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Home The transfer process

The transfer process

Moving money from one place to another is simple, but we work hard to make it fast, secure and good-value. Let us explain how it works, in a bit more detail.

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The workings of a money transfer

When you click, swipe or give us the all clear over the phone, the Currencies Direct cogs immediately start turning to ensure your transfer reaches your chosen recipient.

Here’s how the cogs fit together…

1. The expert factor

Before anything starts, you’ll have the opportunity to speak to our experts over the phone when agreeing your exchange rate. They’re a key part of our process and between them have hundreds of years’ of experience.

Our currency experts are here to understand your requirements – for example what currency you’re after, how much you’re sending and the number of transfers you’re planning on making – and then tailor a solution that suits your needs using their in-depth knowledge and insight.

If you’re transferring online or with our App, we’ll assume you’re happy to do things yourself and you can skip straight to exchange rates!

2. It’s all about timing

Exchange rates move at a rapid pace due to political and economic developments, often with swings of 10% in a matter of days.

So, to ensure you secure the best possible rate by transferring at the right time, our experts (who already understand your requirements) will give you market guidance and insight through friendly consultation in person or over the phone, offering simplified facts for you to base your decision on.

If you’re online or on our App, we don’t want you to miss out from this market insight. That’s why we created a rate alert tool to let you set your own exchange rate targets and automate this expert factor, and provide daily news on market movements.

3. Exchange rates

We talk about our bank-beating exchange rates a lot because they’re exactly that – better than the banks by a mile, making your money stretch further.

We beat the banks because currency is all we focus on. Foreign exchange is a small part of what the banks do for you, so they haven’t got the time, people power, or incentive to get you the best deal.

4. Make your payment

We’ll take payment by debit card (we accept GBP, EUR and USD debit cards), or if you’d prefer you can send payment funds from your bank account to ours.

Paying by debit card is much quicker and less hassle for you – you can log in online, or call us, to make a debit card payment straight away.

5. First-class delivery

Once you’ve agreed your rate and made your payment to us, our payments team kick-in to ensure that the currency is out of our door and on its way immediately.

We’ll notify you by email as soon as we’ve sent your money, so that you’ll know when to check your overseas account to see your new currency glistening in its bank-beating glory.

Most transfers for “major” currencies like euros or US dollars, will go through on the same day, if you make your transfer before 1.30pm GMT (it’ll be next-day if it’s after 1.30pm).

Get a free quote

Tell us what you’d like to transfer, and we’ll give you the best exchange rate possible.


We’re processing your request, and one of our expert teams will be in touch in the next fifteen minutes with your personalised quote (during our opening hours, of course!).

If you require assistance straight away, please call your local office.

Transfer today with a free, no obligation Currencies Direct account.
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