Transfer Money from the UK to the US
Need to send money from the UK to the US? We offer competitive rates, no transfer fees, and help when you need it, perfect if you're moving a larger amount.
- Fast, secure transfers from the UK to the US
- Competitive exchange rates on GBP to USD
- Clear, transparent pricing
- Expert support whenever you need it
- Funds safeguarded in client accounts
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.
By Freddie Smith, Founder & CEO, Currencyflow · Updated 15 September 2026
Sending money to the US from the UK? Here's what to know
Whether you're supporting family, paying for university, buying a property, or moving savings abroad, sending money from the UK to the US should be easy, but it often isn't.
Banks in the UK tend to add wide exchange rate margins, charge international fees, and process large payments slowly, especially when USD transfers trigger compliance checks on either side.
At Currencyflow, we help individuals and businesses transfer money to the US smoothly. You get transparent GBP to USD rates, no payment transfer fees, and one-on-one support, especially when timing and documentation matter.
Why people transfer money from the UK to the US
Moving savings or repatriating funds
Buying property or paying a mortgage
Supporting family
Paying tuition and living costs
Why send money to the US with Currencyflow
| Feature | Currencyflow | High Street Banks |
|---|---|---|
| Exchange Rate | Low-margin, personalised | Often 3-5% markup |
| Transfer Fees | None | Yes, plus possible SWIFT fees |
| Speed | Same-day or next working day | 2-5 working days |
| Support | Phone, email, live chat, WhatsApp | Call centres or in-branch |
| Rate Lock | Yes | Rarely offered |
| Account Setup | Fast and guided by a specialist | Paperwork-heavy, slower |
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Currencyflow indicative GBP to USD rate
1 GBP = 1.3433 USD
As of , the Currencyflow indicative GBP to USD rate is 1 GBP = 1.3433 USD, based on a £50,000 transfer with a 0.30% margin.
Your actual exchange rate may vary depending on the amount you send because our margin varies by transfer size. See our rates, margins and fees →
Currencyflow rates are indicative and confirmed when you book. No payment transfer fees.
Get a personalised GBP to USD quote →Currencyflow GBP to USD rates by transfer amount
Currencyflow exchange rates vary according to the amount you send.
| You send (GBP) | You receive (USD) | Currencyflow rate | Margin | Payment transfer fee |
|---|---|---|---|---|
| £5,000 | $6,710 | 1 GBP = 1.3420 USD | 0.40% | None |
| £10,000 | $13,420 | 1 GBP = 1.3420 USD | 0.40% | None |
| £20,000 | $26,840 | 1 GBP = 1.3420 USD | 0.40% | None |
| £50,000 | $67,167 | 1 GBP = 1.3433 USD | 0.30% | None |
| £75,000 | $100,771 | 1 GBP = 1.3436 USD | 0.28% | None |
| £100,000 | $134,361 | 1 GBP = 1.3436 USD | 0.28% | None |
| £200,000 | $268,803 | 1 GBP = 1.3440 USD | 0.25% | None |
| £300,000 | $403,205 | 1 GBP = 1.3440 USD | 0.25% | None |
| £500,000 | $672,008 | 1 GBP = 1.3440 USD | 0.25% | None |
| £1,000,000 | $1,344,016 | 1 GBP = 1.3440 USD | 0.25% | None |
| £2,000,000 | $2,688,032 | 1 GBP = 1.3440 USD | 0.25% | None |
| £5,000,000 | $6,720,081 | 1 GBP = 1.3440 USD | 0.25% | None |
Currencyflow rates are indicative, updated hourly, and confirmed when you book. No payment transfer fees.
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How to transfer money to the US from the UK
Get a personalised quote
Open your account
Fund your transfer
We send your dollars to the US
Understanding the GBP to USD exchange rate
Why the rate matters
Bank vs real market rates
Rates move every day
How long does a transfer from the UK to the US take?
Most transfers from the UK to the US arrive within 1-2 working days, depending on:
- When we receive your GBP
- If all recipient details are correct
- Whether compliance checks are triggered
- Bank processing times in the UK and US
- Weekends and US banking holidays
We work with you to avoid delays, especially for high-value or time-sensitive transfers.
What you'll need to send money from the UK to the US
To transfer GBP to USD, you'll need:
- Valid ID (passport or UK driving licence)
- Proof of address (utility bill or bank statement)
- Recipient's full name and US bank details (account + routing number)
- A short reason for the transfer (e.g. tuition, savings, gift)
- For large transfers (typically £10,000+), you may also be asked for:
- Source of funds documents (e.g. payslip, property sale, savings history)
- Supporting paperwork for gifts or large payments (especially if going into a US business account)
We'll let you know exactly what's required in advance.
Legal and tax notes for UK to US transfers
- There's no UK tax on sending your own money abroad
- Large incoming transfers to US accounts may trigger extra checks (especially if above $10,000)
- Gifts above the US IRS annual threshold ($18,000) may require the recipient to report the payment via IRS Form 3520
- For real estate or investment payments, documentation should match the purpose (e.g. sale agreement, invoice)
- The UK and US have a double taxation treaty so income like pensions usually isn't taxed twice
- If you're sending a large amount, it's smart to speak to a tax advisor (especially if the recipient is a US resident)
Why trust Currencyflow
Your money is protected
Funds are held in safeguarded accounts via FCA-authorised payment institution partners, so they're always kept separate from business operations.
Decades of experience
Our leadership team has over 30 years in international payments. We know how to handle large transfers and market timing.
Secure by design
We use two-factor authentication and real-time monitoring to protect every account and transfer from fraud.
Frequently asked questions
Written by
Freddie SmithFounder & CEO, Currencyflow
Freddie Smith is the Founder and CEO of Currencyflow, an international foreign exchange and payments specialist focused on high-value transfers for individuals and businesses worldwide. With over 12 years of commercial experience across financial services and digital media, including several years working with financial services comparison platforms, Freddie has spent his career at the intersection of partnerships, growth strategy, and money movement. He founded Currencyflow to bring transparent, fixed-margin pricing and personal relationship management to clients making significant international transfers.
Last updated 15 September 2026
