Get a currency quote in minutes
See the live mid-market reference rate, then get a no-obligation call back from a dedicated specialist with your live trading rate — margin disclosed upfront. No app, no chatbot.
A currency quote is the exchange rate available to you for a specific transfer.
The mid-market rate shown in the calculator is the wholesale reference rate published by the European Central Bank — it is indicative only and not the rate at which any provider trades. Your live trading rate depends on the currency pair, transfer size, timing and the provider’s margin. To confirm yours, request a quote and a Cambridge Currencies specialist will call you back.
How a Cambridge Currencies quote works
Four steps from enquiry to live rate — and we confirm everything before you trade.
Submit your enquiry
Use the calculator above or call us. Tell us the currencies, amount and roughly when you need the funds.
Speak to a specialist
A dedicated specialist calls you back to discuss the corridor, your use case and the right approach — spot, forward or limit order.
Live rate confirmed
You receive a firm trading rate against the live mid-market, with our margin disclosed upfront.
Trade and settle
If you’re happy, we book the trade and send settlement instructions — funds typically arrive the same or next business day.
Bank quote vs app quote vs Cambridge Currencies quote
Most providers don’t quote against the mid-market — they quote a rate that already includes their margin, with no clear way to see what you’re paying. Here’s how the three main routes compare on what matters:
| What’s in the quote | High-street bank | Currency app | Cambridge Currencies |
|---|---|---|---|
| Mid-market rate disclosed | Rarely | Sometimes | Always shown |
| Margin disclosed before trade | No | Sometimes | Yes, every time |
| Typical margin (FX spread) | 2.5%–4% | 0.4%–1.5% | Tighter margin, shown upfront |
| Transfer fee on £5,000+ | £15–£40 per transfer | Variable | No fee over £5,000 |
| Forward contracts available | Limited | Some providers | Yes, up to 12 months |
| Named specialist to call | No | No | Yes — every time |
| UK regulation | FCA / PRA | FCA (varies) | FCA-authorised partners |
Margin and fee ranges are indicative and vary by currency pair, transfer size, timing and market conditions. Always compare a live quote against your bank before you commit — savings vary. See our guide to large international money transfers.
“A quote is meaningless without context. We show clients the live mid-market rate alongside the rate we’re offering, so they can see exactly what our margin is. That transparency is the difference between a price and a quote you can trust.”
Common reasons clients request a currency quote
Cambridge Currencies handles transfers from a few thousand pounds up to £5m+. Some of the most common scenarios our specialists quote on:
Buying property abroad
Deposit transfers, completion payments and forward contracts to fix your Spain, France, Italy or Portugal purchase rate up to 12 months ahead.
Business international payments
Supplier payments, invoice settlement and payroll for SMEs and corporates. See our business foreign exchange service.
Large private transfers
Inheritance, sale proceeds and high-value personal transfers, with tighter margins on larger sums. See large international money transfers.
Tuition and pension payments
Recurring payments for overseas school fees and retirement income, with regular payment plans and forward cover where useful.
“Most clients we quote for aren’t comparing rates in isolation — they’re weighing timing, structure and risk. A property buyer worried about a euro spike before completion needs a forward, not just a spot rate. We quote on the full picture, not just the headline number.”
Built for clients who want a quote they can verify
Regulated and protected
- Cambridge Currencies works exclusively with FCA-authorised payment partners who provide the regulated infrastructure for every transfer
- Currencycloud — payment partner, FCA-authorised, FRN 900199
- ScioPay — payment partner, FCA-authorised, FRN 927951
- Client funds safeguarded with credit institutions via our partners
- Robust anti-money-laundering and identity verification on every transaction
What you get with every quote
- Live mid-market reference rate shown alongside our trading rate
- Margin disclosed before you trade — no hidden FX spread
- A dedicated specialist handling your enquiry from quote to settlement
- No transfer fees on payments over £5,000
- Optional forward contracts to fix the rate up to 12 months ahead
- Same or next-business-day settlement on most major currencies
Common questions about currency quotes
How do I get a currency quote from Cambridge Currencies?
Why is the calculator rate different from the rate I’ll trade at?
Is a currency quote binding?
Are there any fees on top of the quoted rate?
Can I lock in a rate for a future date?
Do I need to provide ID to receive a quote?
What’s a typical margin on a currency quote?
Can I get a quote outside UK business hours?
Do you handle quotes for businesses as well as private clients?
Why trade by phone instead of through an app?
Ready to request your quote?
Submit your enquiry and a Cambridge Currencies specialist will call you back during UK business hours with your live trading rate. No obligation, no pressure — a transparent quote and a named specialist who knows your account.