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Global banking solutions

As you expand internationally, we help you reduce complexity and risk with global banking solutions, including international cash management, global trade finance and foreign exchange to navigate your global growth.

Global payments and receivables Global payments and receivables
Foreign currency accounts Foreign currency accounts
Foreign exchange Foreign exchange
Global Trade Finance Global Trade Finance

Global Payments and Receivables

Send cross-border payments in 90+ currencies using high-value wires or low-cost, efficient, local clearing systems. When making overseas payroll, vendor payables or closing on an investment, we have payment solutions to meet your needs. 

Collect from around the globe in up to 26 currencies. Whether you're collecting into your own foreign currency account or leveraging our bank network to simplify your foreign receivables, our solutions make it easy.

International payment options via multiple payment channels.

  • Swift- High value wires offering same day and next day delivery.
  • Global ACH – Less expensive option for lower value payments.

Foreign Currency Accounts

Send, receive and hold up to 19 currencies while managing your foreign currency risk by opening US-domiciled, FDIC insuredD Multi-Currency Accounts (MCA). Perfect for those looking to access local payment networks from a non-USD account without the complexity of opening an overseas bank account.

Access local In-Country Accounts (ICA) through our global bank partner network. We can connect you with local banks in over 25 countries that can support payables, receivables and taxation needs with payments through local clearing systems. View and manage your global accounts in our digital banking platform to support consolidated cash reporting and wire initiation.

Foreign Exchange

Our FX specialists help optimize your foreign currency payment workflows and provide strategies to protect volatility on your non-US dollar transactions. 

Global Trade Finance

Our trade finance solutions, global experience and international networks help you navigate the complexities of cross-border business and find success in new markets. 

Explore more opportunities with Letters of Credit instead of pre-payments to reassure partners, vendors and clients that commitments will be fulfilled. 

Merchant Services

Scale your global business and accept payments in over 140 currencies around the world. Powerful real-time analytics give you fast insights into sales data, trends and performance across your channels and locations. Learn more about our Merchant Services Solutions.

Commercial Cards

A scalable card with more flexibility to manage purchases and payables. AI-powered spend management – optimize global spend controls, increase efficiency with instant card issuance, integrated travel booking, expense reporting, automated reconciliation and more – at no extra cost. Learn more about our Commercial Cards.

Specialized Teams to support every stage of growth.

Get started with SVB as your global banking partner and expand your horizons with confidence.

Pre-Seed and Seed

Early-stage startup banking

Series A

Banking for accelerating startups

Series B, C+

Banking for venture-funded growth stage companies

Corporate Banking

For late-stage companies

Get more out of your global banking experience

With over 40 years of experience partnering with global innovators and entrepreneurs, we can help you with insights into growing and expanding overseas.

Global Banking Insights

Access articles with actionable advice to help you successfully manage international business growth.

Blog | FX Risk Advisory for Private Funds CFOs

Foreign exchange hedging for cross-border exits

Short-dated FX forwards can be used to help mitigate the FX rate uncertainty that arises between the time a portfolio company is sold and the funds are repatriated back.

Blog | FX Risk Advisory for Corporates

Foreign exchange hedging for cross-border investments

Since FX impacts global returns, we recommend investors give FX the same close consideration as they would any other asset class.

Blog | FX Risk Advisory

Foreign Exchange budget rates: A key milestone in treasury and FP&A maturity

The choice of FX budget rate should align with a company’s broader business strategy and support business objectives through greater planning certainty.

Global Banking Solutions FAQs

Foreign exchange (FX) services help growth companies convert and manage currencies so they can pay global teams and suppliers with less risk. FX services often include spot conversions for invoices, forward contracts to lock in today’s rate for future payroll and vendor costs, and hedging tools for forecasted cash flows. Banks like SVB also support venture-funded companies with FX advisory on risk management strategies tailored to each stage of growth.

A letter of credit (LC) enables businesses to provide a bank-backed payment guarantee to a supplier, landlord, or other business partner (in lieu of prepayment). For example, growth companies use LCs when buying inventory from new overseas manufacturers, securing lease contracts for global expansion, and reassuring contractors that payment will be made for a workspace buildout. For global trade finance, LCs help companies de-risk cross-border deals while preserving working capital.

To the maximum account limits supported by the FDIC.

Foreign exchange transactions can be highly risky, and losses may occur in short periods of time if there is an adverse movement of exchange rates. Exchange rates can be highly volatile and are impacted by numerous economic, political and social factors as well as supply and demand and governmental intervention, control and adjustments. Investments in financial instruments carry significant risk, including the possible loss of the principal amount invested. Before entering any foreign exchange transaction, you should obtain advice from your own tax, financial, legal, accounting, and other advisors and only make investment decisions on the basis of your own objectives, experience and resources. Opinions expressed are our opinions as of the date of this content only. The material is based upon information which we consider reliable, but we do not represent that it is accurate or complete, and it should not be relied upon as such.

This material, including without limitation to the statistical information herein, is provided for informational purposes only. The material is based in part on information from third-party sources that we believe to be reliable but which has not been independently verified by us, and, as such, we do not represent the information is accurate or complete. The information should not be viewed as tax, accounting, investment, legal or other advice, nor is it to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision. Nothing relating to the material should be construed as a solicitation, offer or recommendation to acquire or dispose of any investment, or to engage in any other transaction.

All credit products and loans are subject to underwriting, credit, and collateral approval. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend.

First-Citizens Bank & Trust Company, as well as its divisions, subsidiaries, and affiliates (together, First Citizens), are US financial institutions and provide products and services to non-US clients on a cross-border basis from the United States of America. First Citizens is not licensed or regulated as a bank or any other type of financial institution outside of the United States of America. Please review our International Disclosures for more information.

©2026 First-Citizens Bank & Trust Company. All rights reserved. First Citizens Bank is a registered trademark of First Citizens BancShares, Inc..

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