PRACTICAL GUIDE · 3 MIN READ
Make cash visible first
Review balances across accounts and currencies alongside upcoming payments and expected collections. Without this view, it is difficult to distinguish working cash from balances without an immediate purpose.
Follow the collection
Trace the time between issuing an invoice and having usable funds. Commercial terms, customer payment timing and processing arrangements can each affect the cycle.
Review conversions in context
Map when currencies are received and when they are needed. Review spreads and fees against actual usage, including repeated conversions, rather than looking at an isolated quoted rate.
Bring a clear question to the bank
A record of currencies, volumes and timing gives the bank a more useful basis for discussing services and pricing. FX execution remains with licensed financial institutions.