The global currency account (GCA)

The Global Currency Account (GCA) is a versatile and comprehensive financial solution designed to simplify and streamline international business transactions. It centralizes the management of international transactions, enabling businesses to efficiently Receive, Hold, and Send funds in multiple currencies through a single account. This eliminates the need to maintain multiple bank accounts in various countries, reducing complexity and administrative burden. Businesses can receive payments directly into their GCA in various currencies, enhancing customer satisfaction and simplifying the payment process. The GCA also allows businesses to hold multiple currency balances, minimizing the need for frequent conversions and reducing currency risk. Additionally, it facilitates international payments to suppliers, partners, and employees, supporting smooth and efficient global operations. By consolidating various currency-related transactions into one account, the GCA helps businesses save time, reduce costs, and improve overall financial efficiency in the global market.


The GCA includes the following key features:

Named Accounts with Local Bank Details in GBP and EUR:
Each GCA provides named accounts with local bank account details specifically for GBP (British Pounds) and EUR (Euros). This feature allows businesses to present themselves with local account details, which can enhance trust and convenience for customers and partners in the UK and Europe. By having local accounts, businesses can also benefit from local banking practices and potentially lower transaction fees for domestic transactions.

Receive Payments in Your Customers' Preferred Currency (11 Currencies Supported):
The GCA enables businesses to receive payments in up to 11 different currencies. This flexibility allows customers to pay in their preferred or local currency, enhancing the customer experience and potentially increasing sales. The supported currencies typically include major global currencies such as USD, GBP, EUR, JPY (Japanese Yen), AUD (Australian Dollar), CAD (Canadian Dollar), and others, providing broad international coverage.

Hold Up to 11 Currency Balances:
With the ability to hold balances in up to 11 different currencies, businesses can manage and store funds in the currencies they frequently use. This reduces the need for constant currency conversion, which can incur fees and lead to unfavorable exchange rates. By holding multiple currency balances, businesses can better manage currency risk and optimize their financial operations according to their specific international needs.

Payout to 180+ Countries in 11 Currencies:
The GCA supports payouts to over 180 countries around the world in the 11 supported currencies. This extensive payout capability ensures that businesses can send funds to a vast number of international destinations, catering to global suppliers, partners, and customers. Whether it's paying international invoices, sending salaries, or managing overseas investments, the GCA facilitates smooth and efficient international payments.

Access to Unlimited’s Banking Network and SWIFT Channels:
By leveraging Unlimited’s robust banking network and SWIFT (Society for Worldwide Interbank Financial Telecommunication) channels, businesses using the GCA can perform secure and reliable international fund transfers. The SWIFT network is a widely recognized system for global financial communications, ensuring that transactions are conducted with high security standards and broad acceptance among financial institutions worldwide.


Monthly Maintenance Charge

To maintain the Global Currency Account, there is a monthly maintenance fee of USD 100 (US Dollars one hundred only). This fee is billed on the first day of each month. This charge covers the cost of maintaining the account, providing the extensive range of services and features, and ensuring secure and efficient operation of the account.

Pricing for Global Currency Account (GCA)

Currencies Supported
Australian Dollar - AUDLocal Rails
Canadina Dollar-CADSWIFT
Swiss Franc - CHFSWIFT
Euro - EURLocal Rails
British Pound - GBPLocal Rails
Japanese Yen - JPYSwift
Norwegian Krone - NOKSwift
New Zealand Dollar - NZDSwift
Swedish Krona - SEKSwift
Singapore Dollar - SGDLocal Rails
US Dollar - USDSwift
Local Payout Fees

CurrencyPrice (USD)
Euro$1.50
GBP$1.50
Local Collect Fees
CurrencyPrice (USD)
AUD$3.00
EUR$1.50
GBP$1.50
Cross Border FX Spread (Payout)
25 bps above prevailing wholesale rates
Cross Border Convenience Fee (Payout)
5 bps, capped at $150. This is addition to SWIFT
i.e. AUD-AUD SWIFT payments. 
Swift Wires
$20.00

Services - Australia

Payin & Payout services

Bank transfer payments via the New Payment Platform (NPP)

● Collection of bank transfers from end users for the purpose of facilitating Merchant commerce via website, invoice or other electronic channel.
● Disbursement of funds to beneficiaries of Merchant for the purpose of Merchant commerce via website, invoice or other electronic channel. 

Pricing for Services - Australia (AUD)

Payment ServicePayment MethodFees - excluding GST (AUD)
PayinBank transfer via:
- PayID
- BSB & Account Number 
$2.50
Payout
Bank transfer (NPP where applicable) - domestic2.50 or 0.10%, whichever is greater
Virtual Account
Static virtual BSB and account number$5 per account
Virtual AccountStatic PayID only$3 per account
Failed TransactionsWaived
Refunds$0.50
Compliance Verification (KYB Review – One off)Waived
Chargebacks / Disputes$50

Pricing for Services - New Zealand (NZD)

Payment ServicePayment MethodFees - excluding GST (NZD)
PayinBank Redirect - Poli2.00% (capped at $10)
Payin / Payout
Wire Transfer fees (Swift SHA)$25.00 (USD)
Failed Transactions
Waived
Refunds$0.50
Refunds$0.50
Compliance Verification (KYB Review – One off)Waived
SettlementSettlement to be provided on a monthly basis (or other frequency as agreed between the parties in writing).

Pricing for Services - Singapore (SGD)

Payment ServicePayment MethodFees - excluding GST (SGD)
PayinBank transfer via:
- PayNow
- FAST 
$1.50 
PayoutBank transfer (RTP where applicable) - domestic$1.50 or 0.1%, whichever is greater
Payin / Payout
International wire transfer - (SWIFT SHA)$25.00 (USD)
Virtual Account
VA Creation and Maintenance
VA incoming 
$5 per month
$1.50
Failed TransactionsWaived
Refunds$2.00

Pricing for Services - Thailand (THB)

Payment ServicePayment MethodFees - excluding GST (THB)
PayinBank transfer via:
- PromptPay QR
100 THB or 0.1%, whichever is greater
PayinE-Wallet
- Rabbit Line Pay
- True Money 

5.99%
5.99% 
PayinDomestic credit cards
- Visa, MC, Apple Pay, G
Pay 
3.50% + 20 THB
Payin 
International credit cards - Visa, MC4.49% + 20 THB
Payout
Bank transfer - domestic
100 THB
Payin / PayoutInternational wire transfer - (SWIFT SHA)$25.00 (USD)
Chargebacks2000 THB per chargeback
Failed TransactionsWaived
Refunds50 THB
Compliance Verification (KYB Review – One off)Waived
SettlementSettlement to be provided on a monthly basis (or other frequency as agreed between the parties in writing). FX fee to be charged at 25bps above prevailing rate used for settlement of local proceeds into foreign currency by settlement bank partners.

Pricing for Services - Philiphines (PHP)

Payment ServicePayment MethodPayment Method
PayinBank transfer via:
- Online Banking 
100 THB or 0.1%, whichever is greater
PayinE-Wallet
- GCash
- Maya
- Maya billpay 
- Coins.ph
- Shopee Pay
- Grabpay 

5%
5%
0.50% + 50 PHP
0.50% + 50 PHP
5%
5% 
PayoutBank transfer - domestic
100 PHP
Payin / PayoutInternational wire transfer - (SWIFT SHA)$25.00 (USD)
Failed TransactionsWaived
Refunds50 PHP
Compliance Verification (KYB Review – One off)Waived
SettlementSettlement to be provided on a monthly basis (or other frequency as agreed between the parties in writing). FX fee
to be charged at 25bps above prevailing rate used for
settlement of local proceeds into foreign currency by settlement bank partners. 

Disclaimer: The commercials are subject to change based on changes to project specifications and/or input costs prior to execution of contract. This proposal is contingent on Risk and Compliance approvals. 

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