International money transfer specialists
Smart CurrencySimple, seamless and secure foreign currency transfers – no matter your reason for sending money overseas.
Why choose Smart Currency Exchange?
Rated Excellent
Thousands of five-star customer ratings on Trustpilot.
Over £12 billion
Transferred for our customers
20+ years
Experience as currency experts
Authorised by the FCA
Secure, quick and efficient transfers.
Our services are designed to minimise the risk of currency fluctuations. We customise our approach to meet each client’s unique requirements. We help you understand your budget, assess the potential impact of currency risk, and ensure your transfers are quick, secure and easy. Our dedicated team will work closely with you to provide the best solutions based on your specific needs and timelines – utilising specialist products that your bank is unlikely to offer.
Here to support you
Navigating the currency markets can be daunting.
If you’re accustomed to exchanging a few euros at the airport, transferring large sums could feel overwhelming without the right support and guidance.
Understanding the risks
Currency rates fluctuate constantly, impacting the amount you receive when converting money. Recent swings have led to potential losses of up to 10% of your transfer’s value. While some market movements can be anticipated, many are unpredictable. Seemingly minor events, like UK salary data releases, can have significant impact. In recent years, Brexit, global pandemics, war and political changes add to this volatility. We can help you develop a plan to minimise the impact and costs associated with these fluctuations.
Choose Smart
With over £12 billion transferred on behalf of our clients over 20 years, we’ve encountered nearly every scenario. Even leading economists struggle to accurately forecast exchange rates, making it a gamble to rely on predictions. Our highly-trained staff and comprehensive resources focus on educating you to make informed decisions, and help in mitigating the risks associated with uncertain currency markets.
Our team are available Monday to Friday, 8:30am to 6pm
How we can help
Foreign exchange products and services
Whether you need to make an immediate payment or plan for future transactions, we have the right service for you. From one-off payments to ongoing transfers, we’ll collaborate with you to develop an effective strategy tailored to your needs. Take advantage of specialist tools to lock in an exchange rate for use on future transactions and gain certainty over your costs.
Download our latest currency forecast
Market Insights and Risk Management
Markets are inherently volatile, making it crucial to protect your finances. Even the most esteemed economists in the world are unable to correctly predict which way currency markets will move. Read our latest quarterly currency forecast to better understand the risks, what the world’s biggest banks predict, and how far they have been off in recent predictions!
Testimonials
Join thousands of satisfied customers
Having been trusted by over 50,000 customers to safely transfer their money abroad, we’ve gathered thousands of real customer reviews. See what our customers have to say on independent reviews website, Trustpilot.
Rated Excellent for Currency Exchange & Money Transfers
“I was a little nervous moving a large amount of money, but the process was very smooth and funds arrived without any issue.”
Chris Griffiths-Perkins View all testimonialsRated Excellent for Currency Exchange & Money Transfers
“We have a dedicated account manager who provides an excellent service. Fast, efficient and personable. We can highly recommend.”
Denise Crisell View all testimonialsContact us today
Find out how we can help
Let us know a little more about your upcoming currency exchange needs, and one of our UK-based currency experts will be in touch.
Avoid losing money if currencies move against you.
Access a dedicated account manager
Secure, quick and efficient transfers. Authorised by the FCA.
We handle your data with care and only ever as outlined in our Privacy Policy.
Reasons for transfer
Find the right solution for your transfers
Frequently Asked Questions
How quickly can I transfer money overseas?
We aim to transfer your money onward the same day it is received to our account. In many cases the money reaches your recipient same-day or within 1-2 business days depending on the currencies and destinations involved.
Are there any hidden fees on my currency transfer?
No – unlike banks and other money transfer providers, we don’t charge transfer fees. We make a small margin on the exchange rate, which we’ll always explain clearly when booking your transfer.
What is currency risk?
Currency risk is the chance that exchange rates will move against you before you’ve made your transfer. Because exchange rates are influenced by global events, politics, and economic shifts, they change constantly – often by the second. This becomes a risk when your transfer is tied to a future event – like paying the final balance on an overseas property – but you haven’t yet locked in a rate. If the rate worsens by the time you need to transfer, your transfer could cost a lot more than anticipated. To protect against this, we offer tools like forward contracts and market orders to help you plan ahead and secure your rate.
Can I set up regular payments abroad, not just one‑off transfers?
Yes. Our Regular Payment Plans make monthly or quarterly transfers simple, secure and cost-effective – perfect for pensions, mortgages or tuition fees.
Is this service safe and regulated?
Yes. We’re authorised by the Financial Conduct Authority (FCA), held to similar regulations as banks and other financial institutions and all client funds are held in segregated accounts for maximum security.
Who is Smart Currency Exchange best suited for?
We support individuals making large or regular international payments – like buying or selling property, relocating, investing or supporting family abroad. We specialise in bank-to-bank transfers. We are not able to support with cash deposits or travel money.
Do you help with large and complex transfers (e.g. property or emigration)?
Absolutely. Whether it’s a deposit, sale proceeds or relocation funds, we provide tailored support and currency tools to protect your money.
How do I get started with Smart Currency Exchange?
Simply register for a free account. A currency specialist will get in touch to discuss your needs and help you plan your transfer.
