What's the difference between emigration and immigration?

Emigration means leaving your home country to live in another, while immigration refers to entering a new country to live there. They are two sides of the same move, just from different perspectives.

What are the financial steps I should take before emigrating?

Before you move, it's important to plan your finances carefully, from transferring savings and closing local accounts to setting up a way to send and receive money internationally.

How can I move money overseas when emigrating?

You can use a specialist currency transfer provider like TorFX to send money overseas. We offer strong exchange rates, a range of transfer options, and expert support.

Is it better to use a bank or a currency specialist to transfer money when emigrating?

Banks can seem convenient but they often charge high fees, offer poor exchange rates, and provide a limited service. Currency specialists like TorFX help you save money and provide expert support every step of the way.

Can I transfer my pension or salary overseas?

Yes, you can transfer your pension or salary overseas. We can help with regular transfers like monthly pension payments, overseas income, or rent, as well as larger transfers if you choose to move your pension as a lump sum.

What exchange rate will I get when I transfer money overseas?

Exchange rates fluctuate constantly, so it depends on when you transfer. We can help you time you transfer for when the market is strong, and we provide various transfer options to help you navigate currency volatility.

Are there limits to how much I can transfer when emigrating?

There's no limit to how much you can transfer with TorFX, but larger amounts will require more stringent safeguarding measures and expert support.

How can I make sure I get the best exchange rate?

We offer tools like rate alerts and market insights, and you'll have a personal account manager to help you time your transfers and make informed decisions.

How long does an international money transfer take?

Most transfers are completed within 1-2 working days, depending on the currencies involved and the destination. We'll keep you informed every step of the way.

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Moving overseas?

^{Emigrating is an exciting new chapter, whether you’re moving for work, retiring in the sun, or seeking a better lifestyle. And to get your new life off to the best possible start, it’s important to have a smart plan for managing your money across borders.}

From buying property and transferring pensions to covering everyday expenses, the way you handle your currency transfers can have a big impact. Exchange rates and hidden bank fees can quickly add up, especially when you’re sending large or regular payments.

That’s why it pays to use a service designed to help you make the most of your money. At TorFX, we make international transfers simple, secure, and cost-effective. You’ll get great exchange rates, zero transfer fees, and expert support – so your money goes further and your move starts on the right foot.

Common reasons for emigration and why currency exchange matters

^{Every emigration journey is different, which is why we tailor our services to suit your needs.}

Retiring overseas

Retiring in another country is a dream for many, but managing money across borders can be complex. From transferring pensions to buying a home, we help you move your funds securely and cost-effectively so you can enjoy your retirement stress-free.

Working overseas

Living and working overseas often means juggling finances in multiple countries. Whether you're sending money home, transferring income, or paying international expenses, we offer great exchange rates and zero transfer fees to help your earnings go further.

Studying internationally

Studying overseas is an enriching, life-changing experience. Whether you're paying tuition fees, covering living expenses, or receiving support from home, we make it easy to move money with confidence and avoid unnecessary costs.

Why use TorFX for currency transfers when you’re emigrating?

^{At TorFX, we offer expert guidance, competitive exchange rates and a range of tools to help you plan ahead and protect your transfers from market volatility.}

Multi-award-winning 

Canstar 5-Star Rating 2018 to 2025  

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500,000+ happy customers 

$20bn transferred annually 

600,000 payments per year

40+ currencies 

Transfers to 120+ countries

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Save time and money on your transfers

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