Keeping your funds secure is our top priority. Find out how you can protect your international payments and defend yourself against fraud.
At Excel Currencies, we've been helping people and businesses make their money go further abroad for 22+ years. Founded in 2004 by Karl Daly, our Managing Director, the company was established to challenge the high costs and poor service typical of traditional banks in international money transfers.
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Karl founded Excel Currencies in 2004 after a career in banking that began in the year 2000. While at Barclays Bank, he specialised in compliance, anti-money laundering (AML), risk management, and Know Your Customer (KYC) processes — gaining deep insight into how regulated financial services should protect and serve customers properly.
Talk to Karl or the team todayFrustrated by the high costs and impersonal nature of traditional international transfers, I left Barclays to create a better way: one built on bank-beating rates, zero hidden fees, fast secure delivery, and genuine personal support.
We treat every pound like it’s our own — because your money matters.”
deliver bank-beating exchange rates, no hidden fees – ever (we charge zero transfer fees for standard single payments), fast and secure transfers, and the personal, human support that makes moving large or important sums feel straightforward and stress-free.
We're not an anonymous online platform — we're a dedicated team of experts who answer the phone, explain your options clearly, and guide you personally every step of the way.
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Below are some of the more recent ones.
In the early 2000s, international transfers were often expensive, slow, and impersonal. Karl saw an opportunity to do things differently — combining institutional-grade expertise with customer-first service.
Whether you're an expat buying a home in Spain or Portugal, supporting family abroad, paying overseas tuition, emigrating, or managing business imports/exports, we exist to help you save thousands and remove the worry from currency exchange.
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Here's what thousands of clients value most:
Consistently better than high-street banks, often saving up to 90% on total costs compared to traditional providers
Zero transfer fees for standard single payments (small charges may apply only in specific cases like multiple payments)
Same-day or urgent options (as little as 2 hours in many cases), with funds fully segregated and safeguarded
Talk to real people every time. Karl Daly and the team (including Jamie, Ian, Dan, and others) know your name and your needs
Forward contracts, market orders, rate alerts, flexi-spot deals, and a multi-currency e-wallet holding up to 35 currencies
Authorised and regulated by the Financial Conduct Authority (FCA 911228) — the same high standards Karl applied in his Barclays days
Registered clients from around the world
Payments completed
Countries that we have made payments to
Consistently On Trustpilot
For Service Excellence
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.
From first-time overseas property buyers to experienced importers — return because they
receive honest, efficient, and caring support from people who truly understand the stakes.
We're here to help you save money and take the stress out of moving money abroad.
by phone, email, or our simple online platform. No obligation, just straightforward, expert advice.
Excel Currencies Ltd,
Enterprise House,
8 Essex Road, Dartford,
Kent DA1 2AU
Registered in England and Wales,
No. 05171054
Because your money matters, and so does the service you receive.
Go To SupportExcel Currencies Ltd is a UK foreign exchange specialist. Karl Daly founded it in 2004, and it is based in Dartford, Kent. We help private clients and businesses send money abroad at competitive exchange rates, and you work with your own expert rather than an anonymous app.
