Send money from the US to the UK
If you're relocating to the UK, buying property, moving savings or supporting family, you can see the USD to GBP exchange rate available for your transfer upfront and get personal support when you want to talk it through.
- See your USD to GBP 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 US to the UK? Here's what to know
Moving money from the US to the UK can involve property, relocation or converting savings into sterling. If you know the GBP amount you need, changes in USD to GBP can affect how many dollars you'll need to exchange before the payment is made.
For a larger transfer, it helps to decide whether the payment date or the amount received in sterling is the main priority. Currencyflow shows you your exchange rate upfront so you can assess the transfer before booking.
Why people transfer money from the US to the UK
Repatriating savings or income
Supporting family
Paying UK tuition or rent
Buying property or investing in the UK
Why send money to the UK 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 USD to GBP rate
1 USD = 0.7527 GBP
As of , the Currencyflow indicative USD to GBP rate is 1 USD = 0.7527 GBP, based on a $70,000 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 USD to GBP quote →Currencyflow USD to GBP rates by transfer amount
Currencyflow exchange rates vary according to the amount you send.
| You send (USD) | You receive (GBP) | Currencyflow rate | Margin | Payment transfer fee |
|---|---|---|---|---|
| $10,000 | £7,520 | 1 USD = 0.7520 GBP | 0.40% | None |
| $20,000 | £15,039 | 1 USD = 0.7520 GBP | 0.40% | None |
| $50,000 | £37,636 | 1 USD = 0.7527 GBP | 0.30% | None |
| $100,000 | £75,288 | 1 USD = 0.7529 GBP | 0.28% | None |
| $200,000 | £150,620 | 1 USD = 0.7531 GBP | 0.25% | None |
| $500,000 | £376,551 | 1 USD = 0.7531 GBP | 0.25% | None |
| $1,000,000 | £753,101 | 1 USD = 0.7531 GBP | 0.25% | None |
| $2,000,000 | £1,506,203 | 1 USD = 0.7531 GBP | 0.25% | None |
| $5,000,000 | £3,765,507 | 1 USD = 0.7531 GBP | 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 UK from the US
See your exchange rate
Open your account
Send your funds
We make your international payment
Planning your USD to GBP transfer
Think about the sterling amount you need
Fix a rate for a future transfer
Set a target rate if your timing is flexible
See USD to GBP rates and history
Sending USD from a US bank to the UK
If your funds are held with a major US bank such as JPMorgan Chase, Bank of America, Wells Fargo or Citibank, you can send your dollars to Currencyflow using the funding details provided for your transfer.
Once you’ve agreed your USD to GBP exchange rate, we convert the US dollars into British pounds at the agreed rate and send the GBP to the UK bank account you’ve provided.
US funding details may involve an account and routing number, while a UK recipient will typically provide a sort code and account number. This route is commonly used for relocation, investment proceeds, inheritance, moving savings or supporting family in the UK.
How long does it take to transfer money from the USA to the UK?
Most transfers from the US arrive in the UK within 1-2 working days. It depends on:
- How quickly your US bank processes the outgoing payment
- Whether we've received everything we need from you
- If the transfer triggers any compliance checks
- What time of day the funds arrive (we work to UK banking hours)
Currencyflow is built to move faster than most banks. We work ahead of time to avoid delays, especially on larger transfers.
What you'll need to send money from the US to the UK
To transfer money from the US to the UK, you'll need:
- Valid photo ID (e.g. passport or US driver's license)
- Proof of address (utility bill or bank statement)
- Recipient's full name and UK bank details (sort code and account number)
- Reason for the transfer (e.g. property, savings, family support)
- For larger transfers of typically $10,000+, you may also be asked for:
- A source-of-funds document (e.g. payslip, savings, sale proceeds)
- IRS Form 709 (only if you're sending a gift over the US $18,000 reporting threshold)
We'll walk you through what's needed based on your situation.
Legal and tax notes for US to UK transfers
- There's no tax on moving personal savings abroad, but large gifts may trigger a reporting requirement.
- If you're gifting over $18,000 (per person, per year), you may need to file IRS Form 709. This doesn't mean tax is due, just that it's declared.
- Your US bank may ask for paperwork if the amount is high or if it's your first time sending money abroad.
- UK banks can request source-of-funds evidence for incoming transfers, especially over £10,000.
- The US and UK have a double taxation agreement, so income like pensions isn't taxed twice.
- If you're sending a large sum, it's worth speaking to a tax advisor on either side to be safe.
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
