Your portfolio is global. Your FX should be too.
Currency markets can move 10 to 15% in a single year. For investors holding foreign equities, real estate, or bonds, that exposure quietly erodes returns. FinXtra gives you the same FX tools institutional investors use, at institutional rates, with a dedicated adviser.
How does currency risk affect my investments?
Foreign equities, real estate and bonds are priced in another currency, so a move in the exchange rate changes what your holdings are worth in Canadian dollars, even when the investment itself performs well. The same applies each time you fund a purchase or bring dividends and sale proceeds home. FinXtra helps you convert at transparent rates, lock a rate in advance with a forward contract or set a target with a limit order. You see the full cost, including any currency markup, before you commit.
What a portfolio conversion can look like
Illustrative example only, not a quote. The bank margin shown is an assumption used for comparison. Your rate, costs and savings depend on the currency, the amount, the timing and market conditions, and your adviser confirms them before you commit.
Who we help
How FinXtra works for you
Tools for every FX point in a global portfolio
A forward contract can lock the rate on a repatriation, a dividend or a planned capital movement, up to five years ahead. A limit order lets you set the rate you want and have us act when the market reaches it, on the currency pairs eligible for the service. A multi-currency account lets you hold funds in the currency you receive and convert when the rate suits you. Hedging works in both directions: if the market moves in your favour, a locked rate means you do not benefit on the hedged amount. We help you decide how much to protect.
Why investors choose FinXtra for FX
- A dedicated adviser who knows your holdings, not a call centre.
- Forward contracts, limit orders and multi-currency accounts under one roof.
- A full cost breakdown, including any currency markup, before you commit.
- Access to wholesale FX liquidity, usually reserved for large corporations.
- Transparent pricing. No hidden fees, no surprises.
- 1,000+ clients worldwide.
Investment FX: common questions
How does unmanaged currency risk affect investment returns?
Currency markets can move 10 to 15% in a single year. For investors holding foreign equities, real estate or bonds, that movement can erode returns or amplify losses, even when the underlying investment performs well. We help you decide how much of that exposure to manage.
Why are your rates better than my bank's preferential rates?
Banks often waive small transaction fees but keep a wide markup on the exchange rate itself, which is where the real cost sits. We give you access to wholesale FX liquidity usually reserved for large corporations, with transparent, market-linked pricing.
Can I lock a rate for dividends or sale proceeds I expect later?
Yes. A forward contract can lock a rate for a known date, up to five years ahead. Hedging works in both directions, so we help you decide how much to lock.
Do you give investment advice?
No. We handle the currency side only. FinXtra does not recommend investments, so speak with your investment adviser about what to hold.
How can I fund a payment?
Options include bill payments, electronic funds transfers, bank wire transfers and pre-authorized direct debits. For security and regulatory compliance, cheques and cash are not accepted.
Are there account opening fees?
Opening an account is completely free, and you get full access to the platform.
Is FinXtra regulated?
FinXtra works with Ebury, which provides the payment and foreign exchange services. Ebury Canada is registered with FINTRAC, and all client funds are held with Ebury Canada in line with regulatory standards. See the regulatory disclosure at the bottom of this page for the US, UK and Mexico.
This page is general information, not financial advice. Services are subject to eligibility and approval. Hedging fixes your rate in both directions.
Protect your returns from currency swings
Book a free 20-minute FX analysis. We look at your situation and show you what works for you, at no cost and with no commitment.
Related personal solutions: Real estate abroad · Tuition payments · Relocation & expatriation · Family support & emergencies · Inheritance & pensions · Explore all personal solutions →
Solutions: International payments · Forward contracts
