If you’re planning to move a large sum of money, say, €20,000, €100,000, or more from Europe to the UK, the way you transfer those euros into pounds can make a big financial difference.
Whether you’re buying a home, relocating funds from a sale abroad, or managing an international inheritance, the decisions you make today will directly impact how much you receive in GBP.
In this guide, we’ll walk you through:
- The safest and smartest way to convert large euro amounts into pounds
- How to avoid excessive bank charges and poor exchange rates
- What to look for in a currency provider
- Real strategies to maximise your return on the transfer
Why Big Transfers Require a Different Approach
Transferring €200 to pounds is one thing. Transferring €200,000? That’s a different game.
With large international money transfers, even a small change in the exchange rate can cost you hundreds or thousands. And unfortunately, banks are rarely transparent about the rates they offer.
Here’s the truth:
| Scenario | Exchange Rate Loss | Estimated Cost |
|---|---|---|
| Bank conversion (€200,000) | 3–4% worse than market rate | £5,000–£8,000 loss |
| Cambridge Currencies | Market-aligned rates | £0 fees, better returns |
Most people only realise this after the money is gone.
Why Banks Aren’t the Best for Large Currency Transfers
Banks are designed for storing and moving money domestically, not for providing competitive international exchange services. When they do offer euro to pound transfers, you’ll often pay twice:
- A direct transfer fee (usually between €20–€50)
- A hidden margin in the exchange rate — often 3% or more
And because these margins are not usually disclosed, many customers don’t realise they’re losing money.
The Cambridge Currencies Advantage
We specialise in international currency transfers, not everyday banking. That means:
- Highly competitive EUR to GBP exchange rates
- Zero transfer fees
- Dedicated support from a human expert, not a faceless app
- Fast execution – often same-day delivery to your UK bank account
- Full transparency from start to finish
Did you know? We help clients repatriate funds from property sales in France, Spain, Italy, and Portugal — often saving them thousands on exchange losses compared to high-street banks.
How It Works: Our Secure Transfer Process
Here’s what happens when you transfer euros to pounds with us:
1. Get Verified
We’ll perform a quick identity check — this is standard practice and usually takes just a few minutes online.
2. Book Your Exchange Rate
Once you’re happy with the live EUR to GBP rate, we lock it in and confirm the deal with you — no surprises, no market swings.
3. Send Your Euros
You send the euros via your local bank to our secure client account.
4. Receive Pounds in the UK
We convert the euros at your secured rate and transfer the GBP to your UK bank account — typically within hours.
Can I Lock in a Rate in Advance?
Absolutely. If you’re waiting on the completion of a property sale or want to secure a rate before the euro falls, we offer forward contracts.
This means you can:
- Lock in today’s rate for up to 12 months
- Avoid market fluctuations
- Budget confidently for your future in pounds
Example: Fixing the rate before the euro drops 1% on a €300,000 transfer can save you £3,000.
Is There a Limit to How Much I Can Transfer?
With us, there’s no upper limit. Whether you’re moving €10,000 or €10 million, we’re equipped to handle the process professionally, securely, and efficiently.
Banks, by contrast, often have daily limits of around (€25,000) usually on online transfers and may require in-person branch visits for large sums, a hassle you don’t need.
What Details Will I Need?
To transfer euros into a UK account, you’ll need:
- The recipient’s name
- Their IBAN
- Their SWIFT/BIC code (for cross-border payments)
- The destination bank name
We’ll help you through it step-by-step — no jargon, no guesswork.
How Long Will It Take?
Transfers are typically completed on the same day, especially if your euros arrive before 3:30pm UK time. Delays may occur if the sending bank is slow to release funds, or during weekends and bank holidays.
But rest assured: we prioritise speed and certainty — especially when large sums are involved.
Why Customers Trust Cambridge Currencies
We’ve helped thousands of individuals and businesses transfer funds between Europe and the UK, and here’s what sets us apart:
- All transfers are processed through FCA-authorised partners
- Client funds held in segregated accounts
- 5-star rated service — real people, not bots
- No gimmicks. No fees. Just better rates.
Real Savings. Real Support.
If you’re moving a large amount of euros to the UK, you’re not just making a transaction, you’re making a financial decision that can impact your future.
Let our expert team guide you through the process, ensure you get the most competitive rate, and save you money that’s better spent on your goals and not lost to hidden fees.
Ready to Get Started?
Whether you want a quote, need advice, or are ready to transfer now — we’re here to help.
Request Your Free EUR to GBP Quote Now
Or speak to one of our specialists about your situation — no obligation, just guidance.
Cambridge Currencies – Helping you move your money, not lose it.
