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.

• Multi-currency account management and foreign exchange
• International payment processing including SWIFT, SEPA, and local methods
• Prepaid multi-currency card issuance and management for distributed teams
• Batch FX payment execution across multiple payees and currencies
• Real-time transaction monitoring and reporting
• Cash flow and treasury management for internationally mobile operations

• Prepaid Mastercard with up to 15 currencies and £350,000 balance per card
• Batch FX payments via API or spreadsheet import
• CenttripNow free instant transfers between Centtrip accounts
• Multi-tiered approval workflows and permissions
• Real-time reporting on mobile app and desktop
• Self-service card ordering and expedited replacement
• Live market rate foreign exchange
• Mobile app with full platform access
• Xero accounting integration
• API connectivity for ERP and accounting system integration

Built for Single Family Office (SFO), Multi Family Office (MFO), Finance / Accounting Teams.

Front-end platform can be branded with customer logoFully branded multi-currency cards

Phone support Monday to Friday 08:00-18:00 GMT, email support, dedicated account management implied by 24/7 expert team references