FX & international payments for business
Streamline your global transfers, protect your profits, and get expert FX support – all from one powerful business account.
Multi-award-winning
A trusted service used by thousands of businesses worldwide
Over 20 years of FX expertise
Helping businesses navigate currency markets with confidence
$20 billion transferred annually
Simplicity, security and savings in every transaction
Send 40+ currencies to 120+ countries
Global reach with local support
Business foreign exchange services
Your business needs are unique. That’s why we always take a personalised approach, whether you need help with regular cross-border payments, currency exchange, or FX risk management.
Dedicated account management
Personalised guidance and ongoing support from a currency expert who knows your specific business requirements.
A range of transfer services
From simple spot transfers to tailored risk management strategies – we have a range of tools and services to suit your needs.
Expert market insights
Sign up to regular market commentary to keep up to date with the latest currency movements, or contact your account manager for unique insights.
Manage global payments with our online FX platform
Manage multiple currencies from one easy-to-use online account, streamlining your overseas business payments and putting you in control.
“We used to use the bank who would charge us more. Since using TorFX the payments are faster and so much cheaper than the bank, we also like the personalised service and working with the same account manager.”
Rescue Mission for Children
Our global payment solutions
Simplify your international payments
From one-off invoices to managing multi-currency transactions, we make it easy to send money overseas – with competitive rates, expert support, and Xero integration to streamline your processes.
Protect your profit with personalised risk management
With a TorFX business account, you’ll have access to powerful risk management tools and expert insights to help you keep your cash flow under control.
Trusted by businesses worldwide
From global enterprises to growing startups, thousands of businesses trust TorFX to manage their international payments with speed, security and confidence.
Here’s why they choose us:
Regulated and reliable
We’re regulated by ASIC in Australia and the FMA in New Zealand and comply with the relevant regulatory bodies in every country where we operate. We safeguard funds in segregated client accounts*, follow strict compliance procedures, and hold the highest credit rating with Dun & Bradstreet.
Multi-award-winning
Our dedication to outstanding service, excellent rates and robust security has earned us the trust of businesses around the world. We've received multiple awards, including Canstar’s 5-Star Rating for Outstanding Value International Money Transfers eight years running, and thousands of five-star reviews on Trustpilot. 
* We take full responsibility for operating our safeguarding accounts and keeping client funds securely segregated. These accounts are not monitored by our banking partners. 
FX services for all your international payment needs
Our FX services support a wide range of business needs, helping you move money efficiently, mitigate currency risk, and unlock global growth opportunities.
Supplier and vendor payments
Pay international suppliers, manufacturers, or service providers efficiently, with risk management tools to protect your margins.
Customer and client receivables
Receive international payments from clients or customers and manage FX risk on incoming revenue.
Shipping, logistics and trade
Manage FX for freight, customs, and global shipping costs, with payments aligned to international trade cycles.
Payroll and contractor remittances
Pay overseas employees, contractors, or freelancers in their local currency accurately, on time, and without FX surprises.
Capital and investment flows
Move funds for property, investment, M&A, or shareholder distributions, with strategies to lock in favourable exchange rates.
Overseas projects and operations
Support international operations or projects with cross-border payments for materials, services, or on-the-ground teams.
Treasury and intercompany transfers
Move money between entities, manage liquidity, and hedge group-wide exposure – all from a central FX strategy.
Grants, tuition and donations
Transparently and securely send or receive cross-border funds related to education, research, aid, or philanthropy.
Solicitor and legal settlements
Manage overseas transfers for property sales, inheritance distributions, or cross-border legal settlements with speed, accuracy, and easy record keeping.
Trust and charity payments
Send or receive international funds for trusts, foundations, or charitable causes securely, transparently, and with maximum value for beneficiaries.
“TorFX has been great. I like dealing directly with my account manager to keep an eye on rates and book transfers, and I much prefer the personalised service.”
Australian Art Enterprises
Business case studies
Read real-world examples of how we’ve helped businesses make their international payments fast, secure and cost-effective.
Aus Railway Services
Personalised FX support and forward contracts helped Aus Railway Services lock in certainty and protect cash flow.
Rescue Mission for Children
Smarter FX guidance and faster international transfers helped Rescue Mission for Children Inc. stretch every donated dollar further.
Australian Art Enterprises
Hands-on FX guidance helped Australian Art Enterprises plan costs with confidence and simplify overseas payments.
Union Jack
Trusted, relationship-led FX support has helped Union Jack move money faster and avoid costly bank fees for over a decade.
Streamline your global payments and FX needs
Open a free account today to find out how we can help your business.
Frequently asked questions about global payments solutions for business
Business foreign exchange (FX) is the process of converting currencies for commercial purposes, such as paying overseas suppliers, receiving international payments, or managing foreign payroll. It allows companies to operate globally and manage currency risk. Businesses often use FX services to access better rates, reduce fees, and protect themselves from exchange rate fluctuations through tools like forward contracts or market orders.
A global payment solution enables your business to send and receive money internationally, in multiple currencies, quickly and securely. It simplifies cross-border transactions and helps you manage currency risk, costs, and compliance.
An international business payment is a transfer of funds from your business to a recipient in another country, typically involving currency exchange. These payments are often used for paying overseas suppliers, employees, partners, or invoices.
Once your business account is set up, you can make payments 24/7 online or through your dedicated account manager. You'll have access to live exchange rates, fast transfers, and easy recipient management via your online dashboard.
No – we don’t charge transfer fees for business payments. You also benefit from competitive exchange rates that can save your business money on every transfer.
Yes. We’re regulated by ASIC and the FMA and follow strict regulatory guidelines. Client funds are kept in segregated accounts and we have the highest credit rating with Dun & Bradstreet. Our security of funds page has more information.
Yes. We offer forward contracts that let you lock in a rate for up to six months, shielding your business from currency volatility. While you won’t benefit if the rate improves, you’ll be protected from negative shifts and able to budget with certainty.
You can use forward contracts, limit orders, and stop loss orders to manage risk. These tools help you lock in rates, target favourable ones, or protect against adverse market movements.
Absolutely. SMEs with international exposure can benefit just as much as large corporations. Tailored strategies can help reduce costs, increase financial predictability, and support growth overseas.
You’ll be assigned a dedicated account manager who understands your business goals. They’ll provide personalised support, rate alerts, and market insights to help you make informed decisions.
Yes, you can connect your TorFX account to Xero to streamline your reconciliation, reduce admin, and keep your records up to date automatically.
Most major currency transfers are completed within 1-2 working days, depending on the destination and currency involved.
There’s no minimum or maximum transfer amount. Payments under $200,000 can be made 24/7 online and your account manager is there to help with larger transfers.