Global Business Made Easy.
Global Business Made Easy.
GLOBAL BUSINESS MADE EASY
Expert-led Foreign Exchange and International Payments.
Expert-led Foreign Exchange and International Payments.
We give ambitious businesses and individuals access to institutional-grade capability without institutional friction or cost. No separation between guidance and execution.
We give ambitious businesses and individuals access to institutional-grade capability without institutional friction or cost. No separation between guidance and execution.
Our Approach
Tag
Institutional pricing.
Privately owned.
Free from pressure and led by values.
With over 40 years of combined experience across FX, payments and financial markets, we’ve sat on both sides of the desk — managing clients, hedging risk and building teams inside large institutions.
Expert-Led Execution
Our team brings deep market experience from some of the largest institutions in FX and financial markets, combining guidance and execution for better client outcomes
Expert-Led Execution
Our team brings deep market experience from some of the largest institutions in FX and financial markets, combining guidance and execution for better client outcomes
Whole-of-Market Access
Access multiple providers, not limited to a single source
Whole-of-Market Access
Access multiple providers, not limited to a single source
Whole-of-Market Access
Access multiple providers, not limited to a single source
Institutional Infrastructure
Leverage institutional-grade systems for reliable, competitive pricing and scalable performance
Institutional Infrastructure
Leverage institutional-grade systems for reliable, competitive pricing and scalable performance
Institutional Infrastructure
Leverage institutional-grade systems for reliable, competitive pricing and scalable performance
What We Do
Personalised Support from Certified Experts.
What We Do
Personalised Support from Certified Experts.
With over 40 years of combined experience across FX, payments and financial markets, we’ve sat on both sides of the desk — managing clients, hedging risk and building teams inside large institutions.
International Payments
Move money globally with speed, transparency and control.
International Payments
Anxiety, depression, trauma, grief & more
FX & Risk Management
Manage currency exposure and protect margins.
Expert guidance
Manage currency exposure and protect margins.
FX & Risk Management
Manage currency exposure and protect margins.
Currency Accounts
Manage, receive, and convert multiple currencies without local accounts.
Supportive team
Join our space where you're never alone.
Currency Accounts
Manage, receive, and convert multiple currencies without local accounts.
Trade Finance
Pay suppliers upfront while preserving your cash flow.
Real Results
Pay suppliers upfront while preserving your cash flow.
Trade Finance
Pay suppliers upfront while preserving your cash flow.
Why Thero Markets
Built on 40 Years of Experience and Expertise to Improve Client Outcomes.
We've sat on both sides of the desk - Building our own companies, managing clients & hedging risk, and building teams inside large institutions
The Market Reality
The Structural Problem
Our Model
Why This Matters
The Market Reality
As providers scale, service fragments.
Teams become siloed.
Execution becomes disconnected.
Responsibility disappears.
Financial decisions become transactional when they should be strategic.
Why Thero Markets
Built on 40 Years of Experience and Expertise to Improve Client Outcomes.
The Market Reality
The Structural Problem
Our Model
Why This Matters
The Market Reality
As providers scale, service fragments.
Teams become siloed.
Execution becomes disconnected.
Responsibility disappears.
Financial decisions become transactional when they should be strategic.
Why Thero Markets
Built on 40 Years of Experience and Expertise to Improve Client Outcomes.
The Market Reality
The Structural Problem
Our Model
Why This Matters
The Market Reality
As providers scale, service fragments.
Teams become siloed.
Execution becomes disconnected.
Responsibility disappears.
Financial decisions become transactional when they should be strategic.
Who We Help
Businesses and Individuals With Global Currency Exposure
We combine market expertise with access to leading financial infrastructure to help clients navigate cost effective payments, collections, business lending, and FX risk management solutions.
Who We Help
Businesses and Individuals With Global Currency Exposure
We combine market expertise with access to leading financial infrastructure to help clients navigate cost effective payments, collections, business lending, and FX risk management solutions.
Who We Help
Businesses and Individuals With Global Currency Exposure
We combine market expertise with access to leading financial infrastructure to help clients navigate cost effective payments, collections, business lending, and FX risk management solutions.
Importers & Exporters
Buying stock from Europe, Asia or the US and paying in foreign currency - or selling overseas and receiving it.
International Businesses
Companies with overseas subsidiaries, payroll in foreign currencies, or regular supplier payments outside the UK.
SMEs Going Global
Growth businesses expanding into new markets who need guidance managing currency risk before it impacts profitability.
Property Buyers Abroad
Clients purchasing holiday homes in Spain, France or Portugal - often losing thousands on bank rates at point of completion.
High-Net-Worth Individuals
Private clients with overseas income, investments, pensions or assets denominated in foreign currencies.
Charities & NGOs
Organisations sending funds internationally for projects and programmes, where every penny counts.
We serve our clients with institutional-grade capability
Our Global Payment Solutions
We serve our clients with institutional-grade capability
Our Global Payment Solutions
You are dealing with senior operators, not junior account managers. Decisions are made with real market understanding, not scripts.
We serve our clients with institutional-grade capability
Our Global Payment Solutions
International Payments
Move funds globally with efficiency and control across 130+ currencies
Send and receive funds internationally
Competitive FX pricing
Fast, secure settlement
Designed for businesses operating across borders.
FX & Risk Management
Manage currency exposure with clarity and control.
Spot and forward contracts
Structured hedging strategies
Tailored to your business and cash flow
We focus on protecting margin, not just executing trades.
Global Currency Accounts
Operate internationally without the need to open multiple global bank accounts
Every client has 37 currency accounts
Get paid, manage and convert funds easily
Simplify global cash management
Built for businesses and individuals managing multiple currencies.
Global Currency Accounts
Operate internationally without the need to open multiple global bank accounts
Every client has 37 currency accounts
Get paid, manage and convert funds easily
Simplify global cash management
Built for businesses and individuals managing multiple currencies.
The Team
Expert-Led. Founder-Built. Relationship-Driven.
Thero Markets is built by experienced operators across FX and financial markets, with over 40 years of combined experience in corporate FX and payments, institutional dealing, and partnerships and distribution.
The Team
Expert-Led. Founder-Built. Relationship-Driven.
Thero Markets is built by experienced operators across FX and financial markets, with over 40 years of combined experience in corporate FX and payments, institutional dealing, and partnerships and distribution.
The Team
Expert-Led. Founder-Built. Relationship-Driven.
Thero Markets is built by experienced operators across FX and financial markets, with over 40 years of combined experience in corporate FX and payments, institutional dealing, and partnerships and distribution.
Matt Crate
Managing Director
15+ years in FX and international payments, from corporate sales to senior leadership across Europe and the UK
Former Managing Director for a leading global FX provider
Founded Toucan Giving, acquired by PAYA Group (2022), whose technology now underpins the Royal British Legion's Poppy Appeal and JustGiving's contactless fundraising infrastructure nationally
Outside work, Matt can be found in soft play centres with his five-year-old, playing guitar, or hunched over a barbecue in pursuit of becoming a Texan pit master.
Adam Jordan
Head of Dealing
20+ years in FX, including Managing Director of Private Client Dealing at one of the UK's largest brokerages
Specialises in bespoke execution strategies, risk mitigation and high-value client relationships
Helps clients make informed decisions around timing, exposure and execution
Outside work, Adam is a proud father of two and a keen mountain biker, regularly found in the Surrey Hills.
Gareth Bowles
FX Dealer
20+ years across FX and credit markets, working across global financial centres for banks, brokerages and as co-founder of an FX hedge fund
Combines deep market expertise with a focus on technology and human support
Ensures clients benefit from both efficiency and clarity
Outside work, Gareth lives in Shrewsbury with his family and is a keen, if self-proclaimed average, golfer and footballer.
Gareth Bowles
FX Dealer
20+ years across FX and credit markets, working across global financial centres for banks, brokerages and as co-founder of an FX hedge fund
Combines deep market expertise with a focus on technology and human support
Ensures clients benefit from both efficiency and clarity
Outside work, Gareth lives in Shrewsbury with his family and is a keen, if self-proclaimed average, golfer and footballer.
We offer institutional-grade capability but remain a small set of dedicated specialists
One UK-led relationship across products, clients, and international jurisdictions
At Thero, every client is supported through a single, consistent relationship, one point of contact, backed by a panel of regulated providers and institutional infrastructure across multiple jurisdictions. No handoffs between subsidiaries, regional desks or account teams. Just continuity, from the first conversation to the last
We offer institutional-grade capability but remain a small set of dedicated specialists
One UK-led relationship across products, clients, and international jurisdictions
At Thero, every client is supported through a single, consistent relationship, one point of contact, backed by a panel of regulated providers and institutional infrastructure across multiple jurisdictions. No handoffs between subsidiaries, regional desks or account teams. Just continuity, from the first conversation to the last
We offer institutional-grade capability but remain a small set of dedicated specialists
One UK-led relationship across products, clients, and international jurisdictions
At Thero, every client is supported through a single, consistent relationship, one point of contact, backed by a panel of regulated providers and institutional infrastructure across multiple jurisdictions. No handoffs between subsidiaries, regional desks or account teams. Just continuity, from the first conversation to the last
Global Relationship Continuity
One continuous relationship across all client types and geographies
No Internal Transfers
No internal handoffs across subsidiaries, teams, or jurisdictions
Direct Decision Access
Direct access to key decision-makers at every stage
Multi-Channel Communication
Direct communication via phone, email, and business WhatsApp
Let's explore the right solution for your business.
Contact our team of experts to learn how we can help you design a solution that best suits your business needs an goals.
Expert-led foreign exchange and international payments.
operations@thero-markets.com
Thero Markets Limited
Formal House,
60 St. Georges Place
Cheltenham,
England,
GL50 3PN
Thero Markets Limited (company registration number 16986548), trading as Thero Markets. Head office: Formal House, 60 St Georges Place, Cheltenham, England, GL50 3PN. Thero has carefully selected industry leading fintech and foreign exchange partners to provide our clients with regulated services and products:
Thero Markets Limited operates as a multi-agency currency broker. We maintain a strategic panel of regulated payment and investment partners, allowing us to source the most competitive pricing, diverse currency liquidity, and secure global payment routes for our clients. By working with multiple industry-leading institutions rather than a single provider, we ensure our clients benefit from a robust, flexible, and fully regulated financial infrastructure tailored to their specific cross-border needs.
Thero Markets’ Payment and Foreign Currency Exchange Services are provided by Ebury Partners UK Limited. Theromarkets is partnered with Ebury Partners UK Limited as a Programme Manager. Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Financial Services Register No. 900797). Ebury Partners UK Limited is registered with the Information Commissioner's Office, with registration number: ZA345828.
Sciopay: Foreign Exchange and Payment Services for customers introduced by Thero Markets to Sciopay Ltd are provided solely by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales with Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB) with Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution with Firm Reference Number: 927951
Please note: Testimonials and case studies shared on our website reflect individual customer experiences. Results may vary depending on personal circumstances. The rates displayed are live interbank rates, not the exchange rates which we offer, and are for indicative purposes only. Please contact us or log into the online platform for our Spot/Forward exchange rates.
1) Payment and e-money services (Non-MIFID related products) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Registered Office: 1 Sheldon Square, London, W2 6TT, United Kingdom. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199) You can find Currency Cloud's terms here:
https://www.currencycloud.com/legal/terms
For clients based in the European Economic Area, the issuance of e-money and the provision of related payment services for Thero Markets Limited are provided by CurrencyCloud B.V. CurrencyCoud B.V. is registered with the Dutch Chamber of Commerce in the Netherlands under number 72186178. Registered office Mr. Treublaan 7, 1097 DP, Amsterdam, Netherlands. CurrencyCloud B.V. is licensed and regulated by De Nederlandsche Bank as an Electronic Money Institution (Relation Number: R142701).
2) For United States, Payment services for Thero Markets are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here:
https://usa.visa.com/legal/visa-global-services-licenses.html.
VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041
Expert-led foreign exchange and international payments.
operations@thero-markets.com
Thero Markets Limited
Formal House,
60 St. Georges Place
Cheltenham,
England,
GL50 3PN
Thero Markets Limited (company registration number 16986548), trading as Thero Markets. Head office: Formal House, 60 St Georges Place, Cheltenham, England, GL50 3PN. Thero has carefully selected industry leading fintech and foreign exchange partners to provide our clients with regulated services and products:
Thero Markets Limited operates as a multi-agency currency broker. We maintain a strategic panel of regulated payment and investment partners, allowing us to source the most competitive pricing, diverse currency liquidity, and secure global payment routes for our clients. By working with multiple industry-leading institutions rather than a single provider, we ensure our clients benefit from a robust, flexible, and fully regulated financial infrastructure tailored to their specific cross-border needs.
Thero Markets’ Payment and Foreign Currency Exchange Services are provided by Ebury Partners UK Limited. Theromarkets is partnered with Ebury Partners UK Limited as a Programme Manager. Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Financial Services Register No. 900797). Ebury Partners UK Limited is registered with the Information Commissioner's Office, with registration number: ZA345828.
Sciopay: Foreign Exchange and Payment Services for customers introduced by Thero Markets to Sciopay Ltd are provided solely by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales with Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB) with Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution with Firm Reference Number: 927951
Please note: Testimonials and case studies shared on our website reflect individual customer experiences. Results may vary depending on personal circumstances. The rates displayed are live interbank rates, not the exchange rates which we offer, and are for indicative purposes only. Please contact us or log into the online platform for our Spot/Forward exchange rates.
1) Payment and e-money services (Non-MIFID related products) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Registered Office: 1 Sheldon Square, London, W2 6TT, United Kingdom. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199) You can find Currency Cloud's terms here:
https://www.currencycloud.com/legal/terms
For clients based in the European Economic Area, the issuance of e-money and the provision of related payment services for Thero Markets Limited are provided by CurrencyCloud B.V. CurrencyCoud B.V. is registered with the Dutch Chamber of Commerce in the Netherlands under number 72186178. Registered office Mr. Treublaan 7, 1097 DP, Amsterdam, Netherlands. CurrencyCloud B.V. is licensed and regulated by De Nederlandsche Bank as an Electronic Money Institution (Relation Number: R142701).
2) For United States, Payment services for Thero Markets are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here:
https://usa.visa.com/legal/visa-global-services-licenses.html.
VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041
Expert-led foreign exchange and international payments.
operations@thero-markets.com
Thero Markets Limited
Formal House,
60 St. Georges Place
Cheltenham,
England,
GL50 3PN
Thero Markets Limited (company registration number 16986548), trading as Thero Markets. Head office: Formal House, 60 St Georges Place, Cheltenham, England, GL50 3PN. Thero has carefully selected industry leading fintech and foreign exchange partners to provide our clients with regulated services and products:
Thero Markets Limited operates as a multi-agency currency broker. We maintain a strategic panel of regulated payment and investment partners, allowing us to source the most competitive pricing, diverse currency liquidity, and secure global payment routes for our clients. By working with multiple industry-leading institutions rather than a single provider, we ensure our clients benefit from a robust, flexible, and fully regulated financial infrastructure tailored to their specific cross-border needs.
Thero Markets’ Payment and Foreign Currency Exchange Services are provided by Ebury Partners UK Limited. Theromarkets is partnered with Ebury Partners UK Limited as a Programme Manager. Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Financial Services Register No. 900797). Ebury Partners UK Limited is registered with the Information Commissioner's Office, with registration number: ZA345828.
Sciopay: Foreign Exchange and Payment Services for customers introduced by Thero Markets to Sciopay Ltd are provided solely by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales with Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB) with Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution with Firm Reference Number: 927951
Please note: Testimonials and case studies shared on our website reflect individual customer experiences. Results may vary depending on personal circumstances. The rates displayed are live interbank rates, not the exchange rates which we offer, and are for indicative purposes only. Please contact us or log into the online platform for our Spot/Forward exchange rates.
1) Payment and e-money services (Non-MIFID related products) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Registered Office: 1 Sheldon Square, London, W2 6TT, United Kingdom. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199) You can find Currency Cloud's terms here:
https://www.currencycloud.com/legal/terms
For clients based in the European Economic Area, the issuance of e-money and the provision of related payment services for Thero Markets Limited are provided by CurrencyCloud B.V. CurrencyCoud B.V. is registered with the Dutch Chamber of Commerce in the Netherlands under number 72186178. Registered office Mr. Treublaan 7, 1097 DP, Amsterdam, Netherlands. CurrencyCloud B.V. is licensed and regulated by De Nederlandsche Bank as an Electronic Money Institution (Relation Number: R142701).
2) For United States, Payment services for Thero Markets are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here:
https://usa.visa.com/legal/visa-global-services-licenses.html.
VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041