How much does a large international transfer cost 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.

Can I see my 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.

How long does a large international 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.

What information might I need for a large transfer?

We'll guide you through verification and tell you exactly what we need. For larger transfers, we may ask for information or documents showing the source of the funds and the purpose of the payment, as well as the recipient's bank details.

Can I fix an exchange rate for a future large transfer?

Yes. A forward contract lets you fix an available exchange rate for an agreed future payment. This can be useful if you know you'll need to make a large transfer weeks or months in advance.

Can I set a target exchange rate for a large transfer?

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

Large international money transfers with transparent pricing

Q: Is there an upper limit on how much I can transfer?

No. Currencyflow supports large international transfers without an upper transfer limit. Larger payments may require additional checks or supporting documents before they can be processed.

Q: Are my funds safeguarded with Currencyflow?

Yes. Client funds are held separately from Currencyflow's operational funds in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951).

See your exchange rate upfront, understand the margin you're paying, and get personal support when you're moving a significant amount of money internationally.

See your exchange rate instantly
Transparent 0.25%-0.40% margin, depending on transfer size
No upper transfer limit
Global reach in 40+ currencies

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 24 September 2026

A clearer way to make a large international transfer

Moving a significant amount of money internationally can involve deadlines, supporting documents and exchange-rate decisions that have a meaningful effect on the amount you send or receive.

Currencyflow shows you the exchange rate available to you upfront, with a transparent 0.25%-0.40% margin depending on transfer size and no Currencyflow payment transfer fees.

If your payment is coming up in the future, you can use a forward contract to fix an available exchange rate for an agreed date. If your timing is more flexible, you can set a target rate and wait to see if the market reaches it.

You'll also have someone who knows your transfer and can help you through the process. You can reach us by phone, WhatsApp or email whenever you want to talk things through.

What you get with Currencyflow for a large international transfer

Two people discussing financial plans at a table

Transparent pricing

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

Personal support for large transfers

Deal with someone who knows your transfer and can help you through the process. Get in touch by phone, WhatsApp or email when you need support.

No upper transfer limit

Currencyflow supports large international transfers without an upper transfer limit. Larger payments may require additional checks before they can be processed.

Fast international payments

Same-day transfers are possible for major currencies once we've received your funds. Other payments may take 1-2 working days depending on the currency, banking cut-off times and receiving bank.

Forward contracts and target rate orders

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.

Safeguarded client funds

Client funds are held separately from Currencyflow's operational funds in segregated safeguarded accounts through our FCA-authorised payment institution partner, Sciopay Ltd (FRN 927951).

What to consider before making a large international transfer

Exchange-rate movements

On a large transfer, relatively small exchange-rate movements can materially affect the amount you send or receive. You can exchange at the available rate, use a forward contract for a future payment or set a target rate if your timing is flexible.

Transfer timing

Think about when the funds need to arrive and allow for banking cut-off times, any checks required and the receiving bank. Same-day transfers are possible for major currencies once we've received your funds.

Source of funds and documentation

Larger transfers can require additional information about where the money has come from and what the transfer is for. We'll tell you what supporting documents we need for your payment.

Tax and legal considerations

A large international payment may have tax or legal implications depending on why you're moving the money and the countries involved. Currencyflow doesn't provide tax or legal advice, so you may want to speak to an appropriate professional.

Recipient and banking details

Some destinations or payment types require specific recipient or banking information. We'll let you know what details are needed before the transfer is made.

Transfer updates

We'll keep you informed as your transfer progresses, including when we've received your funds and when your international payment has been sent.

How large international transfers work with Currencyflow

See your exchange rate

Enter the currencies and amount you're transferring and see the Currencyflow exchange rate available to you.

Open your account

If you're happy with the rate, we'll guide you through account setup and verification and let you know what information or documents we need.

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 funds at the agreed exchange rate and send them to your chosen recipient, either straight away or on the date you've arranged.

Learn more about how it works

When people use our large transfer service

Buying or selling property overseas

Make deposits, staged payments and completion transfers for an overseas property purchase, or bring sale proceeds back home.

Buying property abroad →

Legal will documents representing inheritance transfer across borders

Receiving an inheritance

Move an overseas inheritance between currencies, with support around the transfer process and any information we need to process the payment.

Receiving an inheritance →

Investment chart representing high-value international investment transfers

Moving investment proceeds

Transfer proceeds from overseas shares, property or other investments and choose whether to exchange at the available rate, fix a future rate or set a target.

Moving overseas investments →

Small business owner representing income repatriation

Repatriating income or savings

Move larger balances or accumulated savings from abroad into your home currency, either as a one-off transfer or as part of a wider repatriation.

Repatriating income to the UK →

Some of these are bigger life moves. Our guides to retiring abroad and emigrating for work cover the currency side of each.

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

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 24 September 2026

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