Send money overseas with a UK currency specialist on the line
A UK specialist currency broker for property, business, and large international transfers — no transfer fees, and every trade handled by phone with a dedicated specialist.
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Switching providers?
Moving to Cambridge Currencies is straightforward
If your existing currency broker has stopped trading or you’re simply looking for a more personal service, we’ll guide you through the move. Registration is quick, and your specialist is on the phone with you from the first quote.
Quick online registration
Simple online sign-up with electronic ID verification through our regulated partners. No paperwork to post.
Safeguarded funds
Client funds are held in segregated accounts at a tier-one credit institution by our FCA-authorised partners Currencycloud (FRN 900199) and ScioPay (FRN 927951).
One direct line
You speak to the same specialist on every transfer — no call centres, no ticketing systems, no being passed around.
Why Cambridge Currencies
Specialist help for transfers that actually matter
We support clients on the transfers banks treat as routine and apps treat as transactions — property purchases, business payments, and large personal transfers where the rate, the timing, and the person on the other end of the phone all matter.
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Tighter margins than typical high-street banksUK banks typically apply margins of around 2–4% above the mid-market rate, plus per-transfer fees of £10–£40. Our margins are tighter and disclosed up front — which can mean meaningful savings on larger transfers.
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No transfer feesThe rate you’re quoted is the rate applied to your transfer. No SWIFT fees, no flat charges, no hidden mark-ups.
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Tools beyond the spot transferForward contracts to fix today’s rate for up to 12 months. Limit and stop-loss orders to target a level. Useful when you have a completion date or invoices in foreign currency.
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Regulated payment infrastructureTransactions complete through FCA-authorised payment institutions Currencycloud (FRN 900199) and ScioPay (FRN 927951). Client funds are held in segregated accounts at a tier-one credit institution.
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A dealer, not an appEvery trade is handled over the phone by a dedicated specialist who knows your transfer, your deadline and your context. No call centre, no being passed around.
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.
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.
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Common questions
Questions clients ask before switching
If your question isn’t here, call our team on +44 (0)1223 608 232.
Is Cambridge Currencies regulated?
Cambridge Currencies is not directly FCA-authorised. We operate through FCA-authorised payment institution partners — Currencycloud (FRN 900199) and ScioPay (FRN 927951). All client funds are held in segregated accounts and safeguarded under FCA Payment Services Regulations.
How do I switch from another currency broker?
Registering with Cambridge Currencies is a fresh account, not a transfer between brokers. You complete our online registration, pass electronic ID verification, and your specialist contacts you to confirm details. Most clients are ready to trade within 24 hours.
If your previous broker has stopped trading, contact their administrator about any client funds held. Cambridge Currencies cannot recover funds held by a third party.
How much can I save versus using my bank?
UK high-street banks typically apply margins of around 2–4% above the mid-market exchange rate, plus per-transfer fees of approximately £10–£40. Cambridge Currencies works to tighter margins with no transfer fees — which can mean meaningful savings on larger transfers. The exact saving depends on your bank, your transfer amount, and the currency pair. Always compare a live quote against your bank before you commit.
Are there any fees?
No. Cambridge Currencies charges no transfer fees, no SWIFT fees, and no flat charges. The rate quoted by your specialist is the rate applied to your transfer. Our margin is built into the exchange rate and disclosed transparently.
What transfer sizes do you handle?
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 for property purchases, business payments, and large personal transfers.
Speak to a currency specialist today
Get a live quote on your transfer in under two minutes. No commitment, no obligation — and every transaction is completed by phone with a named specialist who knows your file.
Cambridge Currencies Ltd operates via FCA-authorised payment institution partners Currencycloud (FRN 900199) and ScioPay (FRN 927951). Client funds are held in segregated, safeguarded accounts.