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Take control of your exchange rate with an expert by your side

  • Your own, real currency expert
  • Great rates, no transfer fees
  • Tools to fix, target or hold your rate

Join over 600,000+ customers.

£8.5bn a year

Transferred for customers

No transfer fees

Nothing added on top from us

Better rates than the banks

Bank-beating exchange rates

Best Currency Broker

Good Money Guide 2025 and 2026

Level 1 credit rating

Dun & Bradstreet, the highest

FCA authorised

FRN 900669

30 years' experience

Currency specialists since 1996

40+ currencies

To 120+ countries

Your own account manager

A real currency expert

Help with timing

Fix, target or hold your rate

How we compare.

Compare us with services from traditional banks, and with modern currency apps like Wise.

Feature Currencies Direct Apps like Wise Traditional banks
Expert support, from sign-up to transfer Human-first, plus digital tools. Experts with you at every stage, with decades of experience in specialist transfers Digital-first and self-serve, with chat, phone and a large-transfer team General banking support on standard personal accounts
Personal market guidance Expert guidance on when to book Rate alerts to track the market yourself Not typically offered†
Transfer fees No transfer fees* A fee on every transfer Varies by bank, up to £25 per payment
Property transfers Dedicated property specialists, with documents checked before you book General large-transfer support, with documents requested after set-up No dedicated property service†
Fix a rate for later Up to 12 months ahead, with a forward contract Only while your payment arrives, typically up to 48 hours Not typically offered†
Target a rate Limit orders at your chosen rate Auto Conversions, using money you already hold with them Not typically offered†

* Our margin is included in the exchange rate. † On standard personal accounts. Based on publicly available information from Wise and the UK’s largest banks, checked Oct 2026. Check the total cost and the amount that will arrive before you transfer.

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What happens next.

Four steps from asking for a quote to moving your money. You can complete each step online or over the phone with us.

  • Within the hour

    1. We get in touch

    A currency expert calls and emails in working hours. You'll get a live price, how it compares to your bank, and their view on whether now is a good time to transfer.

  • A few minutes

    2. You register

    Online in a couple of minutes, or we'll do it with you on the phone. Registering now means nothing holds up your transfer later.

  • Helping you get a better rate

    3. We set up your transfer

    Move now, fix a rate for later, or set a target rate. By phone or online, we’ll help set up your transfer to get you a great rate for your dates.

  • When you're ready

    4. You book and transfer

    Your rate is fixed the moment you book. Send us the funds and we'll confirm when the money lands.

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Couple at a laptop

Transfer your money at the best rate for you.

  • Great rates, no transfer fees

    Bank-beating rates and nothing added on top from us. Your recipient bank may charge to receive.

  • Personalised service

    Your own dedicated account manager, a currency expert who helps you decide when and how to make your transfer.

  • Better timing can mean a better rate

    Fix a rate for later, target a rate and transfer automatically when it’s reached, or get an alert when the market moves.

  • Trusted for 30 years

    600,000+ customers, over £8.5 billion transferred every year, award-winning year after year, and the highest credit rating from Dun & Bradstreet.

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An older couple relaxing at home while one takes a call

Great rates. Perfect timing.

Many people don't realise there's more than one way to transfer, because most providers only offer one. With us there are several, each giving you more control over when you move and at what rate.

Exchange rates move every second, so timing is everything. Your expert helps you choose the option that fits your plans.

Icon: Fix a rate

Fix a rate

Once you've agreed a rate, lock it in for a transfer up to 12 months ahead.

Icon: Target a rate

Target a rate

Tell us the rate you'd like. Your transfer goes through automatically when that rate is reached.

Icon: Rate alerts

Rate alerts

Get a text or email the moment the market moves to a rate you're happy with.

Icon: Hold your currency

Hold your currency

Buy when the rate is good and keep it in your account until you need it.

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A Currencies Direct currency expert on a headset at their desk

We're here to help.

+44 (0) 20 3400 9528
Monday to Thursday
8am to 6pm
Friday
8am to 5pm
Saturday
9am to 1pm
Sunday
Closed

Call us

Frequently asked questions.

You can register for free online in a couple of minutes, or over the phone with one of our team on +44 (0) 20 7847 9400 or email [email protected].

You may be asked to provide proof of identity and/or proof of address documentation when you register, but we’ll store your data securely and never share it with anyone.

Occasionally we may ask for further details, but we'll let you know as soon as possible if that's the case. 

Yes. We’d be happy to hear from you. Call us on +44 (0) 20 7847 9400 or email [email protected].

Whatever works for you – app, online, or talking to one of our experts over the phone. And you can pay for your transfer by bank transfer or debit card. 

The rate you'll typically see when you do a general search is the ‘interbank rate' – the wholesale rate at which banks, and major financial institutions, buy and sell currency. This isn't available to individuals or most companies.

At Currencies Direct, we buy currency in bulk at wholesale prices and pass the savings on to you as customers via competitive exchange rates. The exchange rate we quote to customers consists of a base or reference rate plus a variable margin. We keep the margin – it’s our return for doing the exchange.

The exchange rate changes every few seconds, but once we agree a rate with you that's the rate you'll get. 

We buy currency in bulk at wholesale rates not available to companies or individuals. We add a variable margin, payable by the customer, before selling the currency on at rates that are typically more competitive than the banks. We keep the margin – it’s our return for doing the exchange.

For most transfers there are no fees, however there may be fees applied when using our Batchpay service.

You need an account to use our services. It’s free and only takes a few minutes to set up. Log in to check live exchange rates, set rate alerts, get regular market updates and support from currency experts.

You don’t have to use us to transfer money, but if you ever want to we’ll be ready to help – 24/7.

There are regulations in the UK that help protect your money and keep people, and financial businesses safe from fraud. As part of these requirements, you may be asked to provide documents that prove your identity and/or your address. We store your data securely and we’ll never share it with anyone.

Occasionally we may ask for further details, but we’ll let you know as soon as possible if that’s the case.

Yes, we’ll send you a confirmation email as soon as the currency has been sent.

No. Our contracts are legally binding. Once you’ve confirmed your transfer (by phone, in branch, online or via our app) it can no longer be cancelled.

Take a look at our terms and conditions for more information.

You’ll agree the exchange rate in the app, online, or with your account manager. You’ll be asked to confirm if you’re happy to go ahead with that rate. Once you’ve committed to that rate it is fixed for you, no matter how much the market changes.

Exchange rates fluctuate almost constantly and are affected by many different factors, including the state of the relevant country’s economy (for example how much Government debt it has and the country’s growth forecasts).

Our rates are typically 3-4% better than traditional banks, so even with any receiving bank fees, you'll likely save money compared to using your bank directly.

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