your cross-border transactions
• Protect Your Profit Margins with FX Risk Management – Discover how to hedge against currency volatility
• Flexible Trade Finance for Importers – Understand how to bridge cash flow gaps while strengthening supplier relationships
• Compare Ebury vs Competitors – See how Ebury stacks up against other international payment providers
• Review Customer Feedback & Trust Indicators – Read honest assessments of Ebury’s reliability and service quality

Important Considerations