Who We Are - SGM-FX Innovative Foreign Exchange Services

The SGM-FX difference

We are truly independent, meaning we can offer you tailored customer service with competitive market rates. We don’t call ourselves a foreign exchange broker, because, unlike other brokers, we commit ourselves to seeing the full transaction through, from the start to finish, in line with your needs.

A dedicated, personalised service for every customer

Behind every client is a hands-on SGM-FX account manager – committed to your needs and goals. They’ll be with you every step of the way. We pride ourselves on building long-lasting relationships with our clients and ensuring client satisfaction.

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Helping you with transfers and payments

We were set up to help the excluded gain access to expert market information, and to offer a seamless journey for both business and private clients. We work to offer the best products and account services we possibly can, in partnership with you, our client.

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…we are very pleased and thankful for the services that SGM-FX provide to our company. We sincerely appreciate their customer service and the efficiency of the transfers we perform.

Financial Institution

We have used SGM-FX for our currency requirements for several years, we find the rates competitive and the service first class.

Machinery Sales

The SGM-FX team

Set up at a time in the market where access to competitive exchange rates and professional services was near impossible to find, SGM-FX now looks after over 20,000 clients for their international FX payments and corporate foreign exchange needs.

United Kingdom
Malta

Mireille Percy

Chief Executive Officer

Mireille joined SGM-FX in 2017. Mireille has a BSc in Computer Science from Notre Dame University, Beirut and a Master’s in Finance from ESCP-EAP, Paris.

Humphrey Percy

Chairman and Founder

Humphrey has more than 40 years of international banking experience and has worked at J. Henry Schroder Wagg…

Charles Porter

ECS Department Manager

Charles joined SGM-FX in 2017 and heads the Client Dealing Desk as Director. He read political economy at the undergraduate and postgraduate levels…

Patrick McDonagh

Compliance Manager

Patrick joined SGM-FX in January 2022 and is currently studying for the International Diploma in Anti-Money Laundering from the International Compliance Association…

Jamie Pritchard

Operations Manager and Director

Jamie graduated with an honours degree in Business Management & Accounting from Brunel University in 2012. He joined SGM-FX in 2017…

Julie Neal

Office Manager & Head of HR

Julie joined SGM-FX in December 2002 at the time of the foundation of the company. Before that Julie worked in the financial services…

Humphrey Percy

Executive Director and CEO

Humphrey has more than 40 years of international banking experience and has worked at J. Henry Schroder Wagg…

Danny Rosso

Non-Executive Director and Chairman of the Board

With over 45 years of experience in managerial roles and executive directorships across diverse industries such as banking…

Karl Micallef

Non-Executive Director

Karl Micallef heads Business Development within investment services at Sparkasse Bank Malta plc. After having obtained a Masters in Financial Services…

Sandro Pecorella

Business Development Manager

In the course of his 38 year career Sandro has performed various operational and managerial roles. Having started his career in…

Frequently asked questions

Here are some key questions you may want answered.

Have any more questions?

Get in touch

How do you protect my money?

To ensure your money is safe we follow a process known as ‘safeguarding’ which is a regulatory requirement for all APIs . In this process we keep your money separate from our own money and place it in a safeguarding account with a tier one Bank (Lloyds Bank).

In the event of us going out of business, an insolvency practitioner would be appointed to return the funds we have safeguarded to our customers. This means you would get most of your money back, except for the costs deducted by the insolvency practitioner for distributing the money to our customers.

Is my money safe?

Yes. Money transfers electronically and SGM-FX is proud to make use of some of the most secure and cutting-edge technology to look after client data and transactions.

How does FSCS cover differ from safeguarding?

FSCS protects consumers together with small businesses, limited companies and charities (that meet its eligibility criteria)

When certain authorised financial services firms (such as an UK authorised bank) fail and they cannot return your money to you. FSCS is a service funded by those financial service firms who are covered by it.

FSCS provides compensation only up to £85,000 per eligible person, per bank, building society or credit union or up to £170,000 for joint accounts. This means if you have money in multiple accounts with banks, building societies or credit unions that are part of the same group (and share a banking licence) the FSCS treats them as one bank.

Whereas all the funds held in a Payment institution account are safeguarded, and the full value (minus administrative costs applied by the insolvency practitioner) will be returned to you in the event that we go out of business.

Because of the insolvency procedure, it may take longer (as compared to an FSCS claim) for your money to be returned to you.

You can find more information about using a non-bank payment service provider on the FCA’s website.

How do I transfer funds to you?

Via CHAPS, BACS, SEPA or FPS (Faster Payment System). Our account managers will be happy to discuss this further with you in a direct conversation.

Can you make SEPA transfers?

Yes, SGM-FX can make SEPA transfers to your account if it is based within the EU. Please note that with SEPA payments, we cannot issue a swift payment confirmation and your funds may take up to 3 extra working days to arrive, depending on the receiving bank.

Do you sell cash?

No. SGM-FX does not provide cash or travellers cheques.

Why choose SGM-FX?

SGM-FX combines the best of being a small, independent, and agile company combined with a professional and bespoke service. Our offer has been honed by decades of experience in currency markets.

An unparalleled professional service that is
tailored to your personal needs

We are an independent foreign exchange company offering unrivalled personal service with professional and informative account management

The SGM-FX difference

A dedicated, personalised service for every customer

Helping you with transfers and payments

The SGM-FX team

Mireille Percy

Chief Executive Officer

Humphrey Percy

Chairman and Founder

Charles Porter

ECS Department Manager

Patrick McDonagh

Compliance Manager

Jamie Pritchard

Operations Manager and Director

Julie Neal

Office Manager & Head of HR

Humphrey Percy

Executive Director and CEO

Danny Rosso

Non-Executive Director and Chairman of the Board

Karl Micallef

Non-Executive Director

Sandro Pecorella

Business Development Manager

Frequently asked questions

Have any more questions?

An unparalleled professional service that istailored to your personal needs

We are an independent foreign exchange company offering unrivalled personal service with professional and informative account management

The SGM-FX difference

A dedicated, personalised service for every customer

Helping you with transfers and payments

The SGM-FX team

Chief Executive Officer

Chairman and Founder

ECS Department Manager

Compliance Manager

Operations Manager and Director

Office Manager & Head of HR

Executive Director and CEO

Non-Executive Director and Chairman of the Board

Non-Executive Director

Business Development Manager

Frequently asked questions

Have any more questions?

Registering with us is easy

1. Register online

2. Confirm your identity

3. Start trading

An unparalleled professional service that is
tailored to your personal needs