How do I open a Currencyflow account?

We’ll guide you through account setup and verification. You’ll usually need a valid form of ID and proof of address, and depending on your transfer we may ask for additional information or supporting documents. Many accounts can be ready within one working day once we’ve received everything we need.

How much does it cost to send money internationally with Currencyflow?

Currencyflow applies a transparent 0.25%-0.40% margin to the mid-market exchange rate, depending on the amount you transfer. The margin is included in the exchange rate we show you, and we don’t charge Currencyflow payment transfer fees.

How long does an international money transfer take?

Same-day transfers are possible for major currencies once we’ve received your funds. Other international transfers may take 1-2 working days. Timing can vary depending on the currencies involved, banking cut-off times, any checks required and the receiving bank.

Can I see my Currencyflow exchange rate before opening an account?

Yes. Enter the currencies and amount you’re transferring to see the Currencyflow exchange rate available to you before you decide whether to proceed.

Can I fix an exchange rate for a future transfer?

Yes. A forward contract can let you fix an available exchange rate for an agreed future transfer. This can be useful when you know a payment is coming up and want more certainty over the exchange rate before it’s due.

Can I set a target exchange rate?

Yes. A target rate order lets you choose a target exchange rate and wait to see if the market reaches it. If the target rate becomes available while the order is active, your exchange can be booked automatically. There’s no guarantee the target rate will be reached.

How Currencyflow works

Q: Are my funds safeguarded with Currencyflow?

Yes. 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).

Q: Can I speak to someone about my transfer?

Yes. You can contact us by phone, WhatsApp or email, including direct access to our founder, Freddie, when you want to talk through your transfer.

See your exchange rate upfront, understand the margin you're paying, and get personal support when you want it. Currencyflow makes larger international transfers clear from your first quote through to the final payment.

See your 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

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).

Send, save... & relax.

Transparent pricing, always shown upfront.

By Freddie Smith, Founder & CEO, Currencyflow · Updated 23 September 2026

A more personal way to make an international transfer

Moving a significant amount of money internationally 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.

You'll see the exchange rate available to you before you decide, with a transparent 0.25%-0.40% margin depending on transfer size and no Currencyflow payment transfer fees.

You'll deal with someone who knows your transfer rather than having to explain your situation again each time. You can speak with us by phone, WhatsApp or email, including direct access to our founder, Freddie. We'll talk you through what to expect and keep you updated as your transfer progresses.

How to make an international money transfer with Currencyflow

See your exchange rate

Enter the currencies and amount you're transferring and see the Currencyflow exchange rate available to you on screen. You'll be able to see the rate and understand the margin you're paying before you decide whether to proceed.

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. Most accounts are ready within one working day once we've received everything we need.

Send your funds

Use the payment instructions we provide to fund your transfer. We'll let you know when the money arrives and will be available if you need help along the way.

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. We'll keep you updated and confirm when the payment has been sent.

What you get with Currencyflow

Currencyflow combines transparent pricing, personal support and practical tools to help you plan and complete larger international transfers.

Person writing notes beside a laptop during a meeting

Personal support when you want it

You’ll deal with someone who knows your transfer and keeps you updated along the way. You can contact us by phone, WhatsApp or email, including direct access to our founder, Freddie.

Transparent pricing

You’ll see the exchange rate available to you before you decide. Currencyflow applies a transparent 0.25%-0.40% margin, depending on transfer size, and we don’t charge Currencyflow payment transfer fees. See our rates, margins and fees.

Flexible ways to plan your exchange

Make a one-off or regular transfer, fix an available exchange rate for an agreed future payment with a forward contract, or set a target rate and wait to see if the market reaches it.

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.

How long does an international transfer take?

We know timing matters when you're moving money internationally. Here's what you can expect:

Account setup: many accounts can be ready within one working day once we've received everything we need
Transfer times: same-day transfers are possible for major currencies once we've received your funds. Other international transfers may take 1-2 working days
Possible delays: banking cut-off times, any checks required or the receiving bank can sometimes affect timing. If that happens, we'll keep you informed along the way

What you need to get started

Setting up your Currencyflow account is straightforward. You'll usually need:

a valid form of ID, such as a passport or driving licence
proof of address, such as a utility bill or bank statement
the recipient's bank account details
the amount you'd like to transfer and the currencies involved

Depending on the size, source and purpose of your transfer, we may also ask for additional information or supporting documents. We'll tell you exactly what's needed for your transfer.

Frequently asked questions

Written by

Freddie Smith

Founder & 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 23 September 2026

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