UK ⇄ India Business Banking
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Supporting UK exporters and importers for their global ambitions
Problem
The banks weren't built for this corridor
FX spreads eating your margin
GBP/INR spreads run 2–3x wider than EUR or USD trades — a direct hit to margin on every payment.
India payments taking 10+ days
Cross-border settlement drags on 7–15 days, straining cash flow and tying up working capital.
No trade finance under £10M
Banks won't offer invoice financing or letters of credit to SMBs below £10M revenue.
Solution
Specialist Business Banking for cross-border trade
Everything you expect from business banking, rebuilt for cross-border trade with India — and a lot you don't.
AI powered banking
Built AI-first from day one, not bolted on. Mercorris reconciles invoices, flags FX exposure, drafts compliance filings and answers "where's my payment?" in plain English — so your finance team spends time on decisions, not data entry.
Automated compliances
Dual-jurisdiction compliance handled for you — FCA on the UK side, RBI/FEMA on the India side. Auto-file across HMRC CDS, EDPMS and IDPMS, and handle CEPA proof-of-origin without manual reconciliation.
Working capital on tap
Access financing against your trade receivables and invoices — including the invoice financing and letters of credit high-street banks won't offer SMBs. Fund the next order without waiting to be paid for the last one.
Global accounts
Hold and transact in GBP, USD, EUR and INR with local account details on both sides of the corridor. Pay Indian suppliers like a local, collect from Indian buyers without the wire maze, and stop losing days to intermediary banks.
Real-time settlements
Move money across the UK–India corridor and settle in minutes, not the usual 7–15 day wait. Faster settlement frees up working capital and takes the cash-flow guesswork out of every supplier payment and receivable.
And more banking
Transparent GBP/INR pricing that ends the 2–4% lost to hidden FX and intermediary fees, plus the cards, multi-user controls, and real-time visibility you'd expect — all in one product, replacing the 5–8 fragmented tools you juggle today.
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Help us build the best bank
This is research, not a sales pitch — we'll share our findings with you either way.
FAQ
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