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.
See what our clients say
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?
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No Obligation Rate 
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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?
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.
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.
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.
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.
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.
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?
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.
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.
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.
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.
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.
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.
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?
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, 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.

What our clients say.

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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We’re people too, so if you want to call or email first then please do!
Call us
NZ: 09 888 4452
AU: 1800 958 312
AU: +61 25104 6131
Email us:
info@raytfx.com
RAYT is a proud member of the Waikato Chamber of Commerce
Rayt NZ limited trading as RAYT-NZBN (9429052366703) is an Authorised Representative (ASIC AR Number: 001316945) of Ebury Partners Australia Pty Limited (ACN 632 570 702) which holds an Australian Financial Services Licence (520548).

RAYT Pty Limited trading as RAYT-ABN (12 694 386 144) is an Authorised Representative (ASIC AR Number:001321183) of Ebury Partners Australia Pty Limited (ACN 632 570 702), which holds an Australian Financial Services Licence (520548).

Ebury Partners Australia Pty Ltd (‘Ebury’) ABN 54632570702, NZBN 9429050428649, Australia Registered Office : Level 20, 201 Elizabeth Street, Sydney NSW 2000 ; New Zealand Registered Office: Level 14, 34 Shortland Street, Auckland Central, Auckland, 1010 . Ebury is authorised and regulated by the Australian Securities and Investments Commission (ASIC) to provide financial services under Australian Financial Services License (AFSL) 520548 and registered on the New Zealand Financial Services Provider Register - FSP1004606. Ebury is a registered AML reporting entity with the Australian Transaction Reports and Analysis Centre (AUSTRAC) and with the New Zealand Department of Internal Affairs (DIA). Ebury is a member of Financial Services Complaints Ltd, member number 9007.
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