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Their own payment-practices filing · gov.uk

The Currency Cloud Limited pays suppliers in 58 days on average — 13 days past its stated terms

CRN 06323311 · Financial services · 5 statutory reports on record · period to 31 Mar 2026

58daysavg time to pay · H1 2026

Their H1 2026 filing puts the average 13 days past the 45-day term they state.

Slower than mostvs a 31-day median across 6,104 recent filers
Their stated terms
45 days
Paid outside agreed terms
51% of invoices
Paid after 61+ days
22%
Reporting period
1 Oct 2025 – 31 Mar 2026
Source
their gov.uk filing, filed 30 Apr 2026

Self-reported figures from their statutory filing. How this is compiled.

Terms vs reality · their H1 2026 filing

Paid 13 days past their stated terms

The pattern · last 5 of 5 reports

49 → 58 days — slowing down

The read · computed from their figures

The Currency Cloud Limited's H1 2026 filing puts their average at 58 days against stated terms of 45 days; 51% of invoices were paid outside agreed terms and 22% took 61 days or longer. Filed 30 Apr 2026.

The direction is slower: from 49 days in H1 2024 to 58 now — 9 days slower across their last 5 reports.

On the latest reported averages: Slower than 97% of the 638 large companies reporting in financial services.

That is 5 statutory periods on record (earliest H1 2024) — a historical record, not a promise for a new invoice.

What they tell their suppliers

Offers e-invoicing

In their own words · from the filing

Standard payment terms

The Company’s standard contractual payment terms are 45 days from the invoice date. The maximum contractual payment period was: 45 days. The following changes to the standard payment terms were made in the reporting period: None Suppliers have been notified or consulted on these changes by: N/A

Dispute resolution

Each party agrees to act in good faith and to use all reasonable endeavours to resolve any disputes arising out of or in relation to this Agreement. Either party may give the other a notice in writing if they feel that the dispute cannot be settled by such negotiations (“Dispute Notice”). Within 14 days of service of a Dispute Notice the parties will be able to refer the dispute to senior management of their respective companies who shall attempt to resolve the dispute. Should good faith negotiations have not been resolved within 21 days, the parties are to undertake mediation in accordance with the LCIA Mediation Procedure (“Mediation Notice”). If the dispute is not settled by mediation or other negotiation within 60 days of service of a Mediation Notice or, if no Mediation

Every statutory report on record

Most recent first.

PeriodAvg daysOutside terms61+ daysFiled
H1 20265851%22%30 Apr 2026
H2 20254540%14%29 Oct 2025
H1 20254826%16%28 Apr 2025
H2 20245044%27%30 Oct 2024
H1 20244945%25%30 Apr 2024

On the public register · Companies House

Company record

Status
Active
Type
Private Limited Company
Incorporated
25 Jul 2007
Registered office
1 SHELDON SQUARE, LONDON, W2 6TT
1 outstanding charge — secured borrowing registered Accounts due 30 Jun 2027

Open the full record at Companies House.

Illustrative · working-capital arithmetic

What a 58-day cycle ties up

A worked example, not a finding. On a hypothetical £12k/month account, at a 58-day vs a 45-day payment cycle.

≈ £23,000
of invoicing outstanding at any one time on a 58-day cycle — about £5,100 more than the same account would carry at 45-day terms.

Late Payment Act. The Late Payment of Commercial Debts (Interest) Act 1998 lets a supplier charge statutory interest and fixed compensation on invoices paid past agreed terms. Work out what a late invoice is worth → Whether it applies depends on your contract — check with an adviser.

Quick answers · The Currency Cloud Limited

Are they getting slower or faster?
Their reported average has moved about 9 days slower over the window (49 → 58 days).
What's their typical pay point?
Their latest filed report puts the average at day 58; across their last 5 reports it ranged 45–58 days. Treat that as a historical reference point, not a promise for a new invoice.
Can I see what this means for my invoices?
Run the live check — it re-reads their record and their live Companies House file, on the amount you invoice.
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How UK payment reporting works

What is a Payment Practices Report?
UK companies and LLPs above a size threshold — broadly, two of: turnover over £54m, balance sheet over £27m, or more than 250 employees — must report twice a year, under the Reporting on Payment Practices and Performance Regulations 2017, how quickly they actually pay suppliers: the average time to pay, the share of invoices paid in 30 days or fewer, 31 to 60 days and 61 days or longer, and their standard payment terms. Those thresholds apply to financial years beginning on or after 6 April 2025; for earlier financial years they were £36m and £18m, with the same 250-employee test.
What does "paid outside agreed terms" mean?
The share of invoices paid later than the terms in the supplier contract. If terms are 30 days and an invoice is paid on day 45, it counts as paid outside terms, regardless of the headline average.
How often is this data updated?
Each report covers a six-month period and must be filed within 30 days of that period ending, so a company's record refreshes roughly twice a year. PaidLate re-reads the register as new reports are filed.
Is this official government data?
The underlying payment figures come from the company's own statutory filings on the gov.uk payment-practices service; company-status data comes from Companies House. PaidLate calculates trends, comparisons and summaries from those records. It does not use surveys or credit-agency scores.

How this is compiled. Built from official records only: Companies House and the gov.uk payment-practices service. The payment figures are self-reported — companies over the size threshold must file them by law and the board signs them off. No credit-agency data. The numbers are theirs; the plain-English read is ours. This is information compiled from public records under the Open Government Licence v3.0 — not a credit rating and not advice.

The 31-day comparison figure is the median across 6,104 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).

Report PL-06323311 · latest period to 31 Mar 2026

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