Scalable, Global FX Management, With No Hidden Fees

Transparent, Scalable Global FX Management with No Hidden Fees

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End-to-end Payment Transparency

How Nium’s Global FX Works

Understand how Nium delivers real-time, transparent FX rates powered by institutional liquidity.

  • Real-time rates powered by institutional liquidity

    Nium’s Global FX infrastructure connects directly to institutional liquidity providers to deliver live, transparent exchange rates. Every price you see is sourced and updated continuously for accuracy and market alignment.

  • Built for transparency and control

    Unlike banks or traditional money transfer operators, Nium exposes both live and historical rate data so businesses can compare, analyze, and act with full visibility.

  • Developer-ready FX APIs

    Integrate Nium’s real-time and historical FX APIs into your systems to automate rate retrieval, benchmarking, and conversion workflows.

Lock and Hold Rates on Your Terms

Lock rates across 60+ currencies to control FX risk, plan bulk payments, and manage cash flow flexibly.

  • Optimize FX risk across markets

    Lock and hold rates for up-to 24 hours for more than 60 supported currencies, including several emerging market currencies.

  • Convert at a single rate for bulk payments

    With Nium, you can convert multiple payments at a single locked rate, eliminating currency fluctuations and reconciliation headaches across bulk transactions.

  • Control cash flow with flexible settlement schedules

    Choose when to settle, immediately or at a future date, based on 
your business needs. Nium’s flexible settlement options help you manage just-in-time cash flows across markets.

End-to-end Payment Transparency

End-to-End FX Transparency

Get full visibility into real-time and historical rates to avoid hidden fees and optimize FX margins.

  • Plan smarter with real-time visibility

    Nium provides complete visibility into both historical and real-time exchange rates from multiple sources, directly accessible through the API. You always see how your FX pricing compares to the interbank rate.

  • Avoid hidden fees

    Deliver funds to 190+ countries in full with no hidden deductions. Businesses typically save up to 250 basis points versus traditional banks and around 150 basis points compared to legacy money transfer providers.

  • Manage FX margins at scale

    Through Nium’s analytics, track interbank exchange rates, review markups across vendors, and optimize pricing strategies at scale for more efficient treasury management.

Global Coverage, On Demand

Global Coverage, On Demand

Access 2,000+ currency pairs and trade 125+ currencies directly, anytime, with 24/7 execution.

  • Leverage 2000+ currency pairs

    Access real-time conversion across 2,000+ currency pairs through a single platform powered by Nium’s Global FX infrastructure.

  • Trade directly and efficiently

    Nium supports direct FX execution across 125+ currencies without intermediaries, delivering faster, cheaper, and more transparent conversions.

  • Operate 24/7/365

    Execute FX conversions anytime, anywhere. With Nium’s always-on infrastructure, your global transactions can run continuously, even on weekends and holidays.

Use our calculator to see the markup charged by your money movement provider.

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Interbank rate on this date

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Products

The Global Infrastructure For Real-Time Payments

Nium moves money, manages foreign exchange and mitigates fraud risk so your business can send and receive funds in real time.

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Multi Currency Accounts
Multi Currency Accounts
Multi Currency Accounts
Simplify funding, collection, conversion, and disbursements to drive borderless growth for multiple currencies.
Explore Accounts
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Global Payouts
Global Payouts
Global Payouts
Send payouts to 190+ countries with real-time payments infrastructure for on-demand business.
Explore Payouts
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Global FX
Global FX
Global FX
Avoid the high-cost intermediaries and get transparency and control to move money anywhere in real time.
Explore FX
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Global Card Issuing
Global Card Issuing
Global Card Issuing
Launch physical and virtual card strategies quickly and easily with authorization models that work for you.
Explore Issue Cards
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Global Account Verification
Global Account Verification
Global Account Verification
Access real-time, instant bank account verification across 50+ markets. Pre-validate beneficiary account details, instantly.
Explore Account Verification
Fearless FX: Currency Exchange to Drive Global Growth Fearless FX: Currency Exchange to Drive Global Growth

Premium content

Fearless FX: Currency Exchange to Drive Global Growth

As you build your global business, FX strategies may have been low on your list of priorities. Many organizations relegate FX as a default from their banks. But even a few percentage points can make the difference as you fund subsidiaries and global operations.
Read the report
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Real rate Foreign Exchange

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