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Excellent

1,500+ reviews

Reduce your risk. Lock in your rate for up to 12 months with a forward contract

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Authorised by the FCA

Since 2004 we’ve helped thousands of customers to transfer more than £12 billion around the world

Expert Traders

Access our expert traders over the phone

Safe & Secure

Safe and secure payments, FCA authorised

Cost effective

Make large transfers cost effectively

Manage Online

Manage and make payments online

Exclusive currency partners

How A Forward Contract Works

1. Register

Open an account in minutes online or over the phone

2. Lock in your Rate

Plan your costs and reduce risk. Book your rate for up to 12 months

3. Make a Transfer

When your payment is due send us the funds and exchange at pre-booked rate

Rated excellent by 97% of our customers

From 1,600+ reviews on Trustpilot

My wife and I are looking to purchase a property in Spain in early 2022 and we purchased a Forward Contract for a year to give us certainty when completing our purchase. Dealing with George Finch was easy and the first part of the transaction went without a hitch
Iain and Susan D
I have used SMART a number of times over the years…On this occasion the amount to change from USD to GBP was considerably larger than previously and exchange rate movement was a real risk. Danny Cook assisted me in this matter…recommended a forward contract to secure a satisfactory rate pending receipt of funds.
Andrew Sykes

How we can help

Why choose us?

Smart Currency Exchange is here to help you take control and to manage every transfer sensibly and successfully. We’ve been in operation for more than a decade. In that time we’ve helped people to transfer more than £10 billion around the world.

Our Customer Service

We pride ourselves on our customer service – putting you at the forefront of everything we do. Our dedicated team of currency experts, based in our head office in London, are on hand throughout the day. Get in touch with us today by completing our simple online form.

Currency transactions for property purchases

Currency transactions for property may seem complex, daunting even. But we make thousands of such payments every year and you can have total confidence. We are dedicated to helping customers with international transfers and property-related currency needs. Plus, we are also partnered with some of the biggest names in the industry.

Example currency fluctuation
Property cost – €150,000
Minimum cost in last 6 months – £125,712
Maximum cost in last 6 months – £130,050
Fluctuating exchange rates over the last 6 months could have increased the cost of this property by £4,338
Lock in today's exchange rate for up to 12 months

Gain more control over your budget and payments by locking in an exchange rate for up to 12 months.

How does a Currency Forward Contract work?

A Currency Forward Contract lets you lock in an exchange rate for up to 12 months. You might take this option if you have paid a deposit on a property abroad and are worried that the pound could weaken, leaving you out of pocket when you pay the balance. It allows you to reserve foreign currency when you feel the currency you have is strong, or vulnerable to weaken.

With the contract signed, and your 10% deposit paid, no matter how the currency values fluctuate, you will always be able to trade at the agreed rate. You might use one if you are making a regular payment every month; for an overseas mortgage perhaps, or stage payments on a new-build. Without a Forward Contract, a monthly payment of €10,000 will vary by hundreds and even thousands of pounds each time you make it.

“I have been using Smart Currency for years now both for business or personal. They have always been super efficient, friendly and reliable. They care about what they do. Would highly recommend them.”
Olivier Lievre