We're all about payments, people and technology

Caxton pioneered the use of online platforms and currency cards to offer customers simpler, quicker, safer and more cost-effective payment solutions. We have combined the latest technology and currency expertise with an old-fashioned dedication to providing outstanding customer service. 

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Our customers say it best

18 Years and still growing

Caxton started out in 2002 as an ambitious FX startup determined to make things simpler and more transparent for the customer. Our mission back then was to offer great value and service to private clients and companies, helping reduce the risk on their currency trades. That focus on service and value has not changed but the way we deliver it has.

Our solutions now facilitate domestic and international payments around the world for businesses, private clients, and travellers. After 18 years we're still growing and still providing the best service in the industry.

Why Choose Caxton?

Whether you want sophisticated risk management tools for your business or bank-beating rates for your travel money, we offer a complete range of payments services for companies and private clients. No other payments or currency business can provide the range that we can, backed up by amazing service from our great team

Security and Trust

Caxton FX Ltd is regulated by the FCA under the FSMA 2000 and the Payment Services Regulations. All client funds are held in designated client trust accounts at UK institutions and are ring-fenced to safeguard them. Caxton undertakes rigorous daily reconciliations of its client accounts to ensure client funds are held safely and to comply with its regulatory obligations.

We process more than 7.3 million transactions a year for hundreds of thousands of people who have placed their trust in us. 

Recent Awards


Rigorous Compliance and monitoring procedures
Protecting our customers' interests is critical to us and we do this on a daily basis, adhering to our regulatory obligations as set by the FCA and using the latest security software and processes to ensure your funds and transactions are safe and secure.

Regulated by the FCA
Caxton is authorised and regulated by the Financial Conduct Authority (FCA). This means that we must adhere to certain principles and rules in terms of how we conduct our business and how we interact with our customers. The FCA, who can undertake an inspection at any time, can impose fines for non-adherence to the regulations.

The FCA principles and rules are designed to ensure that customers are protected from harm caused by the firms they do business with. Therefore, as a responsible organisation they underpin the way Caxton operates and impact all areas of our business, outlined below.

Preventing Fraud
One of the major obligations on Caxton is to ensure that we prevent and detect money laundering. It is for this reason that we must ensure that we know who all of our customers are and that this information is verified before they are allowed to transact for the first time. Caxton is also obliged to update this information on an occasional basis and to monitor transactions that take place to ensure they are consistent with the customer’s profile. Therefore, we may occasionally request up to date identification documents from you or we may seek evidence to support certain payments that you wish to make or receive.

Protecting our customers from fraud is just as important as preventing money laundering and we also use many of the same anti-money laundering tools for fraud prevention purposes.

Ensuring your funds stay safe
Customers naturally want to know that their funds are safe when they entrust them to Caxton. Whilst Caxton is not covered by the Financial Services Compensation Scheme (apart from for certain specified investment products) our international payments customer’s funds are kept in a segregated bank account held with a major UK bank and separate from Caxton's own money. This arrangement is designed to ensure that client’s funds are not at risk in the event of Caxton getting in to financial difficulty. Caxton is, in any case, a financially sound business that has been trading for more than 15 years.

Our cards customers' funds are protected in a similar way, however in this case they are protected by Valitor Payment Services UK Limited, our card issuing partner. In the event that Valitor Payment Services Limited becomes insolvent, funds against which Valitor Payment Services Limited has already issued electronic money are protected against the claims made by creditors to Valitor Payment Services Limited estate of a bankrupt.

Keeping Customer Data Safe
Caxton recognises that our customer’s data is just as valuable to criminals as the money held in their account. We work closely with Microsoft, our IT service partner, and a number of other bodies to ensure that your personal data remains secure at all times. We also engage with responsible third parties to undertake penetration tests on our systems on a regular basis to help identify any areas for improvement.

We are committed to operating in a transparent manner and we strive to maintain compliance with all applicable regulations. In the event that you are unhappy with the service we provide we have a formal complaints procedure and we will always respond to Data Subject Access Requests made under data protection legislation.