Receipts and costs in different currencies
A company receives customer revenue in one currency while supplier or operating costs fall in another. Mapping amounts and dates shows where conversions may be needed.
FX requirements
Turn currency exposure into a defined provider brief.
For businesses and eligible private clients, FC documents incoming currencies, outgoing obligations, timing and intended use. The responsible provider confirms any quote or execution terms.
Current scopeHKD · SGD · MYR
Subject to client eligibility, jurisdiction and provider approval. Each pair, route and service must be confirmed.
USD is being prepared for launch and is not currently available.
Start with the need
When this requirement comes up
Use an FX brief to describe recurring currency needs across receipts and obligations. For a single defined conversion, the exchange brief focuses on the amount and settlement destination.
Recurring personal currency needs
An individual receives income in one currency and has regular expenses in another. An outline of expected inflows and outflows helps frame a provider discussion.
Illustrative needs, not customer case studies or confirmation of availability.
Before you enquire
Prepare your initial brief
A clear outline is enough to start. Estimates are useful where amounts or dates are not yet fixed.
- Incoming and outgoing currencies
- Separate expected receipts from obligations and note which amounts are fixed and which are estimates.
- Frequency and timing
- Describe the usual pattern, upcoming payment dates and whether receipts arrive before or after the related expenses.
- Existing settlement arrangements
- Outline where funds start and need to end, including whether the accounts are in your or your company’s name.
- Operational priorities
- Explain whether the main need is a defined destination amount, clearer costs, payment coordination or more useful transaction records.
Keep sensitive records out of the first enquiry.
Do not include identity documents, account numbers or supporting financial records in the initial enquiry. If documents are requested later, confirm an appropriate secure submission method with the provider.
Before you proceed
Questions for the provider
Use the provider’s written terms to confirm the details relevant to your request.
How is each conversion priced and approved?
Confirm the rate, fees, quote validity and instruction process for each transaction. Do not assume a standing or automatic instruction.
What happens if the amount or timing changes?
Ask when updated instructions or a new quote are required and what cancellation conditions apply.
Can funds remain after conversion?
Confirm whether a balance or account arrangement is available, who provides it and what terms and charges apply.
What records and support are provided?
Ask about confirmations, statements, settlement status and the provider contact for discrepancies.
Clear responsibilities
From brief to provider decision
- 01
You
Map the expected currency flows and decide whether each proposed transaction meets your needs. Keep the provider informed when requirements change.
- 02
Fiducia Clearing
Organises the flow and timing brief for provider review. This is not investment advice, a hedge recommendation or an execution instruction.
- 03
The independent provider
Determines eligibility and any available arrangement, and confirms pricing, execution, settlement and record-keeping terms for approved activity.
Before an introduction
Questions about scope and responsibility.
Can I hold funds after converting?
Only if an approved provider arrangement includes the relevant balance or account capability.
Can private clients enquire about this service?
Yes. Eligible private clients can discuss personal currency needs. The provider reviews identity, source of funds, intended use and settlement arrangements; an enquiry is not investment advice or an execution instruction.
How is pricing shown?
Pricing and execution terms are confirmed by the responsible provider before an approved transaction.
Can I set a target rate?
No target-rate or rate-alert feature is represented as currently available.
Your next step
Start with your business or personal requirement.
Share your client profile, currencies, markets and intended use. We will assess whether an appropriate provider conversation is possible.
Enquiring as a financial institution or service provider? Institution onboarding