Seamlessly move funds for property, investments, or luxury purchases — backed by dedicated personal managers.
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Effortless regular international transfers with Excel Currencies. Enjoy bank-beating rates, zero hidden fees, and easy scheduling for monthly or quarterly payments — ideal for expats, family support, property costs, or business needs. Personal human support every step.
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Streamline your business international transfers with Excel Currencies. Get bank-beating rates, no hidden fees, and expert support for importers, exporters, and global operations - saving on FX costs for invoices, payroll, and suppliers. Fast, secure, and tailored to your needs.
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Unaware that there was an alternative to my bank when sending money abroad, I was, justifiably hesitant in the beginning. In terms of price, service and execution of transfer. My expectations were not only met but surpassed. I can with confidence & already have recommended your service to friends, family and colleagues
Below are some of the more recent ones.
Registering and securing a rate is easy with the right help
Sign up online or over the phone in just a few minutes.
A video or Phone call with your personal currency expert to discuss how you get the best outcome for your money.
Your Currency Expert will help you lock in your exchange rate with no hidden transfer fees.
Transfer funds via bank transfer to your own named account.
Your conversion completes at the agreed rate and we release your payment.
Best Overseas Payments Provider 2025, Client Service Excellence Award 2025 & we continue to grow our 5 star reviews on Trustpilot.
For over 21 years, one principle has guided every decision we make at Excel Currencies: We exist to put our customers first.
That means better exchange rates, complete transparency, faster transfers and genuinely personal support — every single time.
We're proud to have been recognised as a multiple award-winning provider because these independent accolades reflect the experience thousands of customers have had with us:
Our promise to you remains unchanged:
I'm deeply grateful to our exceptional team who deliver this level of service day after day. Their dedication has earned us these awards and, more importantly, the ongoing trust of expats, families, business owners and international property buyers across the world.
After more than two decades of customer-first focus — and with fresh recognition still coming in — I'm more confident than ever that we’ll keep delivering exceptional value for the next 21 years and beyond.
Thank you for choosing Excel Currencies. We never take your trust for granted.Karl Daly Founder & CEO Excel Currencies
Buying a dream home in France? Meet the Horshams, who faced a 12-week completion timeline amid volatile EUR/GBP rates. Currency swings could have cost them thousands, but with our bank-beating exchange rates and no hidden fees, they saved £14,875. Discover how we locked in rates and simplified their transfer—fast and secure.
Selling your Spanish retreat and moving back to the UK? The Thompsons faced a 16-week completion amid GBP weakening against the EUR. Volatility could have cost them thousands in repatriated funds, but with our bank-beating rates and no hidden fees, they secured an extra £16,200. See how we locked rates and ensured fast, secure transfers.
Developing luxury villas in Portugal? The Martins faced an 20-month build timeline with GBP weakening against the EUR in 2025. Volatility threatened to inflate costs by tens of thousands, but with our bank-beating rates, zero hidden fees, and phased forward contracts, they protected £21,450 in project margins. Discover how we secured their budget and kept transfers fast and secure.
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When buying a property overseas, securing the best exchange rate is a top priority for many. But what does "the best price" really mean? Without understanding the foreign exchange (FX) markets, chasing this goal can lead to costly mistakes. At Excel Currencies, we’ve helped clients navigate this process for over 21 years, and we’re here to shed light on the risks and how to avoid them.
Many clients tell us, “I want the best price,” but when we ask, “What does that look like for you?” the answer isn’t always clear. The FX markets are volatile—rates can swing dramatically in just days. For example, if you see the GBP drop for two days straight, you might panic and buy, fearing it’ll get worse. But often, the market retraces higher soon after, leaving you locked into a worse rate than necessary. This emotional decision-making is a common trap for the inexperienced.
Another misconception is that shopping around for quotes from multiple FX companies on a single day guarantees the best outcome. But what if the rate spikes higher the next day—or the day after? Suddenly, that “best price” costs you more for your property than you planned.
After paying your deposit, you typically have a 10-15 week window to buy your currency. That’s plenty of time for rates to fluctuate. Inexperienced buyers might jump at the first sign of movement, but without understanding why the market is shifting, they risk acting too soon—or too late. A pragmatic approach, grounded in market insight, is the key to securing a rate that truly works for you.
At Excel Currencies, we don’t just offer rates—we deliver outcomes. We’ll sit down with you to define what “the best rate” means for your specific situation, setting clear criteria and expectations. Our experienced team will guide you through the process, helping you avoid knee-jerk reactions to short-term market dips. Together, we’ll create a plan to make the most of your 10-15 week window, ensuring you get the best possible result for your money.
Trying to figure this out on your own—or relying on companies that leave it “up to you”—can be a recipe for regret. Partnering with Excel Currencies means you’re not just chasing a rate; you’re securing your future property with confidence. Let us take the lead and deliver the outcome you deserve.
Thinking of buying property abroad in 2026? Our step-by-step guide covers top countries, costs, legal tips, and how to avoid losing thousands on exchange rates with bank-beating rates & zero hidden fees from Excel Currencies.
Buying a property abroad
Selling overseas property in 2026? Learn the process, UK CGT rules for expats, key taxes, and how to save thousands on transfers with bank-beating rates & no hidden fees from Excel Currencies.
Selling a property abroadWhen transferring money abroad, trust and security are paramount. At Excel Currencies, we prioritise the safety of your funds, giving you peace of mind with every transaction.
With over two decades of experience, we are a reliable partner for your international money transfers.
Fully regulated by the Financial Conduct Authority (FCA) and registered with HMRC as a Money Service Business for 21+ years.
Your funds are held in dedicated, named accounts with globally trusted institutions like Barclays, Visa, and Currency Cloud.
Our advanced infrastructure adheres to stringent compliance and security protocols, ensuring your money is protected.
We proudly maintain an A+ 90% credit rating in the UK, reflecting our financial stability and reliability.
We implement rigorous processes to safeguard your funds against fraud, in line with FCA and Payment Services Regulations.
The account we open will be ( COP enabled ) in your personal or business name.
The accounts are held with Barclays, or Currency Cloud who are owned by Visa.
We hold an A+ 90% UK credit rating.
We are authorised and regulated by the FCA ( 911228 ). We are registered with HMRC as a Money Service Business.
Registered clients from around the world
Payments completed
Countries that we have made payments to
Years since we started trading
You can register for free online in a couple of minutes, or over the phone with one of our team on +44 (0) 1322 221 121 or email customer.s@excelcurrencies.com. You may be asked to provide proof of identity and/or proof of address documentation when you register, but we'll store your data securely and never share it with anyone.
Occasionally we may ask for further details, but we'll let you know as soon as possible if that's the case. You may be asked to provide proof of identity and/or proof of address documentation when you register, but we'll store your data securely and never share it with anyone.
Exchange rates fluctuate almost constantly and are affected by many different factors, including the state of the relevant country's economy (for example, government debt levels and economic growth forecasts).
You'll agree to the exchange rate in the app, online, or with your Excel Currencies account manager. You'll be asked to confirm that you're happy to go ahead with that rate. Once confirmed, the rate is fixed for you, regardless of market changes.
No. Our contracts are legally binding. Once you’ve confirmed your transfer (by phone, online, or via the app), it can no longer be cancelled.
Please refer to our terms and conditions for more information.
Yes, Excel Currencies will send you a confirmation email as soon as the currency has been sent.
UK regulations help protect your money and keep people and financial businesses safe from fraud. As part of these requirements, Excel Currencies may ask you to provide documents that verify your identity and/or address.
Your data is stored securely and will never be shared with anyone. Occasionally, we may request additional details and will notify you if this is required.
You need an account to use Excel Currencies' services. Registration is free and only takes a few minutes. Once registered, you can check live exchange rates, set rate alerts, receive market updates, and access expert support.
You don't have to transfer money immediately—but if you ever need to, we're available to help 24/7.
For most transfers, there are no fees. However, fees may apply when using our Batchpay service.
Excel Currencies buys currency in bulk at wholesale rates not available to individuals or most businesses. We add a small variable margin before selling the currency at rates that are typically more competitive than banks. This margin is how we earn revenue for providing the service.
The rate you'll typically see when you do a general search is the 'interbank rate' - the wholesale rate at which banks, and major financial institutions, buy and sell currency. This isn't available to individuals or most companies.
At Currencies Direct, we buy currency in bulk at wholesale prices and pass the savings on to you as customers via competitive exchange rates. The exchange rate we quote to customers consists of a base or reference rate plus a variable margin. We keep the margin - it's our return for doing the exchange.
The exchange rate changes every few seconds, but once we agree a rate with you that's the rate you'll get.
Whatever works for you - app, online, or talking to one of our experts over the phone. And you can pay for your transfer by bank transfer or debit card.
Yes. We'd be happy to hear from you. Call us on +44 (0) 20 7847 9400 or email customer.s@excelcurrencies.com.
Less than 1 minute from here to complete our streamlined registration process.
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