In 2026, exchange rates are more volatile than at any point since the 2008 financial crisis. Central bank policy divergence, ongoing geopolitical tensions, commodity price swings, and sudden “black swan” events are moving major currency pairs by 8–15% in a single quarter – often with little warning. For UK businesses that import, export, or pay overseas staff, these swings can turn a healthy profit margin into a loss overnight.
For UK businesses that import, export, or pay overseas staff, these swings can turn a healthy profit margin into a loss overnight.
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Without an active hedging strategy, you are effectively gambling with your profit margins.
since July 2025
wiping £9,000 off every €100,000 European supplier payment for unhedged importers.
last 90 days
US exporters quoting in dollars have seen revenue swing by tens of thousands.
Energy and commodity-linked currencies remain elevated after Middle-East and Red Sea disruptions.
Lock in favourable rates today and remove uncertainty tomorrow.
| Benefit | What It Means for Your Business | Typical Annual Saving (Example) |
|---|---|---|
| Protect Profit Margins | Lock in costs and revenues so a weaker pound doesn’t erode your competitiveness |
Importer with €1.2m annual
purchases → saves £48k–£90k |
| Accurate Budgeting & Forecasting |
Finance teams can plan 6–24 months ahead with complete certainty on FX costs |
Eliminates “FX surprises” in board
reports |
| Win More Tenders & Contracts |
Quote fixed GBP prices to overseas clients while keeping margins protected |
UK exporters win 20-30% more US/EU contracts
|
| Improve Cash-Flow Predictability |
Know exactly when and how much you’ll pay or receive, avoiding last-minute funding gaps |
Reduces overdraft usage and
interest costs |
Even if you only make 3–4 international payments a year, the cost of being wrong once can exceed years of hedging fees.
Importers paying European or US suppliers
(especially manufacturing, wholesale, e-commerce)
Exporters billing in EUR, USD, or AUD
(engineering, SaaS, professional services)
Businesses with international payroll or remote teams
Property developers or investors buying overseas assets
Any company tendering or quoting fixed-price contracts abroad
No upfront cost - for most forward contracts (typically just 5–10% margin)
Zero hidden fees - you see the exact rate, every time
Flexible products - Fixed Forwards, Window Forwards, or Options if you want upside potential
Proactive advice - your dedicated dealer calls you when rates move in your favour
A Midlands-based machinery
importer was paying
quarterly to German suppliers.
After locking 12 months of forwards in January 2025, they saved
when GBP/EUR fell from 1.18 to 1.09
– money that went straight to the bottom line.
Before (Jan 2025)
After (Over 12 Months)
Protect your margins today–
book a free 10-minute FX review with your dedicated account manager.
If you can’t find answers to your questions, our team would be more than happy to assist you.
