International business payments
Send funds globally 24/7, manage your transfers from one place, and get expert support every step of the way.
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
Make cross-border business payments simple, fast and secure
Whether you're paying overseas suppliers or expanding into new markets, we make your international payments simple, cost-effective and stress-free.
Competitive exchange rates and no transfer fees
Get a great deal whenever you exchange currencies.
Personal account manager and market insights
An expert on your side to help you navigate FX volatility.
24/7 transfers and Xero integration
Seamless systems that make international payments easy.
Tools to control cash flow and manage FX risk
Optimise profits and minimise risk with specialist transfer tools.
Manage global payments from a single business FX platform
Manage your international payments through a secure, streamlined online platform – available 24/7. No need for multiple bank accounts or middlemen. Just one place to check rates, move money, and stay in control.
24/7 online transfers up to $200,000
Make fast, flexible payments any time – and speak to your account manager for larger transfers.
Hold and manage funds
Store currency in your account for future transfers or bulk purchases when the rate is right.
Live exchange rates at your fingertips
Stay informed and act quickly with real-time rate visibility.
All your payment records in one place
Add and manage recipients, track your transfers, and download contract notes with ease.
“TorFX made managing exchange rates and payments effortless for us. Highly recommended, great company to deal with.”
Aus Railway Services
Xero bank feed integration
Save time and reduce manual errors by linking your international payments to your accounting software. Streamline your record-keeping and improve accuracy with automatic transaction syncing and real-time reconciliation.
Automatic import of transfer details into Xero
Your currency transfers are automatically recorded in Xero, eliminating the need for manual data entry.
Simplified invoice and payment matching
Easily match incoming and outgoing payments with the right invoices, keeping your books accurate and up to date.
Improved financial visibility and audit readiness
Stay on top of cash flow with clear, real-time reporting that supports compliance and financial planning.
Less admin, more efficiency
Cut down on repetitive tasks so your finance team can focus on higher-value work.
Expert support and market intelligence
With TorFX you get more than a payments provider – you get an experienced FX partner. We pair powerful tools with personalised support and up-to-date market intelligence, so you can make confident, informed decisions, even in unpredictable conditions.
Dedicated account management
Work one-on-one with an experienced account manager who understands your business. From day-to-day support to long-term planning, they’ll help you time your transfers, choose the right solutions, and get the most value from your payments.
Market insights and updates
Stay informed with tailored market commentary, rate alerts, and strategic updates that help you anticipate currency movements and act with confidence. Whether it’s reacting to the latest data or planning for what’s ahead, we’ll keep you in the know.
“TorFX are almost like family... Over the years my account manager has become someone I can totally rely on. The personal touch allows for quick currency transfers for my business, and their advice on unfamiliar currency exchanges, beyond Sterling, has been a definite asset.”
Union Jack
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.
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.
Let’s simplify your international business payments
Open a free business account today and start sending with confidence.
Frequently asked questions about international business payments
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’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.