Changing Currency

Medlock & Thames was founded in Manchester and London by industry experts with two decades of foreign exchange experience. Powered by FCA-regulated liquidity providers. Client money safeguarded.

We exist because there’s a gap between what high-street banks deliver on currency and what clients actually need. We close it.

Personalised by design. Every client gets a named dealer, a direct dial, live rate alerts when the market moves through their level, and a clean online portal that does what it says it will. No chatbots. No call-centre routing. No “please email us your query.”

What we do — five services, one phone call

Corporate FX. Spot, forward contracts, market orders, and a hedging policy written around your real exposure rather than a template. For UK businesses with international suppliers or customers.
Personal FX. Private-bank service, without private-bank minimums. Multi-currency accounts, forward contracts, regular payments. From £5,000 a month to £5 million one-offs. For cross-border professionals, expats, and families with multi-currency lives.
Personal Payrolls. Automated payday FX for executives, pilots, consultants, and expats earning abroad. Lock 6–12 months of pay at today’s rate. Typical saving 2–4% on the rate, £25–£100 per transfer in fees.
Business Finance. 40+ lenders. 8 debt products. £0 upfront. We shortlist the two or three that actually fit, and turn around funding decisions in days, not weeks. Working capital, growth and capex, trade and international.
Partnership. For accountants, wealth managers, and solicitors with internationally exposed clients. We handle the FX, hedging, and overseas payments — and pay a referral fee on every closed deal.

What clients save

Typical result: 2–4% better on the rate versus a high-street bank. Fees down £25–£100 per transfer. Funding decisions in days, not weeks. A real person on the phone, every time.

How to start

Send us a bank confirm or a payroll confirm — a real document, not a hypothetical — and we’ll quote it live, spot and forward. Worst case: you know what your bank is charging you. Best case: you stop paying it.