Pricing & FX
Prices you can read in a single glance.
Standard is free forever. Plus and Business unlock higher spend limits, tighter FX and premium features. No hidden spreads. No surprise fees.
Standard
Everything you need to hold, spend and send across borders.
- Multi-currency account (GBP, USD, EUR, AED)
- Contactless Visa debit card
- Up to £2,000/mo card spend at mid-market rate
- 0.35% transfer fee on cross-border payments
- Freeze / unfreeze, 2FA, biometric login
Plus
For frequent travellers and higher spenders.
- Metal card with engraved detail
- Unlimited fee-free FX on card spend
- 0.20% transfer fee across all corridors
- Global travel & phone insurance
- Priority in-app support
Business
The operating account for global teams.
- Multi-currency business account
- Unlimited team expense cards
- Bulk contractor payouts in 90+ countries
- Xero, QuickBooks and NetSuite integrations
- Approval workflows and SSO
What you pay to send money abroad
Slide to see what a single transfer really costs.
Illustrative comparison based on typical published high-street fees and FX spreads. Live rates vary by corridor.
You save vs. high-street
£56.50
Bright Future
£3.50
Total cost of one transfer
Legacy multi-currency bank
£30.00
Total cost of one transfer
High-street bank
£60.00
Total cost of one transfer
| Feature | Bright Future | High-street bank | Legacy multi-ccy bank |
|---|---|---|---|
| Real mid-market exchange rate | |||
| Hidden FX spread | |||
| Monthly account fee (baseline) | |||
| Instant transfers on major corridors | |||
| Freeze / unfreeze in-app | |||
| Apple Pay & Google Pay day-one | |||
| Transparent per-transfer fee |
Comparison is illustrative and based on publicly published fee schedules as of the current tax year. Individual bank fees may vary by region and account type.