Business FX and payouts for companies moving money across borders — faster settlement, better rates, and real support with Calen.Book a demo

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.

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.