Equals Money is a comprehensive financial technology solution designed to simplify money movement for businesses. As an embedded finance provider, Equals Money offers a suite of services that facilitate banking-as-a-service (BaaS), international payments, and spend management, enabling organisations to integrate financial services seamlessly into their existing operations. With over 18 years of experience and a robust infrastructure, Equals Money has established itself as a trusted partner for over 50,000 businesses, managing and moving more than £10 billion globally. The target audience for Equals Money includes businesses of all sizes looking to enhance their financial operations. Whether an SME needs to manage its expenses or a large corporation requires efficient international payment solutions, Equals Money caters to a diverse range of use cases. The platform supports over 140 currencies, offering favourable rates for corporate foreign exchange (FX) and international payments. This capability is particularly beneficial for companies operating in multiple markets, as it allows them to hedge against currency fluctuations* and streamline their payment processes. One of the standout features of Equals Money is its multi-currency accounts, which come with their own International Bank Account Number (IBAN). This allows businesses to manage over 35 currencies directly, facilitating seamless transactions without the need for currency conversion. The direct connection to major payment networks, including SWIFT and UK Faster Payments, ensures that users can send and receive funds efficiently. Additionally, the platform offers prepaid expense cards,** enabling teams to control spending with real-time transaction data and customisable limits, further enhancing financial oversight. Equals Money also provides spend management software that simplifies employee expense tracking and cash flow management. Managers can gain a comprehensive view of all transactions, issue cards rapidly, and set permissions based on team roles. This level of control not only streamlines monthly reconciliation processes but also integrates with popular accounting software like Xero and Concur® Expense, making it easier for businesses to maintain accurate financial records. Overall, Equals Money stands out in the financial technology landscape by offering a versatile, user-friendly platform that addresses the complex needs of modern businesses. With a commitment to safeguarding customer funds through designated accounts with Tier 1 banks, Equals Money ensures that users can trust their financial operations are secure while benefiting from a wide range of innovative features tailored to enhance their financial management capabilities. *Equals Money can only offer forward contracts to facilitate payments for goods and services. Once your rate is locked, please be aware that you are committed to that rate regardless of how it moves after booking. **Fees may apply to issue cards. Equals Money accounts are not covered by the Financial Services Compensation Scheme (FSCS). Instead, your money is protected via a safeguarding method in accordance with the Payment Services Regulations/ E-money Regulations. Money is held in specially designated safeguarded bank accounts with Tier 1 banks and is kept separate from company assets. Terms and Conditions apply, please see our product and pricing pages for rates, fees and charges. Please see product FAQs for further queries.