UK specialist currency broker for international money transfers

Specialist currency broker for 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 in segregated accounts at a tier-one credit institution by our FCA-authorised partners, 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

USD Forecast 2026: Dollar Outlook for the Next 6 Months

DXY peak-then-decline pattern, the 28–29 April FOMC decision, and what it means for UK USD invoice payers.

Updated weekly Read forecast →
GBP/EUR Forecast

Pound to Euro Forecast 2026: GBP/EUR Outlook

BoE/ECB joint decision day on 30 April, the 175bps rate gap, and EUR/GBP range outlook.

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 held in segregated, safeguarded accounts 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