Specialist international money transfers

Cambridge Currencies is a UK specialist currency broker handling international money transfers in 50+ currencies to 190+ countries. Founded in 2023, we work exclusively through FCA-authorised payment partners, with every trade handled by phone by a dedicated specialist.

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      Whether you’re moving £5,000 or £5 million

      Whether you’re making a single high-value transfer, sending money on a regular schedule, or running international payments for a UK business, we tailor the right service to your needs.

      Luxury villa with infinity pool overlooking Mediterranean coastline

      Large transfers

      Property purchases, investments, or significant one-off payments. Tailored support from a dedicated currency specialist, with forward contracts available.

      Large transfer support →
      Couple at home reviewing pension and savings on laptop

      Regular transfers

      Pension payments, salary transfers, school fees, or recurring overseas costs. Set up scheduled transfers and rate alerts.

      Regular transfer options →
      UK business team in modern office reviewing international payment strategy

      Business transfers

      Pay overseas suppliers, receive foreign currency, manage cashflow risk. Multi-currency invoice payments and forward contracts for UK businesses.

      Business FX solutions →

      How It Works

      Four simple steps for international transfers

      Clear, transparent process for property purchases, business payments, and high-value international currency transfers — with expert support at every stage.

      Request a quote

      Speak to a specialist for a live, no-obligation rate based on your currency pair and amount.

      Register securely

      Quick online registration with regulated compliance checks via our FCA-authorised partners.

      Lock your rate

      Fix your rate with a spot trade or forward contract — over the phone with your dealer.

      Funds delivered

      Money arrives via our safeguarded payment network — usually same or next business day.

      Cambridge Currencies specialist on the phone supporting a client with an international transfer

      Specialist service. Personal touch.

      Regulated by partnership

      Cambridge Currencies is a specialist UK currency broker founded in 2023, working with FCA-authorised payment partners that facilitate billions in international payments globally.

      190 countries, 50+ currencies

      We handle international payments to over 190 countries in 50+ currencies, processed through the regulated infrastructure of established global payment networks.

      A dealer, not an app

      While our reach is global, we believe in personal expertise. Every trade is handled over the phone by a dedicated specialist — not a call centre or automated platform. Safeguarding means client funds are held at a tier-one credit institution by our FCA-authorised partners and protected in the event of insolvency. How we protect your money.

      How we can help you

      We’ve helped people with everything from buying property abroad to emigration. Whatever your situation, we tailor the right currency solution.

      Currency Tools

      Tools to help you stay in control

      Plan ahead, target your ideal rate, or act fast when the market moves. We offer the full range of currency tools to help you transfer at the right time. Use our currency converter for live mid-market rates, or browse our full currencies list.

      Spot contracts

      Make an immediate transfer at today’s exchange rate. The most direct option when you’re ready to send funds straight away.

      Forward contracts

      Fix today’s exchange rate for a transfer up to 12 months in advance. Useful when you have a future payment and want to remove rate risk.

      Limit orders

      Target a higher exchange rate than the current market. Your transfer triggers automatically the moment your target rate is reached.

      Rate alerts

      Set a target rate and we’ll send you a text or email the moment the market reaches it. Track without committing to a transfer.

      Regular transfers

      Automate recurring payments — pensions, salaries, school fees, mortgage payments — on a schedule that suits you.

      Stop-loss orders

      Protect against negative market movement. Your transfer triggers if the rate drops to a defined level, limiting downside on time-sensitive payments.

      All currency tools are accessed through your dedicated specialist by phone. Read more about forward contracts or request a quote to discuss the right tool for your transfer.

      Currency Broker vs Bank

      How a specialist currency broker compares to a bank

      UK high-street banks typically apply margins of around 2–4% above the mid-market exchange rate on international transfers, with per-transfer fees of approximately £10–£40. Specialist currency brokers like Cambridge Currencies typically work to tighter margins, which can mean meaningful savings on larger transfers. Always compare a live quote against your bank before you commit — savings vary by currency pair, amount, and timing.

      What you get
      Cambridge Currencies
      High-street bank
      Exchange rate margin
      More competitive than typical bank rates
      Typically 2–4% from mid-market
      Transfer fees
      ✓ No transfer fees
      £10–£40 per transfer typical
      Forward contracts
      ✓ Fix rates up to 12 months
      Limited availability
      Dedicated specialist
      ✓ Yes, on every trade
      Call centre / online only
      Speed of transfer
      Same / next business day
      2–5 business days
      Funds safeguarded
      ✓ Via FCA-authorised partners
      ✓ FSCS protected

      Read the full guide on the best way to transfer large amounts internationally.

      Bank margin and fee figures reflect commonly observed industry ranges; exact pricing varies by bank, account type, and transfer size. See the FCA’s Consumer Duty review of international payment pricing transparency.

      Our Approach

      Built for the trades that actually matter.

      A different model from the apps and the high-street banks — designed for transfers where rate, timing, and structure all have to be right.

      01

      Property purchases

      From exchange of contracts to final completion tranches. We help buyers fix EUR, USD, AED or AUD rates ahead of completion using forward contracts, and settle balances directly with overseas lawyers.

      02

      UK businesses paying overseas

      Dollar invoice runs, EUR supplier payments, AUD payroll. Rolling forward programmes to protect margin against FX moves, plus same-day execution when timing matters.

      03

      Private clients & expats

      Pension transfers, emigration, repatriating sale proceeds, school fees abroad. Every trade handled by phone with a named specialist who already knows your situation.

      Many international transfers happen at the wrong moment, through the wrong channel, at a worse rate than the client realises. We help close that gap.

      About Cambridge Currencies
      Whitewashed Algarve coastal property in Portugal — overseas property purchase example

      How we help · Property purchase example

      Buying property in the Algarve

      For UK buyers purchasing in Portugal, the gap between exchange of contracts and completion can mean meaningful exchange rate risk on the EUR balance. Our specialists typically guide property buyers through fixing the rate with a forward contract at exchange of contracts, then settling the EUR balance directly with the lawyer at completion.

      Having one specialist on the phone throughout — from initial deposit through to final tranche — is what clients consistently tell us makes the difference.

      See how we help property buyers →

      Sending Money to the UK

      Popular international transfer routes to the UK

      Country-specific guidance for expats, property sellers, and businesses sending money to the UK from overseas.

      From the UAE to the UKExpat salaries & sale proceeds From Saudi Arabia to the UKExpat earnings & family transfers From the USA to the UKProperty & business proceeds From Spain to the UKProperty sale repatriation From France to the UKProperty & pension transfers From Italy to the UKProperty sale repatriation From Germany to the UKBusiness & property proceeds From Greece to the UKProperty & sale proceeds

      Sending money from another country? View all 40+ international transfer routes to the UK.

      Market Insights

      Currency forecasts & market analysis

      Stay informed with our latest currency forecasts, exchange rate analysis, and market commentary — written by our specialist FX team.

      All insights →
      USD Forecast

      Dollar Outlook: GBP/USD Direction and Fed Policy

      Fed policy direction, US economic data, and what it means for UK businesses paying USD invoices — plus the key GBP/USD levels we’re watching.

      Updated weekly Read forecast →
      GBP/EUR Forecast

      Pound to Euro Outlook: BoE, ECB and GBP/EUR Levels

      Bank of England and ECB rate paths, the UK–EU policy gap, and the GBP/EUR range we’re watching for property buyers, expats and businesses.

      Updated weekly Read forecast →
      Weekly Update

      This Week’s Currency Forecast: Key Drivers & Rates

      What’s moving GBP/USD, GBP/EUR and major pairs this week — plus the economic calendar to watch.

      Every Monday Read update →

      Looking for a specific currency pair? See live rates and outlooks for USD to AUD, GBP to CAD, or use our currency converter.

      Reviews

      Trusted by clients worldwide

      Verified Google reviews from individuals and UK businesses we’ve helped with international money transfers.

      FAQs

      Frequently asked questions

      Common questions about international money transfers, exchange rates, and how Cambridge Currencies operates.

      How is Cambridge Currencies regulated?

      Cambridge Currencies works exclusively with FCA-authorised payment partners — Currencycloud (FRN 900199) and ScioPay (FRN 927951). All transfers are processed through their regulated infrastructure, with client funds safeguarded under UK regulations.

      Read more about how we protect your money.

      How does Cambridge Currencies compare to a high-street bank?

      UK high-street banks typically apply margins of around 2–4% above the mid-market exchange rate on international transfers, plus per-transfer fees of approximately £10–£40. Specialist currency brokers like Cambridge Currencies typically work to tighter margins, with no transfer fees, which can mean meaningful savings on larger transfers. Margins vary depending on currency pair and transfer size.

      Always compare a live quote against your bank before you commit — savings vary by currency pair, amount, and timing. See our full guide to transferring large amounts internationally.

      How long do international transfers take?

      Major currency pair transfers (GBP/USD, GBP/EUR, GBP/AUD) typically settle the same or next business day. Exotic currency transfers may take 2–3 business days. Speed depends on the recipient’s bank, the currency, and the time of day the trade is placed. Find out more about SWIFT payments and timing.

      What is a forward contract and when should I use one?

      A forward contract lets you fix today’s exchange rate for a transfer up to 12 months in the future. It removes the risk of exchange rate movements before your payment date.

      Forward contracts are particularly useful for property purchases (between exchange and completion), known business invoices, and scheduled overseas costs. Read more about forward contracts.

      Is there a minimum or maximum transfer amount?

      There is no fixed maximum on transfer size. Our specialist broker service is best suited to transfers of £5,000 or more, where the difference in exchange rate margin makes a meaningful difference. We regularly handle transfers from £5,000 to £5 million and above through our large transfer service.

      How do I get an exchange rate quote?

      You can request a free, no-obligation quote by submitting your details through the form on this page or by calling a specialist directly. A dedicated currency specialist will provide a live rate based on your currency pair, transfer amount, and timing requirements.

      All transfers are completed by phone with a dedicated specialist — there is no online transaction platform.

      Do I need to register an account before getting a quote?

      No — you can request a quote first to see live rates and compare against your bank. Registration with FCA-compliant identity checks is only required before you place a trade, not before you get a quote.

      Can I transfer money for buying property abroad?

      Yes. We support property buyers purchasing in Spain, Portugal, France, Italy, the US, Australia, and over 190 countries worldwide. Forward contracts are particularly useful between exchange of contracts and completion to remove exchange rate risk.

      See our property currency guide for more.

      See how Cambridge Currencies compares

      Compare our exchange rate against your bank before you commit. Request a free, no-obligation quote — no hidden fees, no pressure.

      Or call us directly: +44 (0)1223 608232

      Request a quote → Contact a specialist

      All transfers completed by phone with a dedicated specialist · FCA-authorised payment partners (Currencycloud FRN 900199, ScioPay FRN 927951) · Funds safeguarded