Making foreign exchange simple, transparent, and most importantly, all about you.

At Rayt, we offer a range of services that can be tailored to fit your exact needs. Whether you’re after quick transfers or need help managing currency risk, we’ve got the expertise and the personal touch to make it happen.

Start now

Talk to us

See what our clients say

       
 
 
 5.0 
 Top Rated Service 2026 
 verified by Trustindex 
 Trustindex verifies that the company has a review score above 4.5, based on reviews collected on Google over the past 12 months, qualifying it to receive the Top Rated Certificate.

Local experience,
global reach

Capabilities in
130+ currencies

Transact in
200+ countries

Secure
& regulated

Here to level the playing field for small and medium-sized businesses.

Why settle for being just another number in a system when you can have a team that knows your name, your business, and your goals?

At Rayt, we don’t just throw around fancy terms – we give you real savings, honest service, and a relationship you can count on. Together with our partner, Ebury, we offer competitive foreign exchange rates and transparent processes so you get more value with zero surprises. Let us handle the details while you focus on what you do best.

Curious about how much
you could save?

Let’s find out – Get Your Free
No Obligation Rate
Comparison Today!

Rate Comparison - Call Request

Products

Pay, receive, and protect – we’ve got you covered.

From paying overseas staff to managing currency risk, we’ve got the tools to help your business thrive in the global market.

At RAYT, we know that every business is unique. With access to a suite of foreign exchange and international payment solutions designed to fit your specific needs, we can support your business whether you are making payments, receiving funds or managing currency risk.

With competitive foreign exchange rates, secure transactions, and a personal touch, we make sure you have everything you need to succeed in the global economy.

Spot Trade

Need some foreign currency, like, yesterday? A spot transfer allows you to buy and send currency at the current available rate. It is a straightforward option when timing matters, with support from the RAYT team throughout the process.

Ready to roll?

Get started with Spot Trades today

Forward Contract

Need greater certainty over a future currency payment? A forward contract allows you to agree an exchange rate today for settlement on a future date, helping your business manage the impact of currency movements.

Get paid faster.

Secure your future rate now

Limit Orders

Have a target exchange rate in mind? A limit order allows you to nominate a preferred rate. If the market reaches that rate, the transaction can be executed, subject to the applicable terms and available market liquidity.

Stay ahead of the game.

Get your Target Rate locked in today

Multi-Currency Accounts

Opening international bank accounts can be challenging and time-consuming. RAYT can help your business access virtual multi-currency accounts through our partnership with Ebury, enabling you to send and receive payments in local currencies across multiple markets.

Worldwide payment accounts.

Open your Multi-Currency Account today

Trade Finance

Flexible Trade Finance solution providing you with credit to help finance your international goods and services. You can pay as you go with payment terms up to 150 days. There are no upfront or collateral requirements, noting we will have to establish credit worthiness.

Flexible credit solutions.

Finance your international goods and services

Options Contract

Grants your business the right, but not the obligation, to buy or sell a currency at a pre-set price within a given timeframe. You will have the flexibility to manage currency exposure with customized contracts to suit your specific needs.

Pre-set price and timeframe.

Start managing your currency exposure

Spot Trade

Need some foreign currency, like, yesterday? A spot transfer allows you to buy and send currency at the current available rate. It is a straightforward option when timing matters, with support from the RAYT team throughout the process.

Ready to roll?

Get started with Spot Trades today

Forward Contract

Need greater certainty over a future currency payment? A forward contract allows you to agree an exchange rate today for settlement on a future date, helping your business manage the impact of currency movements.

Get paid faster.

Secure your future rate now

Limit Orders

Have a target exchange rate in mind? A limit order allows you to nominate a preferred rate. If the market reaches that rate, the transaction can be executed, subject to the applicable terms and available market liquidity.

Stay ahead of the game.

Get your Target Rate locked in today

Multi-Currency Account

Opening international bank accounts can be challenging and time-consuming. RAYT can help your business access virtual multi-currency accounts through our partnership with Ebury, enabling you to send and receive payments in local currencies across multiple markets.

Worldwide payment accounts.

Open your Multi-Currency Account today

Trade Finance

Flexible Trade Finance solution providing you with credit to help finance your international goods and services. You can pay as you go with payment terms up to 150 days. There are no upfront or collateral requirements, noting we will have to establish credit worthiness.

Flexible credit solutions.

Finance your international goods and services

Options Contract

Grants your business the right, but not the obligation, to buy or sell a currency at a pre-set price within a given timeframe. You will have the flexibility to manage currency exposure with customized contracts to suit your specific needs.

Pre-set price and timeframe.

Start managing your currency exposure

Talk to us about foreign exchange

Personal

We don’t do one-size-fits-all. Custom Foreign Exchange Services, Just for You.

Choosing Rayt means choosing flexibility, transparency, and service with a smile. We craft our services to fit like a glove, ensuring you get the right foreign exchange rates without any hidden fees.

And with Rayt, you’re never just another customer – you’re a valued partner.

International Investment Transfers

Moving funds internationally for an investment can involve exchange-rate movements and timing considerations. RAYT can support the foreign exchange and payment process, helping you arrange international transfers in line with your transaction requirements. RAYT provides general information and transaction support only and does not provide investment or financial advice.

Ready to roll?

Real Estate

International real estate can be challenging, but we simplify the process. Whether you’re buying or selling property overseas, we help you secure the most favourable exchange rates, reducing costs and maximising your investment. Our experts are here to help you through every step, providing insights into local market trends and managing currency fluctuations.

Lock it in.

Emigrating

Emigrating, whether for work, leisure or retirement is the adventure of a lifetime. As any move abroad comes with certain international money transfer commitments, we like to make sure that your adventure gets off to the best possible start by providing excellent exchange rates and fast transfers.

Set it and forget it.

International Investment Transfers

Moving funds internationally for an investment can involve exchange-rate movements and timing considerations. RAYT can support the foreign exchange and payment process, helping you arrange international transfers in line with your transaction requirements. RAYT provides general information and transaction support only and does not provide investment or financial advice.

Ready to roll?

Real Estate

International real estate can be challenging, but we simplify the process. Whether you’re buying or selling property overseas, we help you secure the most favourable exchange rates, reducing costs and maximising your investment. Our experts are here to help you through every step, providing insights into local market trends and managing currency fluctuations.

Lock it in.

Emigrating

Emigrating, whether for work, leisure or retirement is the adventure of a lifetime. As any move abroad comes with certain international money transfer commitments. At Rayt we like to make sure that your adventure gets off to the best possible start by providing excellent exchange rates and fast transfers.

Set it and forget it.

Talk to us about our personal services

What our clients say.

    
 
 
      Posted on Google  
   
   Edward Farrant 
 315 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We have found Harry and Jay to be extremely helpful over the number of years that we have worked with them.  They always process our requests promptly and nothing is ever a problem.  They are also wonderful at checking in regarding overseas currencies.  We highly recommend them.
  
 
     Posted on Google  
   
   Accounts Mil-tek 
 334 days ago
 
 
 Trustindex verifies that the original source of the review is Google. RAYT is by far the best site our team have used for our foreign currency transactions.  We have used RAYT since late 2024, rates are competitive and it the process is seamless every time.
  
 
     Posted on Google  
   
   ROSANNE roberts 
 355 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We have used Jay and Harry for some time.  We have always found trades to process fast, and suppliers receive them in a timely manner.  They are great to deal with and if the rates are moving in a favorable direction always advising us to be able to get the best for our business.
  
 
     Posted on Google  
   
   Anna Heuer 
 356 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Easy to use system, great rates and knowledgeable staff. Highly recommend Rayt.
  
 
     Posted on Google  
   
   Sylvia Dovaston 
 357 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Super happy to be a customer from day one. If you are looking for FX transactions with a personal touch, give Rayt a go. Harry and Jay have many years of experience and knowledge and provide great customer service. Our suppliers receive their payments quicker than ever before so it's win/win all around.
  
 
     Posted on Google  
   
   Gaylene Emett 
 364 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Happy first Birthday
Thank you for your support and help over the last year.
Always quiet to answer any questions and getting us the best rates.  Great team to work with.
  
 
     Posted on Google  
   
   Melissa Bishop 
 364 days ago
 
 
 Trustindex verifies that the original source of the review is Google. A friendly, reliable and knowledgeable staff who are always available for help with payments and advice on best times to make overseas transactions in the current market.
Easy to deal with. Quick process. Trustworthy. Could not ask for better.
  
 
     Posted on Google  
   
   Jacky vdp 
 365 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Love working with Rayt.  Great Commuincation and I feel more than just a customer.
  
 
     Posted on Google  
   
   Denise Tetlow 
 370 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Super service from Harry :)
Easy, efficient and friendly to deal with
Strongly recommend
Denise (Legend UPVC Windows and Doors Limited)
  
 
     Posted on Google  
   
   Nicky Holland 
 370 days ago
 
 
 Trustindex verifies that the original source of the review is Google. These guys are awesome to deal with. Friendly and always accessible, great advice that is essential to our business flourishing, and an easy to use customer portal that allows us access "live" rates and complete foreign currency exchange and international payments no matter the time or day of the week. All in all, a first RAYT service! ;)

Testimonials reflect the personal experiences and opinions of the individuals named. They may not be representative of the experience of others and have not been independently verified. Individual experiences and outcomes may vary. Testimonials should not be relied upon as financial or investment advice.

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Making foreign exchange simple, transparent, and most importantly, all about you.

Pay, receive, and protect – we’ve got you covered.

Custom Foreign Exchange Services, Just for You.

Here to level the playing field for small and medium-sized businesses.

Rate Comparison - Call Request

Pay, receive, and protect – we’ve got you covered.

We don’t do one-size-fits-all. Custom Foreign Exchange Services, Just for You.

What our clients say.

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