Legal Information

If you are new to sending or receiving foreign currency, like most of us, you might assume that high street banks are the obvious place to make your large or small currency transactions. In fact, you are usually better off with a dedicated currency specialist. We have the highly detailed expertise on such transactions – including how to avoid anything going wrong – and we are able to give personal service direct from the trader, not via a call centre or app.

Smart Currency Exchange has been in operation for more than a decade. We protect our clients and ensure security through every tried and tested service and procedure that we offer. Our thousands of satisfied customers have voted us the #1 money transfer company on Trustpilot.

Smart Currency Exchange’s security and legal procedures, terms and conditions and privacy policy are all available on this website. Should you have any questions at all, we are more than happy to answer them.



Since we started in 2004, we have tried, tested and honed every procedure to ensure they are as effective and secure as possible. We are authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (FRN 504509) for the provision of payment services.

Read more about our security procedures and how you’re protected.


Privacy Policy and Cookies

We’re committed to safeguarding the privacy of all of our clients. In the running of our website we collect and process some data in order to provide you with the best service we can. Our privacy policy outlines the data we collect when you visit our site.

Read our Privacy Policy about the data we use when you visit our website.


Terms and Conditions

Our terms and conditions provide a complete run down of how we operate. They cover the services we offer, details of payments, transfers, data protection, website use and more.

View our full terms and conditions.


Queries and Complaints

We pride ourselves on customer satisfaction and value feedback of any type from our clients. We do understand though that from time to time things can go differently than expected or there can be differences that need to be resolved.

If you have a query or complaint to make regarding your account, our staff or your dealings with us, you will find everything you need here including all contact details and official channels.

Find out how to make a query or complaint


How to set up an account

To set up an account with Smart Currency Exchange you need to fill in our quick form, which should not take more than 10 minutes. The information we request at this stage will help us to service your initial transfer needs. We verify your identity and conduct the anti-money laundering checks all money transfer institutions are obliged to by HM Revenue and Customs.

Learn more about setting up an account.