Jessica L.
Freddie was really helpful and always available to answer any questions. The process was quick and simple. I will definitely use this service again!
4.915 Google reviews
For the international transfers you'd rather not do alone
See your exchange rate instantly, know exactly what margin you're paying, and speak directly with our founder, Freddie. Get in touch by phone, WhatsApp or email.
- See your exchange rate instantly - no waiting
- We charge a transparent 0.25%–0.40% margin
- We support 40+ currencies across 100+ countries
- Lock in a fixed rate for a future transfer
Send, save... & relax.
Transparent pricing, always shown upfront.
Your funds are fully protected with Currencyflow through our FCA-authorised payment institution partner, Sciopay Ltd (FCA number 927951), and held in segregated safeguarded accounts, separate from operational funds.
A more personal way to move money internationally
Moving a significant amount of money abroad can involve deadlines, paperwork and exchange-rate decisions you don't make every day. Currencyflow combines transparent pricing with direct personal support, so you can see your rate for yourself and speak to someone when you want to.
Speak directly with our founder
Speak directly with Freddie by phone, WhatsApp or email. You'll have someone who understands your transfer and is available when you want to talk it through.
Know what you're paying
Our transparent 0.25%–0.40% margin is based on transfer size and included in the exchange rate we show you. There are no payment transfer fees.
Know where you stand
Once we've agreed your margin, we don't change it. The market exchange rate may still move until your exchange is booked, but our margin stays the same.
Plan ahead when you need to
Fix an exchange rate for a future transfer with a forward contract, or set a target rate if your timing is flexible and wait to see if the market reaches it.
What our customers say
Asheek B.
Great service. Efficient, transparent and clear communication at each step.
Melvin C.
Reliable service with transparent and low cost.
Mohammed G.
Mid N.
Ruth G.
Arfan M.
Yarkin B.
Martin W.
Efficient, secure and very good rates. Can only give my top recommendation.
Abdul Q.
Deon O.
Quick, Low cost, Professional and very friendly service. HIGHLY recommend!!
Christie C.
Freddie was available every step of the way to support me with my first transfer and educated me how to do my own in the future! Excellent service- thank you!
David E.
Freddie has been great in facilitating my FX transfers, I highly recommend this company over traditional banks to get the best rates!
Swipe to see more reviews →
Our story
We started Currencyflow because sending money abroad felt more complicated than it should. People were asked to wait for callbacks, quoted rates that could shift without warning, and often felt pressured into making quick decisions.
We believed there was a better way.
At Currencyflow, we built a service that puts clarity and control back in your hands. The moment you request a quote, you see your live exchange rate instantly. When it comes to pricing, we keep things fair and straightforward, so you always know where you stand.
And because money is personal, so is our support. Every client has their own dedicated account manager to guide them from day one, answer questions, and make sure trades run smoothly. We will always keep in touch in the way you prefer, whether that is WhatsApp, a quick call, or email updates, and never more than you want.
Our mission is simple: to make sending money abroad clear, fair, and personal.
Freddie Smith
Founder & CEO
How Currencyflow works
See your exchange rate
Enter the currencies and amount you're transferring and see the Currencyflow exchange rate available to you on screen.
Open your account
If you're happy with the rate, we'll guide you through account setup and verification and answer any questions along the way.
Send your funds
Use the payment instructions we provide to fund your transfer. We'll let you know when the money arrives.
We make your international payment
We convert your money at the agreed exchange rate and send it to your chosen recipient, either straight away or on the date you've arranged.
How we make it easy
Fast setup, no delays
Getting started is simple. We'll help you open your account quickly, and in most cases, we can send your money on the same day once it's funded.
Transfer the way that suits you
Send one-off payments or set up regular transfers. There's no upper limit, and you'll receive the same personal service no matter the size of the transfer.
Clear updates at every step
Your account manager will keep you informed from start to finish. You'll always know where your money is, with no guesswork or chasing.
Who we help with international transfers
We work with people and businesses who need to move money overseas. Some are sending a large amount just once. Others are making regular payments or managing something more complex. Whatever the case, we make it easier. You get clear support, strong rates, and no surprise fees.
Large money transfers
If you're sending a significant amount, from selling a property, moving savings, or making an investment, we'll guide you through it. That includes help with timing the transfer so you get the best possible outcome.
Large money transfers →
Regular payments
Some of our clients send money abroad on a regular basis. That might be to cover a mortgage, tuition, or to support family. We'll help you set things up in a way that's simple and reliable. If you want to lock in an exchange rate for peace of mind, we can sort that too.
Regular transfers →
Property transactions
When you're dealing with a property abroad, the money side can get stressful. There's usually a deadline, the amounts are big, and timing really matters. We've helped a lot of people through this. Whether it's sending a deposit, making the final payment, or sorting out ongoing costs, we'll help you keep things on track.
Buying property abroad →
Businesses and freelancers
We work with small businesses and independent professionals who need to pay or get paid internationally. Our service is quick, flexible, and backed by currency specialists who understand how your business runs.
Business transfers →
Locking in a rate
If you know you'll need to send money on a specific future date, a forward contract lets you fix your exchange rate now and make the transfer later. That means no surprises, regardless of how markets move between now and then.
Forward contracts →
Aiming for a better rate
Not every transfer needs to happen today. If you're happy to wait, tell us the rate you're hoping for and we'll keep watching the market for you, moving your money the moment that rate comes up, so you're never stuck accepting whatever the rate happens to be right now.
Target rate orders →
Retiring abroad
Moving your life overseas usually means a property completion, a lump sum, and a pension to convert once you're there. We help you decide which payments to fix a rate for and which to leave flexible.
Retiring abroad →
Emigrating for work
A job abroad brings upfront costs and a relocation lump sum, often before your local bank account is open. We help you move the money in the right order and fix the rate on the payment that matters most.
Emigrating for work →
Repatriating income
If you earn overseas and send money home, whether that's regular salary, a pension, or a one-off bonus, the right setup depends on the shape of the income. We keep an ongoing cost steady and help you catch a good rate on a one-off.
Repatriating income →
Supporting family abroad
If you send money to family in another country, doing it by hand each time means a fresh rate and fresh admin. We set up recurring support that converts and sends a steady amount automatically, so you're not repeating the same transfer over and over.
Supporting family abroad →
Big purchases abroad
A wedding, a car, or another large one-off purchase abroad commits you to a payment in a foreign currency months ahead. We help you fix the rate now or wait for a better one, so the final cost isn't left to wherever the market sits on the day.
Big purchases abroad →Rates & fees
Competitive rates for high-value transfers
We offer excellent exchange rates, and your rate is tailored to the size and currency of your transfer. The more you send, the better your rate.
No payment transfer fees
We don't charge payment transfer fees. Our fee is a margin applied to the exchange rate, which is always shown to you upfront before you commit to anything.
Clear pricing from the start
You'll know exactly what the rate is and how much you're sending before anything goes ahead. Nothing hidden, nothing confusing. Just a clear breakdown from the start.
Supported currencies
We support transfers in the following currencies. Contact us if you need a currency not listed here.
USD
EUR
GBP
AUD
CAD
NZD
ZAR
AED
INR
SAR
Currencyflow indicative exchange rates
See Currencyflow's current indicative exchange rates for some of our most popular currency pairs.
Our Currencyflow indicative rate is based on a reference transfer value of £50,000 or the equivalent in the currency being sent.
Your actual exchange rate may vary depending on the amount you send because our margin varies by transfer size.
| Currency pair | Currencyflow indicative rate |
|---|---|
 GBP to EUR | 1 GBP = 1.1633 EUR |
| EUR to GBP | 1 EUR = 0.8541 GBP |
GBP to USD | 1 GBP = 1.3356 USD |
| USD to GBP | 1 USD = 0.7439 GBP |
| USD to EUR | 1 USD = 0.8682 EUR |
| EUR to USD | 1 EUR = 1.1444 USD |
GBP to AED | 1 GBP = 4.9057 AED |
| AED to GBP | 1 AED = 0.2025 GBP |
 SAR to GBP | 1 SAR = 0.1980 GBP |
 QAR to GBP | 1 QAR = 0.2043 GBP |
Rates are based on a reference transfer value of £50,000 or equivalent at a 0.30% margin, updated hourly and confirmed when you book. No payment transfer fees.
Why choose Currencyflow over your bank
| Feature | Currencyflow | Traditional Banks |
|---|---|---|
| Personal account manager | Included | Typically not offered |
| Competitive exchange rates | Tailored to your transfer size | Often less favourable |
| Transparency | Rates shown up-front on our site | Rates obscured or only available by phone/email |
| Transfer fees | None | Often includes extra charges |
| Speed of transfer | Same day (in most cases) | Slower processing, can take several days |
| Market timing guidance | Available | Not provided |
| Forward contracts (rate locking) | Available | Rarely available |
| Real human support | Phone, WhatsApp, email | Call centres or chatbots |
Swipe to see more →
Popular transfer routes
UK to Spain money transfer guide
Understand how to move money from the UK to Spain, with costs, timing, and how we compare to banks.
US to UK money transfer guide
A complete guide to sending money from the US to the UK, covering exchange rates, transfer speed, and legal requirements.
Saudi Arabia to UK money transfer guide
Everything you need to know about sending money from Saudi Arabia to the UK, from regulations to costs and how we can help.
UAE to UK money transfer guide
Discover how to send money from the UAE to the UK smoothly, with advice on paperwork, timing, and avoiding extra charges.
UK to US money transfer guide
Find out the best ways to move money from the UK to the US, including fees, exchange rates, and your transfer options.
UK to France money transfer guide
Guidance on transferring money from the UK to France, with tips on exchange rates, bank alternatives, and tax considerations.
Qatar to UK money transfer guide
A complete guide to sending money from Qatar to the UK, including exchange rates, documentation, and how we make it straightforward.
UK to Australia money transfer guide
How to transfer money from the UK to Australia with competitive GBP to AUD rates, no fees, and a dedicated account manager.
Why trust Currencyflow
Your money is protected
Funds are held in safeguarded client accounts through our FCA-authorised payment institution partners. This keeps your money separate from business operations and protected at all times.
Dedicated personal support
Every client has their own account manager from day one. You will always have someone to guide you, answer questions, and make sure everything runs smoothly.
Built-in fraud protection
We use secure processes including two-factor authentication and transaction monitoring to protect your account. Every transfer is verified for safety.
