Get more for your
money with Calen
Convert, send, or spend money worldwide at transparent, competitive prices. We'll never inflate the exchange rate or charge your business unfair fees.
Send money
Make fast, low-cost cross-border transfers with transparent rates.
Receive money
Get paid from abroad in the way that suits your business.
Convert money
Exchange currencies quickly without hidden fees.
Issue corporate cards
Coming soonScale your team with corporate cards and custom velocity limits.
All in for £50
Get every Calen Growth feature for one one-time activation fee.
No unexpected extras
All our prices are upfront, and we never inflate the exchange rate.
Convert more, save more
Higher enterprise volume unlocks tighter institutional FX spreads.
Fees at a glance
Account setup and infrastructure
Account activation fee
One-time registration fee to establish corporate portal credentials.
$50.00
USD virtual account maintenance
Monthly fee for maintaining named United States routing and account details.
$4.00 / month
EUR virtual account maintenance
Monthly fee for maintaining named European IBAN and BIC details.
$4.00 / month
GBP virtual account maintenance
Monthly fee for maintaining named United Kingdom sort code and account lines.
$4.00 / month
Corporate invoicing engine
Per-invoice generation cost including automated payment collection links.
$1.50 / invoice
Automated AI workflow agents
Bramby AI CFO Agent
Continuous runway analysis, automated cash flow forecasting, and text financial query parsing.
Free
Automated Accounting Agent
Autonomous file ingestion, transaction statement matching, and real-time ledger reconciliation for Xero and QuickBooks.
$25.00 / month
International Tax Agent
Live cross-border transaction tracking with automated multi-jurisdictional withholding tax liability calculations.
$15.00 / month
Inbound collections and funding
Inbound ACH (US)
Per-transaction processing cost for standard incoming United States electronic transfers.
$2.00
Local SEPA or FPS (EU/UK)
Per-transaction processing cost for incoming European and United Kingdom regional network transfers.
$7.50
Domestic Fedwire (US)
Per-wire processing cost for incoming immediate United States gross settlement transfers.
$35.00
International SWIFT wire
Per-wire processing cost for incoming cross-border international network transfers.
$50.00
Stablecoin deposit (USDC or USDT)
Processing cost for incoming dollar-pegged digital asset transfers.
Free
Outbound payouts and transfers
Outbound ACH (US)
Per-transaction processing cost for standard outgoing United States electronic transfers.
$2.00
Local SEPA or FPS (EU/UK)
Per-transaction processing cost for outgoing European and United Kingdom regional network transfers.
$7.50
Domestic Fedwire (US)
Per-wire processing cost for outgoing immediate United States gross settlement transfers.
$35.00
International SWIFT wire
Per-wire processing cost for outgoing cross-border international network transfers.
$50.00
Stablecoin payout (USDC or USDT)
Processing cost for outgoing dollar-pegged digital asset transfers.
$5.00
Foreign exchange and conversions
USD to EUR conversion
Currency exchange spread calculated on top of the prevailing mid-market spot rate.
0.55%
USD to GBP conversion
Currency exchange spread calculated on top of the prevailing mid-market spot rate.
0.55%
Fiat to stablecoin on-ramp
Conversion spread applied when moving traditional cash balances into dollar-pegged digital assets.
0.35%
Stablecoin to fiat off-ramp
Conversion spread applied when moving dollar-pegged digital assets back into traditional cash balances.
0.35%
Calen Rewards Program
Calen Points Multiplier
Loyalty points accumulated automatically for every unit of volume processed through the global payout network.
10 points / $1,000
Rewards Disclaimer: Accumulated points are non-transferable and carry zero cash redemption value. Point balances may be redeemed exclusively within the portal dashboard for business flights, premium travel upgrades, corporate merchandise, and third-party vendor benefits subject to platform distribution availability and program terms.
Frequently asked questions
And the answers to them, of course.
Account and Billing
No. The Growth Plan operates on a flexible, month-to-month schedule. You can modify your wallet structures or deactivate your profile at any time with no cancellation penalties.
The fifty-dollar activation fee is a one-time charge processed when you register your company. This covers the direct infrastructure cost of validating your corporate entity and setting up your secure portal credentials.
You only pay for what you actively use. You are charged four dollars per month only for the specific virtual bank wallets you choose to open. If you only open a USD wallet, your monthly account cost is a flat four dollars.
Payments and Conversions
We use real-time mid-market spot rates sourced directly from global institutional data networks. We apply a clear, fixed zero point fifty-five percent conversion markup on top of that baseline, meaning you never face hidden currency spreads.
No. Because Calen anchors your transactions directly through fully regulated international clearing networks, your account can handle high-ticket corporate invoices and large-scale bulk payroll pipelines.
Yes. You can deposit, hold, and pay out using major dollar-pegged digital assets like USDC and USDT right alongside your traditional USD, GBP, and EUR balances.
AI Agents and Automation
Yes. Every company on our platform gets full access to Bramby at zero cost. The agent continuously monitors your cash flows, analyzes runway metrics, and answers operational financial questions via text.
The Accounting Agent is an optional twenty-five dollar monthly add-on. When activated, it automatically reads your uploaded business invoices, matches line items to transaction histories, and writes fully reconciled entries straight into Xero or QuickBooks.
Yes. You can instantly toggle the Accounting Agent or the International Tax Agent on or off straight from your dashboard integrations panel based on your seasonal business needs.
Calen Rewards
Your account automatically accumulates points as you move money. For every one thousand dollars your business processes through our global payout network, you instantly earn ten Calen Points.
Points can be redeemed directly inside your dashboard portal for business flights, premium airline seat upgrades, corporate merchandise packages, and exclusive third-party vendor rewards.
Enterprise Operations and Custom Architecture
The standard list fees do not apply to enterprise tier accounts. We design custom, contract-backed commercial agreements tailored specifically to your organization's monthly transaction volume, regional corridor requirements, and custom technical integrations.
Organizations processing over one hundred thousand dollars monthly in cross-border volume or managing bulk global contractor payroll requirements for teams exceeding fifty members qualify for our enterprise pricing structures.
Yes. Enterprise accounts unlock access to a volume-driven stepped fee schedule. As your monthly cross-border or stablecoin settlement volume passes specific corporate milestones, your front-end foreign exchange conversion spread automatically compresses down to our tightest institutional tiers.
Yes. Enterprise clients are assigned a dedicated software engineering team to support their technical implementation. We assist your internal developers in mapping our live webhooks, automating custom batch payment workflows, and connecting legacy enterprise resource planning software directly to our transaction core.
Yes. The Enterprise Plan allows you to build custom, multi-signature permission hierarchies. You can require dual-authorization parameters for outbound wires over specific thresholds and restrict internal workspace access based on executive roles.
Our embedded International Tax Agents can be customized to match your specific corporate legal structure. The system can be programmed to autonomously calculate, isolate, and log distinct local withholding tax liabilities across complex multi-jurisdictional delivery channels.