Canary Financial
Canary FX · Rates live · Transfers coming soon

Move money across borders at a rate you can see

Foreign exchange for people and businesses who send money abroad. Use live reference rates, charts and rate alerts today — transfers, forward contracts and multi-currency accounts are on the way through a licensed payments partner.

Live converter Mid-market live ECB reference rate
USD
Mid-market rate-
Planned margin0.7%
Your rate after margin-
vs. assumed bank wire*-

Indicative only — not a binding quote. Rate locking and transfers launch with our licensed payments partner. *Assumes a 3% bank rate margin plus a $45 wire fee; use your own bank's numbers.

Live ECB reference rates Free rate alerts Canary never holds your funds
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Everything in Canary FX

What you can use today — and what is coming

Green tiles work right now. Gold tiles launch with our licensed payments partner — tap one and we will email you the moment it is available.

Available now Coming soon · notify me
Live

Currency converter

Around 30 major currencies at the ECB reference rate.

Open converter
Live

Rate charts

1 month to 2 years of history with high, low and change.

See charts
Live

Rate alerts

Pick a target; we email you once when it is reached.

Set an alert
Live

Indicative quotes

See the rate, the margin and what arrives, line by line.

Get a quote
Live

Quote checker

Find the hidden margin in any rate your bank offers.

Check a quote
Live

Risk scenario tool

See what a rate move could cost on a future payment.

Try it
Live

Consultations

Tell us about a large, business or hedging need.

Request one
Live

Guides & glossary

Rates, margins, SWIFT, IBAN and forwards in plain language.

Read guides
Soon

International transfers

Convert and send to a bank account abroad at today's rate.

Notify me
Soon

Forward contracts

Lock today's rate for a payment on a future date.

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Soon

Limit & stop orders

Convert automatically when the market hits your rate.

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Soon

Regular payments

Monthly transfers for rent, pensions or allowances.

Notify me
Soon

Multi-currency accounts

Hold, receive and convert several currencies.

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Soon

Receive from abroad

Local receiving details for customers and marketplaces.

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Soon

Batch payments

Pay many suppliers or staff abroad from one upload.

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Soon

API & integrations

Connect FX to accounting software or your platform.

Notify me

Features, currencies, limits and pricing at launch depend on the partner and on eligibility checks, and will be published before anything goes live.

Hybrid model · planned

Two ways people buy FX.
One Canary platform.

Specialist brokers win on relationships and hedging for large payments. Modern fintech platforms win on accounts, automation and local payment rails. Canary FX is being built to offer both, through our licensed payments partner.

Dealer-style service+ Platform automation

Relationship-led FX

For large and time-sensitive payments where timing and certainty matter.

  • Help from a person for large transfers
  • Forward contracts to fix a future rate
  • Window forwards with flexible drawdown
  • Limit and stop-loss orders
  • Regular payment plans
Suits: property, relocation, large supplier payments

Platform FX & global rails

For frequent payments, collections and automation.

  • Multi-currency balances
  • Local receiving details for foreign customers
  • Batch payments from one upload
  • Accounting and ERP connections
  • API for platforms and marketplaces
Suits: SaaS, e-commerce, marketplaces, global teams
Live rates Available now

The last 30 days at a glance

ECB reference rates per 1 US dollar, with each currency's 30-day trend. Tap a tile for the full chart.

Reference rates are mid-market rates for information only — not prices you can deal at. All rates

Indicative quote Available now

See what your recipient would receive

Quotes use the latest ECB reference rate where available and show the planned margin separately. They are illustrative only — sending the transfer is coming soon.

Transfer details

How we will price transfers

  • Start from the mid-market rate — the one on the tools page.
  • One disclosed margin, shown before you commit.
  • Recipient amount first — what arrives is what matters.
  • Partner-confirmed rate, fees and timing at booking.

Enter an amount on the left to see an indicative breakdown.

Explore Canary FX

Built around what you are actually doing

How it will work

Four steps from quote to delivery

Step 1 works today. Steps 2–4 arrive with our payments partner.

1
Available now

Get a quote

See the mid-market rate, the margin and what arrives.

2
Coming soon

Verify once

Regulated providers confirm who you are before moving money.

3
Coming soon

Lock the rate

Book now, set a target order, or fix a rate for later.

4
Coming soon

Fund & send

The partner converts and pays your recipient's account.

Bank vs. specialist Available now

Where the cost of an international payment hides

Most of the cost of a bank wire is usually in the exchange rate, not the fee. Enter your bank's numbers and compare them with a margin you are offered elsewhere.

Defaults are placeholders, not a statement about any particular bank or provider. Intermediary (correspondent) bank charges are not included.

Recipient receives

Bank wire
-
Specialist
-
Bank — total cost-
Specialist — total cost-
Hidden in the rateVisible fee
Who it is for

Common reasons people move money abroad

Your money

How the partner model protects you

  • Licensed entity of record. Transfers will be executed by a licensed payments provider, named with its licence details before you send anything.
  • We never hold your funds. Canary Financial is the technology and distribution layer; money moves between you, the partner and your recipient.
  • Fraud awareness. We will never ask you to send money to a new account by phone or email. Verify any change of bank details independently.
Canary Financial does not currently provide money transmission, foreign exchange dealing or investment advice. Reference rates and tools are for information only. Anything marked "coming soon" is not available and may change before launch.
Larger or complex needs Available now

Planning a large transfer or recurring payments?

Tell us about it. Requests help us decide which corridors, currencies and features to launch first, and we will follow up with you directly.

Is Canary a bank or money transmitter?
No. Canary Financial is a technology and distribution platform. International transfers will be carried out by a licensed payments partner, named before you commit.
Where do your rates come from?
The European Central Bank's euro reference rates, converted to USD pairs. They are published once per working day and are for information — mid-market rates, not prices you can deal at.
When will transfers be available?
When our payments partner is connected. Tap any gold "Coming soon" tile to be emailed when it launches.
More questions?
See the full FX FAQ and glossary.

Request a consultation

Tell us what you need to move and when. We will follow up by email. This is a request for information only — nothing is booked and no money moves.

We use your details only to respond to this request. Canary Financial is not yet executing international transfers; when the service launches, transfers will be carried out by a licensed payments partner, named before you commit.

Watch the rate before you move

Set a free alert on any major currency now — and get notified the day transfers launch.

Set a rate alert