Send money from the UK to the US
Whether you're relocating to the US, buying property, paying education costs or supporting family, you can see the GBP to USD exchange rate available to you upfront, with transparent pricing and personal support.
- See your GBP to USD exchange rate instantly
- Transparent 0.25%-0.40% margin, depending on transfer size
- No Currencyflow payment transfer fees
- Personal support, including direct access to our founder
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).
By Freddie Smith, Founder & CEO, Currencyflow · Updated 1 October 2026
Sending money from the UK to the US? Here's what to know
Many UK to US transfers are for costs set in dollars, such as property, education or relocation expenses. If there's a fixed USD amount and deadline, the GBP to USD exchange rate can change the sterling cost between planning the payment and making it.
Knowing the amount and date first makes it easier to decide when you want to exchange. Currencyflow lets you see the exchange rate available upfront, so you can review the USD amount before you book.
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 = 1.3174 USD
As of , the Currencyflow indicative GBP to USD rate is 1 GBP = 1.3174 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 | $6,581 | 1 GBP = 1.3161 USD | 0.40% | None |
| £10,000 | $13,161 | 1 GBP = 1.3161 USD | 0.40% | None |
| £20,000 | $26,322 | 1 GBP = 1.3161 USD | 0.40% | None |
| £50,000 | $65,871 | 1 GBP = 1.3174 USD | 0.30% | None |
| £75,000 | $98,827 | 1 GBP = 1.3177 USD | 0.28% | None |
| £100,000 | $131,769 | 1 GBP = 1.3177 USD | 0.28% | None |
| £200,000 | $263,617 | 1 GBP = 1.3181 USD | 0.25% | None |
| £300,000 | $395,426 | 1 GBP = 1.3181 USD | 0.25% | None |
| £500,000 | $659,044 | 1 GBP = 1.3181 USD | 0.25% | None |
| £1,000,000 | $1,318,087 | 1 GBP = 1.3181 USD | 0.25% | None |
| £2,000,000 | $2,636,174 | 1 GBP = 1.3181 USD | 0.25% | None |
| £5,000,000 | $6,590,436 | 1 GBP = 1.3181 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
See your exchange rate
Open your account
Send your funds
We make your international payment
Planning your GBP to USD transfer
Plan around a fixed US-dollar cost
Fix a rate for a future transfer
Set a target rate if your timing is flexible
See GBP to USD rates and history
Sending pounds to a US bank account
If you’re sending money from the UK to the United States, the recipient may hold an account with a major US bank such as JPMorgan Chase, Bank of America, Wells Fargo or Citibank.
Once you’ve agreed your GBP to USD exchange rate, you fund your Currencyflow transfer using the bank details supplied for your payment. We convert the GBP into US dollars at the agreed rate and send the USD to the account you’ve provided.
US accounts do not use IBANs. Recipient details will typically include a nine-digit routing number (also called an ABA number) and an account number, and you may also need to confirm whether the account is checking or savings. A SWIFT/BIC may be required depending on the payment route.
Customers use this route for relocation, education costs, business payments, investments and supporting family in the US.
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 funds are safeguarded
Client funds are held in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951), separate from Currencyflow's operational funds.
Personal support when you want it
Speak with us by phone, WhatsApp or email, including direct access to our founder, Freddie, when you want to talk through your transfer.
Secure account and payment processes
Currencyflow uses security measures including two-factor authentication and transaction monitoring to help protect accounts and payments.
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 1 October 2026
