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Global Solutions for FX and Payments

Your international business on a single platform

We reinvent the way currencies are managed

Your confidence changes

More flexible, specialized and with better prices than traditional banking

Trade Finance for importers

Exchange rates for up to 1 year without the need for credit lines

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No hidden fees

Expatriates, Investors, Students, Foreign Retirees.......

Your Wallet in foreign currency

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Our Partner 

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Regulated by: 

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Safe and Reliable 

Currencycloud, our payment provider, is regulated in the United Kingdom, Canada, the United States, and the European Union.

Since 2012, it has processed more than USD 253 billion in transactions and made payments to over 180 countries.

The company has 600 employees and is headquartered in London, with offices in New York, Amsterdam, Cardiff, and Singapore.

On December 2021, Currencycloud was acquired by Visa Inc.

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Security of Funds 

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In accordance with regulatory requirements, our partner Currencycloud safeguards your funds. This means that the money backing the balance you see in your account is held in segregated accounts at Barclays Bank PLC. Barclays Bank PLC does not monitor the funds deposited in the safeguarding account nor how you operate these accounts and, most importantly, your money is protected in the event of insolvency of either Currencycloud or Kepay.

Click here por more information

Personalized attention

Forget about endless waits and unanswered emails

Global Capabilities

+180

Countries

+35

Currencies

+11

Countries to collect locally

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+29

Countries to collect locally

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Available IBAN Accounts

Our Services

Frequently Asked Questions

How long will my account take to open?

Account opening is subject to regulatory checks. Businesses will typically have their account opened within one week, but in more complex cases it may take a few days. For individuals, it will be opened within minutes.

Are there any extra charges?

We do not charge transaction fees, unlike banks and intermediaries.

Are my deposited funds safe?

Of course. Your funds are protected by our e-money partners, such as Currencycloud, regulated by the FCA and a credit institution.

  • Safeguard accounts are held at Barclays Bank PLC

  • Barclays does not oversee the funds deposited into the safekeeping account or how you operate such accounts.

How can I track my payment?

During market hours, most currency transfers reach beneficiaries in an average of 8 minutes. Each client has access to KEPAY.es Online where they can track the status of shipments and will receive a confirmation with proof of payment.

Is the service regulated?

The liquidity providers with which KEPAY.es works are regulated by the Financial Conduct Authority (FCA), New York State Department of Financial Services and the DNB of Netherlands 

How long does it take to get a Forward credit facility?

A forwards trading facility can be obtained within 1 day if the requested documentation is complete, allowing exchange rates to be fixed for up to 1 year.

Why Choose Us

Contact us for more information

Thank you!!!

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Offices in Spain

MTI Partners SL

Edificio VICAM

Ctra CL 601 km7

Palazuelos de Eresma

40194 - Segovia (España)

Ā© 2025 MTI Partners SL

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"KEPAY.es" is a registered trademark owned by MTI Partners SL, NIF B10887644, with registered office at Edificio VICAM, Palazuelos de Eresma 40194 - Segovia (Spain).​

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(*) Payment and e-money services are provided by The Currency Cloud Limited (non-MiFID/no card products/no investment products). Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199);

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(*) Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here (non-MiFID/no card products/no investment products).  VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041.

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(*) Payment services are provided by CurrencyCloud B.V. (non-MiFID/no card products/no investment products). Registered in the Netherlands No. 72186178. Registered Office: Nieuwezijds Voorburgwal 296 - 298, Mindspace Nieuwezijds Office 001 Amsterdam. CurrencyCloud B.V. is authorised by the DNB under the Wet op het financieel toezicht to carry out the business of a electronic-money institution  (Relation Number: R142701).

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(*) Terms for UK Customers of Currency Cloud: https://www.currencycloud.com/legal/terms/terms-of-use-uk-cc-ltd

Terms for EU Customers of Currency Cloud: https://www.currencycloud.com/wp-content/uploads/2023/08/Terms-of-Use-EU-CC-BV-1-June-23-1.pdf

Terms for US Customers of Currency Cloud for businesses: https://www.currencycloud.com/wp-content/uploads/2021/07/Terms-of-Use-CC-Inc-CFSB-19-July-21.pdf

Terms for US Customers of Currency Cloud for consumers: https://www.currencycloud.com/wp-content/uploads/2022/01/Terms-of-Use-for-Consumer-US-CC-Inc-CFSB-December-2021.pdf

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(*)If you are not satisfied with our services provided by Currency Cloud, please contact the Financial Ombudsman Service (FOS):
https://www.financial-ombudsman.org.uk/consumers/how-to-complain

 

Safeguarding Funds for Currency Cloud:

When funds are posted to your account, e-money is issued in exchange for these funds, by an Electronic Money Institution who we work with, called Currencycloud. In line with regulatory requirements, Currencycloud safeguards your funds. This means that the money behind the balance you see in your account is held at a reputable bank, and most importantly, is protected for you in the event of Currencycloud’s, or our, insolvency. Currencycloud stops safeguarding your funds when the money has been paid out of your account to your beneficiary’s account.​​

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Complaints for Currency Cloud: 

We are your first port of call for any queries or concerns, including complaints. We will handle these complaints in line with our complaints process. [Contact info@kepay.es if needed, we will answer you back within 1 business day, please send us an email with your company name and the corresponding complaint.] We work with Currencycloud, who ultimately provides you with regulated payments and e-money services. Currencycloud has certain obligations as a regulated financial services institution, including around complaints. We keep them informed of the complaints we receive from you regarding the regulated payments and e-money services they ultimately provide to you. They oversee how we handle complaints to ensure we do this to the standard required under the regulations. However, if for any reason your complaint regarding your payments and e-money services has not been acknowledged or dealt with by us, or if you have concerns about the way it has been handled, Currencycloud’s complaints information can be found here​​​

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Terms of use from Currency Cloud: https://www.currencycloud.com/hubfs/Product/Legal/Currencycloud-Terms-UK-TCCL-15-August-24.pdf​​​​

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