Multi-currency intra-group payments: centralise and manage your foreign exchange costs
Managing intra-group payments in multiple currencies shouldn’t complicate your processes or eat into your margins. With b-sharpe, centralise your group’s multi-currency payments through a single account and reduce your foreign exchange costs by up to 80% compared to your bank.
23 currencies
Direct access to the desk
100% Swiss secure service
Currency exchange: the hidden
cost of your intra-group transfers
When it comes to intra-group transactions, foreign exchange costs can quickly become a difficult-to-understand expense. b-sharpe makes these costs clearer and reduces your bill. Here are the four situations where the impact is most immediate.
Restore your cash flow (subsidiaries – holding company)
Centralise your currency conversions and transfer funds between entities with transparent and controlled exchange rates.
Invoicing between group entities
Avoid different exchange rates across accounts: a clear process and transparent costs, on a per-entity basis.
Rebalancing cash flows between subsidiaries
Reallocate cash between your companies in 23 currencies, without being charged a “default” rate.
Paying dividends, collecting management fees
Carry out your conversions at the right time (in a dedicated trading room), without adding to your internal validation workload.
Clearer, simpler and more secure foreign exchange
management
b-sharpe allows you to manage foreign exchange easily, with transparent costs and controlled execution.
Clear and sliding-scale pricing
The b-sharpe ratio is displayed before confirmation: you know exactly what you’re paying. The higher the amount, the lower the commission.
A guaranteed fixed rate
You can lock in the rate online or by contacting our team. You then have 48 hours to transfer the funds to us.
A regulated Swiss framework
b-sharpe is subject to Swiss financial regulations. Your funds are held in a Swiss bank account and all transactions are encrypted.
Easy to implement, with no technical integration required
You choose your management option: a self-service platform or telephone support from our experts in Geneva. There is no technical integration required.
3 steps to
paying in multiple currencies
Select your currencies
Choose the currency you are sending and the one you wish to receive from a selection of 23 currencies.
Enter the amount
Enter the amount: the B-Sharpe ratio will be displayed instantly.
Lock in your rate
Lock in your rate online or with our team. It’s guaranteed. You have 48 hours to send us your funds.
Select your currencies
Choose the currency you are sending and the one you wish to receive from a selection of 23 currencies.
Enter the amount
Enter the amount: the B-Sharpe ratio will be displayed instantly.
Lock in your rate
Lock in your rate online or with our team. It’s guaranteed. You have 48 hours to send us your funds.
A b-sharpe
adviser at your side
Adrien supports businesses and SMEs in managing their multi-currency cash flows. He analyses your needs and recommends tailored solutions (spot foreign exchange, forward foreign exchange contracts, currency risk hedging), acting as your dedicated point of contact throughout the process.
Our customers say it
better than we do
“b-sharpe’s flexibility, consistently attractive exchange rates and high-quality customer service never fail to impress.”
Alain B, Director
23 currencies available
for your intra-group transactions
Meet most of your needs in Europe, North America, Asia and beyond.
Swiss security for
your international transfers
A regulated intermediary in Switzerland
b-sharpe is a Swiss financial intermediary affiliated with SO-FIT, a Swiss self-regulatory organisation.
You are operating in an environment that complies with Swiss standards.
Enhanced protection for funds
Insurance cover of CHF 5 million provides additional protection for your funds against the risks of fraud, hacking or embezzlement.
Over 20 years’ experience in foreign exchange
Founded in 2006 by Jean-Marc Sabet following a career at UBS, HSBC and Synthesis Bank, b-sharpe has served over 40,000 clients. Trustpilot rating: 4.8/5.
A team of experts, highly regarded by our clients
Our experts will guide you through getting to grips with the platform, as well as helping you navigate the challenges and complexities of currency exchange.
Frequently
asked questions about multi-currency intra-group payments
A multi-currency intra-group payment refers to any transfer of funds between two entities within the same group (subsidiary, holding company, parent company) involving a currency conversion. This covers the transfer of cash to the holding company, intercompany invoicing between subsidiaries, the rebalancing of liquidity, or the payment of dividends and management fees between companies operating in different countries.
Optimising financial flows between subsidiaries involves three main approaches. Centralising conversions within a single entity rather than allowing each subsidiary to exchange currencies separately, thereby avoiding inconsistent exchange rates. Consolidating transactions to benefit from volume-based tiered pricing. And lock in rates in advance to secure re-invoiced amounts and simplify inter-entity accounting. With b-sharpe, these three approaches are available from a single platform, without the need for technical integration.
For intra-group flows, foreign exchange costs are often underestimated because they are not readily apparent. Banks apply a margin on the interbank rate that is rarely made explicit, to which are added international transfer fees, shared costs and correspondent bank charges. Each subsidiary that exchanges currencies separately is subject to its own terms, with no visibility on the overall cost to the group. With b-sharpe, the exact price is displayed before each transaction and pricing is volume-based: the more the group centralises, the less it pays.
Yes. For one-off transactions, b-sharpe allows you to lock in a rate in real time, guaranteed for 48 hours, giving you time to finalise internal approvals. For recurring transactions or large amounts between subsidiaries, a forward foreign exchange contract allows you to fix a rate over a longer term and stabilise the amounts re-invoiced from one period to the next. Both options are available via the platform or with the support of our Geneva-based FX desk.
Payments between the holding company and subsidiaries pass through a regulated Swiss channel. b-sharpe is a Swiss financial intermediary, affiliated with SO-FIT, a self-regulatory organisation (SRO) recognised by the Swiss Financial Market Supervisory Authority (FINMA). Funds are received into a bank account domiciled in Switzerland, segregated from b-sharpe’s own funds and covered by CHF 5 million in insurance against fraud and hacking. Your money never leaves Switzerland.
b-sharpe offers more than 23 currencies for your intra-group transactions: CHF, EUR, USD, GBP, AED, JPY, CAD, MAD and many others. Find the full list at b-sharpe.com/currency-converter/. All from a single account in Switzerland, without the need to open a multi-currency account for each entity.
No. No technical integration is required. You can manage your intra-group flows independently via the b-sharpe platform or by phone with our FX desk, without connecting any tools, without an IT project, and without changing your existing payment setup.