Live currency exchange rates

View live exchange rates, check historical currency charts and get a free quote from a currency expert when you’re ready to transfer.

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Live exchange rates table

Please note these are interbank rates, to be used only as a guide. The actual exchange rate you receive will differ slightly. Read more.

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Why choose Smart Currency Exchange?

Currency experts

Get your questions answered by a currency expert over the phone or via email

Quick, secure and efficient

Payments are sent and received same-day, where possible. Or you can lock-in an exchange rate for up to 12 months.

Safe & secure

We’ve securely transferred over £12 billion in currency transfers. Trusted, safe and authorised by the FCA.

Frequently Asked Questions

What are interbank exchange rates?

Interbank rates are those you will see quoted on the news. We also use these rates for our live rates monitoring tools and charts. These are the live exchange rates at which banks are trading currencies with each other in huge volumes. While you can use these rates as a guide to how currencies are strengthening and weakening, they are not on offer to the general public.

The rates you receive

It is important to note that the rate you receive when buying or selling currency will not be the interbank rate. Instead, you will be offered a commercial exchange rate, which is the rate available from banks and currency providers. This rate will factor in a margin, which is how Smart Currency Exchange and all other currency providers make money. These rates, combined with our expert guidance, products and services are tailored to deliver a service to suit your needs.

Stay informed with Smart Currency Exchange

To understand how you are impacted by currency fluctuations, your best option is to speak to a currency expert. Rather than trying to gamble on which way you think exchange rates will move, your account manager will work with you to put a plan in place that matches your needs.

What will the exchange rate be in 3 months' time?

Nobody can accurately predict what will happen to exchange rates. Even the world’s most esteemed economists get it wrong almost every time they make a prediction.

Currencies are affected by virtually any economic and political news. Anything from revised inflation forecasts to political changes, from British house prices to an American President tweeting late at night, can shift the value of the currency you hold.

On some days, if you’re lucky, you could find the market rates have moved in your favour. On others, negative fluctuations could leave you out of pocket. If you’re transferring significant amounts, just a 1% fluctuation could cost you thousands.

We’re here to help you avoid the risks associated with currency fluctuations and to provide some certainty when it comes to your transfers. Every service we offer is designed to minimise your risk of losing money.

How can currency movements affect you?

Here is a simple table showing the highest real movements of how much extra it could have cost to transfer pounds to buy €250,000 euros over various timeframes over the last 5 years:

Currency risk example
Timeframe	Highest % fluctuation	Impact on €250,000 transfer
1 hour	0.8%	£1,739
1 day	4%	£8,696
1 week	6%	£13,043
1 month	10%	£22,609
3 months	15%	£31,522

As you can see, in just a matter of minutes you could lose hundreds, if not thousands by transferring at the wrong time or gambling on where exchange rates may move to and getting it wrong.

Speak to our team of currency experts to put a currency plan in place and reduce the potential risk to your transfers.