At Cambridge Currencies, we specialise in large international money transfers. For compliance with UK regulations, we may need documents that show where your funds came from — known as your source of funds. This is a standard part of how we protect clients and meet FCA anti-money laundering (AML) requirements. The documents should confirm your full name, the amount covering your full transfer, and the date the funds were received.
Having your documentation ready before you transfer avoids delays and speeds up the process. See our guides on the best way to transfer large amounts internationally and securely sending large sums overseas for the full picture.
Common Scenarios and Accepted Documents
1. Salary, Bonus, or Employment Savings
- Payslips for the past 3 months
- Bank statements showing regular salary payments
- Your employment contract or employer letter
- Tax returns or accountant letters if self-employed
2. Sale of Property
If your money comes from selling a property abroad or in the UK:
- Sale and purchase agreement with buyer/seller details and dates
- A letter from your solicitor or estate agent
- Land registry or proof of ownership
3. Investment Withdrawals
- Investment statements
- Bank statement confirming proceeds received
- Letter from your accountant or adviser
4. Business Profits or Company Sale
For income from repatriating overseas business earnings or a company sale:
- Audited company accounts
- Sales agreement and payment evidence
- Business ownership records
- Letter from a regulated accountant
5. Inheritance
- Certified grant of probate
- Letter from the executor or solicitor
- Bank statement confirming payment
6. Loans
- Loan agreement with amount and lender details
- Recent loan account statement
- Letter from the provider
7. Insurance or Policy Claims
- Payout confirmation letter
- Bank statement showing the payment
- Certificate of claim or policy closure
8. Sale of Shares or Assets
- Contract note or proof of sale
- Statement from the investment firm
- Letter from a regulated accountant
9. Inheritance, Gifted Funds, or Winnings
- Signed gift letter from the donor or grant of probate
- Proof of winnings (letter, cheque, or payment slip)
- Bank statement showing the source
10. Rental Income
- Rental agreement and ownership documents
- Tax returns or financial accounts
- Accountant letter if applicable
How We Use These Documents
Cambridge Currencies works with FCA-regulated partners. Any information you provide helps us protect you from fraud, meet regulatory standards, and process your transfer quickly and securely. Your funds are always held in segregated client accounts throughout.
We offer one-to-one guidance on documentation during onboarding and before any large transfer. For context on what you’ll need for different transfer types, see:
- Buying property abroad guide — for property purchase transfers
- Repatriating overseas business earnings — for business income
- How long transfers take — for timing expectations
- MT103 tracking — if a payment is delayed
Need help preparing your documents? Request a free quote or speak directly with a Cambridge Currencies specialist. We work exclusively with FCA-authorised payment partners.
