HY10 provides ultra-high-net-worth individuals with a regulated digital platform for managing international finances. As a UK-authorised Electronic Money Institution (EMI), HY10 issues electronic money and enables secure, multi-currency accounts for effortless cross-border control.

Solving real cross-border challenges

The platform addresses common frustrations faced by globally mobile families: complex cross-border payments, opaque foreign exchange rates, and time-sensitive lifestyle coordination. Rather than replacing existing private banking relationships, HY10 works alongside them to deliver speed, transparency, and regulated flexibility where it matters most.

Seamless cross-border money management

Built for globally mobile clients, HY10 simplifies international transfers and currency conversion with transparent rates shown before each transaction. The platform complements existing private banking relationships, offering speed, clarity, and compliance without complexity.

Smarter accounts and secure payments

Hold and manage funds in GBP, EUR, USD, and CHF through HY10’s multi-currency accounts. Members receive Visa-powered payment cards with enhanced security, real-time spending controls, and instant notifications for every transaction.

Family offices can issue supplementary cards with tailored permissions, helping teams manage expenses for household, education, and travel with full oversight.

Private access, regulated confidence

Membership is available by invitation or qualified application, with an annual platform fee of £10,000. All accounts follow strict UK safeguarding rules, ensuring funds are held securely and separately from HY10’s operational money.

HY10 is authorised as an Electronic Money Institution in the United Kingdom. It does not provide deposit-taking, investment, or credit services.

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