Operating across Australia, Japan, and the United States means holding balances in three currencies and, from time to time, moving money between them. Two ideas make this manageable: FX (foreign exchange, or converting one currency into another) and settlement (how and when you actually get access to your funds). This page explains both across AUD, JPY, and USD.
This page builds on handling AUD, JPY, and USD payins and payouts, which covers collecting and sending in each currency. Here we focus on converting between them and accessing the money.

​
Converting between currencies (FX)

When you need to move funds from one currency to another (for example, converting AUD to USD to pay a US supplier), you convert between your currency balances at the current market rate.

Real-time exchange rates

Conversions use up-to-date rates, so you can see the cost of each conversion and choose when to convert.

Convert on demand

Convert any amount between supported currencies when your operations require it, for instance moving AUD to fund a payout in another market.

Prepare payouts in local currency

Convert into the recipient’s currency before paying out, so they receive a local-currency payment without dealing with a foreign transfer.

Fewer, better-timed conversions

Holding local balances lets you avoid converting at awkward moments and cuts down on unnecessary conversions.
The cheapest conversion is often the one you do not make. Keeping a balance in each currency you regularly use means you only convert when you genuinely need to move money across currencies.

​
How settlement differs by market

“Settlement” is when the money becomes truly available to you. Because each market’s payment systems behave differently, the timing of settlement depends partly on how the payment came in.
Real-time bank payment systems (Australia’s NPP, Japan’s More Time System, the US FedNow and RTP) make funds available in seconds. Batch systems like ACH, and card settlement, take longer. Plan your cash flow around the method, not just the currency.

​
Flexible access to your funds

Once funds have settled into a currency balance, you can decide what to do with them.
Keep the balance in its own currency until you need it, avoiding conversions you do not have to make.

​
Keeping cross-border operations simple

See all currencies together

A single view of your AUD, JPY, and USD balances gives you a real-time picture of what you hold in each market.

Stay compliant per market

Cross-border activity needs to meet each market’s rules; a platform that handles this for you keeps FX and settlement compliant without manual effort.
Hello Clever’s cross-border and FX capabilities centre on the APAC region and evolve over time. For current supported currencies, rates, and settlement options, see the Multi-Currency FX Service and the Settlement Service.