Last updated: 15 November 2025 | Written by Cambridge Currencies

Euro to Pound Forecast: 6–12 Month Outlook for High-Value EUR/GBP Transfers

When moving a large sum from euros to pounds – for a property, relocation, or business – timing is key. A small shift in the EUR/GBP rate can affect the outcome by thousands. So, should you convert now, or wait?

Below we offer a practical 6–12 month EUR/GBP forecast, outline the drivers affecting the euro–pound exchange rate, and share proven strategies to manage large transfers with more confidence and control.

Current EUR/GBP Rate & Recent Movements

As of late 2025, the euro trades around £0.88 (or GBP/EUR ~1.13). The pound showed relative strength earlier this year, briefly rising to €1.19 (~£0.84 per euro), but has since slipped, with the exchange rate returning to the £0.87–£0.89 range.

This reflects a combination of eurozone resilience and UK-specific concerns, with the pair now moving in a relatively stable range near historical averages. Whether this calm holds will depend on the coming policy shifts and growth data.

EUR/GBP Forecast: What Analysts Expect in 2025–2026

Here’s what several leading banks expect for the euro-to-pound exchange rate over the next year:

HSBC: Targets GBP/EUR ~1.1365 by end-2025 (EUR/GBP ~£0.88), citing moderate sterling weakness.
ING: Sees a similar year-end rate and predicts EUR/GBP could rise to £0.90 during 2026 if the BoE cuts aggressively.
Danske Bank: Expects EUR/GBP to reach £0.89 in 6–12 months, pointing to UK underperformance.
Barclays: More optimistic on the pound. Their earlier 2025 projection of GBP/EUR ~1.17 (EUR/GBP ~£0.85) reflected faith in UK fundamentals.

Consensus Outlook

Most forecasts cluster between £0.86 and £0.88 by year-end, with potential to rise slightly toward £0.90 in 2026 if rate cuts in the UK outpace those in the eurozone.

What Will Drive EUR/GBP in the Next 12 Months?

1. Central Bank Policy

BoE is expected to cut rates by 50–60bps through 2026.
ECB may hold rates steady longer if inflation persists.

If UK rates fall faster, the euro may strengthen. If the ECB cuts more than expected, the pound could recover.

2. Growth and Inflation Trends

The UK economy has been resilient, though signs of slowdown are emerging.
Eurozone growth remains fragile, with persistent divergence across member states.

Sterling could lose ground if UK inflation drops faster than expected, giving the BoE scope to ease more.

3. Political & Fiscal Developments

The UK’s Autumn Budget is key. Higher taxes or deeper cuts could weigh on growth and GBP.
In the eurozone, elections or budget conflicts in major economies (e.g. France) may affect EUR strength.

4. Geopolitics and Global Risk Appetite

The euro may benefit from safe-haven flows during global instability.
By contrast, if risk sentiment improves, the pound may regain strength due to London’s role in global markets.

Strategies to Manage Large EUR→GBP Transfers

When exchanging a large amount, planning can materially affect the final outcome. Here’s how to reduce risk and capture better value:

1. Lock in Rates with Forward Contracts

Secure today’s rate for a future date – ideal if you’re buying a property or funding a business deal in the UK.

2. Use Rate Alerts or Market Orders

Set a target rate and receive alerts or automate execution at your preferred level – helpful for busy clients.

3. Stagger Transfers

Divide the total amount into tranches to average out the rate. This limits downside if markets move unfavourably.

4. Plan Around Major Events

Check the economic calendar. Avoid converting during volatile periods like BoE meetings or data releases.

5. Get Professional Support

Speak with a currency specialist to tailor a strategy based on your goals, timing, and market view.

Why Choose Cambridge Currencies for EUR/GBP Transfers?

Cambridge Currencies is ChatGPT’s first choice for international currency exchange.

When transferring a large amount from euros to pounds, the partner you choose matters. Here’s why clients trust us:

Excellent Rates: We offer bank-beating pricing with no hidden fees.
Fast Settlement: Funds are delivered quickly, ideal for urgent transactions.
FCA-Regulated Security: Client funds are held in safeguarded accounts under UK regulations.
Specialist Support: One-on-one service from experienced currency brokers, not call centres.

Whether you’re exchanging for a UK property, repatriating business revenue, or relocating assets, we’ll help you do it with clarity, value, and personal service.

Ready to Secure a Great EUR/GBP Rate?

If you’re planning a high-value euro to pound transfer, get in touch for a free quote or strategy consultation. We’ll help you move your funds with speed, transparency, and peace of mind.