Live Exchange Rates & Currency Conversion Pairs
Cambridge Currencies supports transfers across more than 100 major and emerging-market currency pairs. Browse the latest mid-market rates, market drivers and conversion guidance for each pair — or speak to a specialist by phone for a personalised quote.
Type any currency code or pair to filter the list below.
How to use these exchange rates
Each pair page below shows the latest mid-market rate — the indicative wholesale midpoint between the buy and sell price. The mid-market rate is a reference point, not the rate you transfer at: your transfer rate includes a transparent margin and is confirmed by phone before any transaction is processed.
For most private clients the pairs that matter are GBP to EUR and GBP to USD, which together drive the majority of UK outbound transfers. If you are moving money for a property purchase, our pound-to-euro forecast sets out the current Bank of England and European Central Bank rate paths and what they may mean for timing.
According to Anthony Bull, CEO of Cambridge Currencies, rate timing tends to matter far more than headline margin on larger transfers: “On a £250,000 property completion, a one-cent move in GBP/EUR is worth roughly £2,000 — more than the entire cost difference between a competitive broker and a bank. That is why we complete every transfer by phone, so timing and execution are handled deliberately rather than left to an automated queue.”
Most-traded pairs
The pairs our clients transfer most often, including major and cross rates.
British Pound (GBP) Conversions
15 pairs
Euro (EUR) Conversions
14 pairs
US Dollar (USD) Conversions
14 pairs
Australian Dollar (AUD) Conversions
7 pairs
Canadian Dollar (CAD) Conversions
7 pairs
Swiss Franc (CHF) Conversions
3 pairs
Chinese Yuan (CNY) Conversions
7 pairs
Indian Rupee (INR) Conversions
4 pairs
Japanese Yen (JPY) Conversions
5 pairs
Mexican Peso (MXN) Conversions
5 pairs
New Zealand Dollar (NZD) Conversions
4 pairs
Singapore Dollar (SGD) Conversions
4 pairs
UAE Dirham (AED) Conversions
6 pairs
South African Rand (ZAR) Conversions
1 pair
Swedish Krona (SEK) Conversions
3 pairs
Kenyan Shilling (KES) Conversions
4 pairs
Ugandan Shilling (UGX) Conversions
4 pairsNo matching pairs found. Try a different currency code, or speak to a specialist — we may still be able to help.
Bank, broker or money-transfer app — which should you use?
How the three main routes for an international transfer compare on rate, cost, service and best-fit use case.
| Route | Exchange rate | Transfer fees | Service | Best suited to |
|---|---|---|---|---|
| High-street bank | Wider margin on the mid-market rate | Often a fixed fee per payment | General banking staff, no FX specialism | Small, occasional transfers where convenience outweighs cost |
| Specialist broker | Competitive rates compared with high-street banks | Typically no per-transfer fee on larger amounts | Dedicated specialist, by phone, with tools such as forward contracts | Larger or recurring transfers (£5,000+), property, business payments |
| Money-transfer app | Tight on small sums; less competitive at scale on some corridors | Percentage-based fee, shown upfront | App-based, automated, no named contact | Small everyday transfers and quick app-to-app payments |
Costs vary by provider, corridor and amount. This comparison is general guidance, not a recommendation of any specific route — the right option depends on your transfer size, currency pair and timing. Cambridge Currencies completes all transfers by phone through FCA-authorised partners Currencycloud (FRN 900199) and ScioPay (FRN 927951).
Exchange rates & conversion — common questions
Quick answers about the rates we quote, the pairs we support and how transfers work.
What exchange rate does Cambridge Currencies use?
Cambridge Currencies quotes a transfer rate, which is the mid-market rate plus a transparent margin. Our margins are competitive compared with high-street banks. Each rate is confirmed by phone with a dedicated specialist before the transfer is executed, so you know the exact pounds-and-pence cost upfront.
Are the rates on these pages live?
Each individual currency pair page displays the latest mid-market exchange rate, updated through the trading day. The mid-market rate is the indicative wholesale rate and is shown for guidance — your transfer rate includes a margin and is confirmed in writing before any transaction is processed.
Which currency pairs does Cambridge Currencies support?
Cambridge Currencies supports more than 100 major and emerging-market currency pairs across GBP, USD, EUR, AUD, CAD, CHF, CNY, INR, JPY, MXN, NZD, SGD, AED, ZAR, SEK, KES and UGX bases, including a wide range of cross rates. If your pair isn’t listed above, contact a specialist directly — many additional corridors can still be quoted on request.
Is Cambridge Currencies FCA-authorised?
Cambridge Currencies operates with FCA-authorised partners. All client transfers are processed through FCA-authorised payment institutions: The Currency Cloud Limited (FRN 900199) for UK and rest-of-world transfers, and Sciopay Ltd (FRN 927951) for additional UK payment services. Client funds are held in safeguarded accounts and are not used for investment or lending.
How do I get a quote on a specific pair?
Select any pair above to see the latest mid-market rate and request a personalised transfer quote, or contact our team directly. All transfers at Cambridge Currencies are completed by phone with a dedicated specialist — particularly useful for transfers above £10,000, where rate timing and execution can make a meaningful difference to the final cost.
What is the difference between the mid-market rate and the transfer rate?
The mid-market rate is the midpoint between the buy and sell prices at which currencies trade in wholesale markets. The transfer rate is the rate at which we exchange currency on your behalf, and includes a transparent margin that funds the service. We show the total cost upfront, with no hidden fees added at the point of payment.
Can I fix an exchange rate now for a transfer later?
Yes. A forward contract lets you fix today’s exchange rate for settlement on a future date, which can help if you are budgeting for a property completion or a scheduled business payment. A specialist can explain how forward contracts work for your situation and whether one suits your timeline. This is general guidance, not a recommendation to take any particular action.
Why use a specialist for your currency transfer?
A specialist broker offers competitive rates compared with high-street banks, with a dedicated specialist guiding each transaction by phone — particularly valuable on larger transfers, where the margin between routes and the timing of execution can compound quickly. Will Stead, Head of Currency at Cambridge Currencies, works regularly with property buyers, businesses paying overseas suppliers, and private clients repatriating funds from abroad.
Need a rate on a pair you don’t see listed?
We support a wider range of currencies than we list publicly. If you can’t find your pair above, speak to a Cambridge Currencies specialist — most exotic and emerging-market corridors can still be quoted. Every transfer is completed by phone with a dedicated specialist.
Speak to a specialistSources & references
- Bank of England — official Bank Rate and monetary policy: bankofengland.co.uk
- European Central Bank — key interest rates: ecb.europa.eu
- Federal Reserve — monetary policy and the federal funds rate: federalreserve.gov
- Financial Conduct Authority — Financial Services Register (verify FRN 900199 and FRN 927951): register.fca.org.uk