Centtrip

Managing money across multiple currencies, jurisdictions, and fast-moving operational teams is a persistent headache for family offices with international footprints, particularly those overseeing superyacht operations, private aviation, or multi-location staff. Centtrip is a UK-regulated spend management platform built specifically for organisations operating in these kinds of internationally mobile environments. Founded in 2013 by foreign exchange and technology specialists, it processes over £1 billion per year in transactions and has built its client base around sectors that share an unusually high tolerance for financial complexity on the move.

The platform combines multi-currency accounts, foreign exchange at live market rates, international payments, and prepaid Mastercard issuance in a single environment. Each prepaid card holds up to 15 currencies and up to £350,000 in value, with higher limits available on request. For family offices managing vessel operations, aircraft charters, or touring and cultural programmes, the ability to issue, lock, reload, and monitor cards in real time across a distributed team is the core operational value. Key capabilities include:

• Batch FX payments via API or spreadsheet import, supporting multiple payees, currencies, and payment dates
• Free instant transfers between Centtrip accounts via CenttripNow
• Multi-tiered approval workflows with configurable permissions
• Integration with accounting packages including Xero
• Real-time transaction reporting accessible via mobile app or desktop
• Self-service card ordering and expedited replacement delivery

Centtrip is authorised by the Financial Conduct Authority as an Electronic Money Institution, with offices in London and Amsterdam. Pricing is not disclosed publicly, which limits direct cost comparison. The platform is purpose-built for operational spending and treasury management rather than investment oversight, so family offices seeking consolidated portfolio reporting or asset management tools will need to look elsewhere. For those whose challenge is controlling international cash flows across active operations, it addresses a narrow but real problem.