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 safeguarded and kept separate from Currencyflow's operational funds. They are held in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951).
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 →
Why I built Currencyflow
When I started Currencyflow, there were two things I felt really mattered: being able to see your exchange rate clearly and having someone you could actually speak to when you wanted to.
I liked the simplicity of being able to see a rate online and make a decision in your own time. But I also believed there was real value in personal service, particularly when you're moving a significant amount of money or dealing with something important like a property purchase, relocation or business payment.
Currencyflow was built to bring those two things together.
You can see the exchange rate available to you, understand the margin we're charging and know where you stand before you commit. And because money is personal, so is our support. If you'd rather talk something through, you can call, WhatsApp or email me directly.
Our mission is simple: to make sending money abroad clearer, more transparent and more personal.
If you'd like to talk through a transfer before you do anything, get in touch.
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.
International transfers for the moments that matter
Currencyflow helps individuals and businesses with international payments where the amount, exchange rate or timing deserves a little more attention.
Large money transfers
Moving savings, property-sale proceeds or investment funds? We can help you understand the exchange rate available, consider the timing of your transfer and guide you through the process from start to finish.
Large money transfers →
Regular international payments
Regular payments for mortgages, education, family support or other ongoing costs can add up. We can help you arrange recurring transfers and, where appropriate, fix an exchange rate for future payments.
Regular transfers →
Property transactions
Buying or selling property abroad can involve large payments, fixed deadlines and several stages. We can help you plan deposits and completion payments, understand the exchange rate available and manage the transfer with confidence.
Buying property abroad →
Business international payments
Paying overseas suppliers, payroll or other international business costs often means balancing timing, cash flow and exchange rates. Currencyflow gives you transparent pricing, personal support and exchange-rate tools when you need more certainty.
Business transfers →
Forward contracts
If you know you have a future payment coming up, a forward contract can let you fix an available exchange rate in advance, helping you plan your transfer before the payment is due.
Forward contracts →
Retiring abroad
Moving abroad or retiring overseas can involve property funds, savings, pensions and ongoing payments in different currencies. We can help you plan which transfers to make now and which to arrange for later.
Retiring abroad →Currencyflow exchange rates and pricing
We start with the current mid-market exchange rate and apply a transparent margin based on the size of your transfer.
Transparent 0.25%–0.40% margin
Our margin depends on transfer size and is included in the Currencyflow exchange rate we show you.
No payment transfer fees
We don't add a separate Currencyflow fee for sending your international payment.
See your rate before you book
You'll see the Currencyflow exchange rate available to you and how much your recipient will receive before you confirm your transfer.
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 = 1.1620 EUR |
| EUR to GBP | 1 EUR = 0.8551 GBP |
GBP to USD | 1 GBP = 1.3319 USD |
| USD to GBP | 1 USD = 0.7460 GBP |
| USD to EUR | 1 USD = 0.8697 EUR |
| EUR to USD | 1 EUR = 1.1425 USD |
GBP to AED | 1 GBP = 4.8923 AED |
| AED to GBP | 1 AED = 0.2031 GBP |
 SAR to GBP | 1 SAR = 0.1986 GBP |
 QAR to GBP | 1 QAR = 0.2049 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.
What you get with Currencyflow
| Details | Currencyflow |
|---|---|
| Currencyflow exchange rate | Shown instantly |
| Margin | 0.25%-0.40%, depending on transfer size |
| Currencyflow payment transfer fees | None |
| Personal support | Phone, WhatsApp and email, including direct founder access |
| Future rate tools | Forward contracts and target rate orders |
| Coverage | 40+ currencies across 100+ countries |
| Safeguarding | Client funds held in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951) |
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
International 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 payment transfer fees, and direct founder access.
Your money is safeguarded
Client funds are kept separate
Client funds are held in segregated safeguarded accounts, separate from Currencyflow's operational funds.
FCA-authorised payment partner
Payment services for Currencyflow are provided by Sciopay Ltd, an FCA-authorised Payment Institution (FRN 927951).
Secure account and transfer processes
Currencyflow uses security measures including two-factor authentication and transaction monitoring to help protect accounts and payments.
