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Large money transfers made easy

Learn how to send large sums overseas swiftly, securely, and at a great exchange rate. 

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500,000 happy customers

Across the world

Established since 1996

Experts in currency

$12 billion

Transferred each year

Global network

40+ currencies and 120+ countries

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Making large international money transfers.

There are many reasons you might need to transfer a large amount of money overseas. Perhaps you’re looking to buy a property abroad. Maybe you’re purchasing a luxury item, or paying overseas tuition fees.

Whatever the reason, it’s vital that your transfer is safe and secure, and that you get an excellent exchange rate.

So, having an expert on your side to offer specialist support can make all the difference.

One account. A world of possibilities.

With 24/7 customer service on hand if you need help.

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Online account

All the features you’d expect—and more. Sign up in a few minutes and make a transfer today.

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Mobile app

Check live rates and make 24/7 transfers on the go using our mobile app.

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Multi-currency debit card

Spend seamlessly in over 200 countries with our multi-currency card.

Experts in larger transfers.

We help our customers make large transfers for all kinds of reasons, from buying and selling property to purchasing luxury goods.

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Buying property

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Selling property

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Luxury goods

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Foreign investments

Things to think about when sending large sums of money overseas.


Fees and exchange rates 

The better the exchange rate you receive, the more money you’ll get from your transfer. Some banks and providers charge additional fees, so be sure to review all the costs before settling on a rate. 

Security

It’s vital you use an established, trusted company and take steps to protect yourself from fraud. Whoever you choose to work with, make sure they’re registered as a Money Services Business with the Financial Crimes Enforcement Network, a bureau of the U.S. Department of Treasury.

Speed

To make sure your transfer is on time, ask how long it’s likely to take. It’s best to plan ahead and find out if there’s anything you need to do, such as submit documentation, to make sure things go smoothly.

Timing

The currency market is always moving, so finding the right time to transfer can have a big impact on your money. Ask us about the different products and services available to help you time your transfers.

Destination

A transfer to a higher-risk country could mean the transaction takes longer due to more robust safeguarding measures. Additionally, banks in some countries charge receiving fees for large sums so it’s best to check before you transfer.

Documentation

You’ll have to provide a photo ID when opening a new account with a bank or currency provider. With large transfers you’ll also need to provide evidence of the source of funds, such as a bank statement or investment certificate.  

Purpose

The reason for your transfer could impact how and when you choose to send your money. It’s worth getting in touch with us to talk through your needs and the options available so we can find the right solution for you. 

Transfer limits

Unlike some international money transfer providers, we don’t limit how much money you can send or receive. However, your bank may have its own daily transfer limit. If so, talk to your bank and see if they can increase the limit.

Choosing a money transfer provider.

When you’re picking a transfer provider, there are two main options. You can opt for a high-street bank or go with a specialist money transfer company. 

Transferring with your bank 

While many people choose to make large transfers through their banks, this isn’t always the best option.

Banks often work on higher margins than currency specialists, meaning you could get a better deal elsewhere. And they tend to offer a limited range of services, making it harder to time your transfer for when the market is in your favour.

Using a specialist FX provider 

It’s often better to use a money transfer provider for sending large sums, as they may get you a much better deal.

Currency providers tend to offer more competitive exchange rates than banks so you get more from your money. They’re also better placed to guide you through the process, offering a wider range of services and personal support.

See why customers choose us for their large international money transfers.


Working with us.

At Currencies Direct, sending money overseas is our specialty.

Trust and transparency

Established in 1996, we were the first money transfer provider in Europe, and we’ve been helping people and businesses save money on their overseas transfers ever since.

We offer highly competitive exchange rates and we don’t charge transfer fees. There are no hidden costs or charges; once you’ve agreed a rate, that’s what you’ll get. You can easily track transactions through your online account.

We are registered as a Money Services Business with the Financial Crimes Enforcement Network, a bureau of the U.S. Department of Treasury.

Personal account management

The thing that really sets us apart is our personalized approach, which is particularly important for larger transfers.

As a Currencies Direct customer, you’ll have your own account manager. Their role is to understand your needs and use their currency exchange expertise to help you get the best deal.

They’re also on hand to provide guidance and support if you ever have any questions or concerns, and they’re always happy to help.

How it works.

Sending money abroad should be simple. With us it is.

Create an account

Online, via our app or over the phone—it only takes a few minutes.

Agree your rate

We'll help you pick the right time to move your money so you secure a great rate.

Send us the money

Via direct deposit, wire transfer, debit card or your wallet balance.

We’ll do the rest

We'll get the currency where it needs to be swiftly and securely.



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Exchange rates and fees.

We always try to get you the best exchange rate possible. And the larger the transfer, the better the rate we can offer.

How exchange rates and fees work

Banks and foreign exchange providers buy and sell currency at what’s called the ‘interbank rate’. This is a lower exchange rate that isn’t available to individuals or businesses—the bank or provider will always charge a margin on top of the interbank rate.

Banks tend to operate on higher margins than currency providers, so they’ll often charge more in total for a currency transfer.

It’s also important to note that some providers advertise the interbank rate, only to add on a transfer fee at a later stage, so be wary of that.

Our exchange rates

With Currencies Direct, everything is transparent. We charge a small margin on the interbank rate and show you exactly what you’ll get upfront.

When you agree an exchange rate with us, that’s the amount you’ll receive. There are no additional transfer fees or hidden charges.

The more money you transfer in one go, the better the exchange rate you receive as we’re able to take a smaller margin and offer a stronger rate.

Timing your large transfer 

When sending large sums overseas, timing the market right can make all the difference. That’s why we work hard to help you find the best time to transfer.

Fix a rate

Fix the exchange rate in advance and protect your future transfer from negative market movements. 

Limit orders 

Target an exchange rate higher than the current level. Your transfer will trigger automatically when the rate is hit. 

Rate alerts

If you set a rate alert, you’ll receive an instant notification when the market moves to your target rate.  

Buy currency in advance 

Exchange currencies while the rate is strong and hold it in our digital wallets until you need it. 

Updates and insights

Sign up for daily insights from our currency analysts, keeping you up to date with the latest market movements. 

Check live rates

View live exchange rates anytime, anywhere, with the Currencies Direct app. 

Talk to an expert

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Customer stories

Rob and Katherine sold their property in Florida.

“The entire process from end to end was so simple and the team were excellent at securing a great rate to move funds back to the UK.”

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How we keep your funds safe.

Your security is our priority. We have measures in place to keep your funds safe, and we’re here to help you protect yourself from fraud. There are important steps you must take to protect yourself from fraudsters, including checking that your payee is genuine and that their account details are correct.

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Simplify large transfers.

Speak to an expert about your large transfer requirements today.

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Frequently asked questions.

Just fill out our registration form. It only takes a few minutes. Or call us on 1 (855) 207-3503 (9am – 5pm EST Mon – Fri).

Yes. We’d be happy to hear from you. Call us on 1 (855) 207-3503 (9am – 5pm EST Mon – Fri) or email [email protected].

Zero. We don't charge transfer fees. 

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 US 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 date 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.

We’ve been helping individuals and businesses save time and money on their international currency transfers since 1996.

We’re registered as a Money Services Business at federal level with the Financial Crimes Enforcement Network (“FinCEN”) a bureau of the U.S. Department of Treasury. Currencies Direct Inc. is also licensed as a Money Transmitter in many US states. Find out more.

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. 

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.

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 companies or individuals.

At Currencies Direct we buy currency in bulk at wholesale rates and pass the savings to our customers.

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

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.

We buy currency in bulk at wholesale rates not available to companies or individuals. We add a small margin before selling the currency on at rates that are typically more competitive than the banks. 

Yes. Not only do we have offices all over the world, we can certainly help you cash your US dollar check from overseas, reach out to us at [email protected].