XPATIC/Currency and payments
Lead generation for currency brokers
Anyone living across two economies moves money regularly, most of them through their bank, and most of them have never worked out what that costs them.
A need that repeats every month
Most expat services are bought once or occasionally. Currency is bought continuously. A pension arriving in one currency and spent in another, rent collected abroad, a property purchase, a salary, school fees, a transfer to family back home.
That changes the economics. A client acquired here is not a transaction, it is a recurring volume relationship, often for years. Which means acquisition cost can be considerably higher than the first trade justifies.
It also means the trigger events are frequent and predictable rather than rare, so there is always a cohort of people who have just discovered what their bank charges them.
Monthly transfers, not a single transaction
Property, pensions, salary and tax dates
The saving is measurable, which makes the case easy
The advantage of a number you can show
Most expat services sell reassurance, expertise or convenience, all of which are hard to prove in an advert. Currency sells a difference between two numbers, and that is a genuinely easier argument to make.
The constraint is that financial promotions face real restrictions, and rate comparisons in particular attract scrutiny from both regulators and platforms. Claims need care, illustrative figures need context, and anything that could read as a guarantee is a problem.
We run paid acquisition in UK financial services and claims, so the campaigns get built inside those limits from the start. A compliant advert that runs beats a stronger one that gets pulled in week two.
The trigger moments
Currency demand is created by events, and the events are predictable enough to build campaigns around.
Buying or selling abroad
The largest single transfer most people ever make, and the moment the cost of a bad rate becomes obvious.
Regular income abroad
Monthly, indefinite, and the most valuable recurring relationship in this sector.
Earning across borders
Working in one currency and supporting a life in another, often for years at a time.
The move itself
Moving savings across at the point of relocation, usually a large one-off followed by regular smaller ones.
Income from property
Landlords collecting in one currency and living in another, transferring on a fixed cycle.
Supporting people at home
Smaller, highly regular, and unusually sticky once a provider is chosen.
How we run currency campaigns
- Compliance framework firstWhat can be claimed about rates and savings, and what cannot. Established before creative, not after a rejection.
- Built around triggersTargeting the events that create the transfer rather than a general audience who might one day need one.
- Volume and frequency qualifiedRoughly how much and how often, asked before contact details, because a one-off small transfer and a monthly pension are different businesses.
- Checked on arrivalNumbers and emails checked as the lead comes in, repeat enquiries flagged and never charged twice, delivered in seconds.
- Measured on funded accountsNot registrations. You mark who actually traded, and the campaign optimises toward those people.
Questions currency businesses ask
Can you advertise rate comparisons?
With care and proper context. Financial promotions face restrictions from regulators and platforms, and comparative claims attract the most scrutiny. We build inside those limits from the start rather than testing where the line is with your brand.
How do you find people at the point of transfer?
By targeting the events that create the transfer. Property purchase, relocation, retirement abroad and pension drawdown are all reachable states, and they are where the large and recurring volumes come from.
Do you measure on registrations or funded accounts?
Funded accounts, wherever you can feed that back. Registrations are easy to generate and tell you almost nothing about whether the campaign is working.
Are leads exclusive?
Yes. Shared financial leads mean a prospect fielding calls from several brokers, which suppresses conversion for everyone involved.
Which markets work best?
Anywhere with a large pension or property flow. Spain, Portugal, France and Cyprus for UK retirees. The UAE and Singapore for working-age earners. Mexico and Costa Rica for the American population.
See what this looks like for your business
A few questions about your permissions, your corridors and your client profile, then a call to work through the compliance picture and the numbers.
hello@xpatic.com