Level 1 credit rating
Dun & Bradstreet, the highest
Take control of your exchange rate with an expert by your side
- Your own, real currency expert
- Great rates, no transfer fees
- Tools to fix, target or hold your rate
Join over 600,000+ customers.
FCA authorised
Electronic Money Institution
Established in 2004
Over 20 years’ experience
40+ currencies
To 120+ countries
Your own account manager
A real currency expert
How we compare
Compare us with services from traditional banks, and with modern currency apps like Wise.
| Feature | Currencies Direct | Apps like Wise | Traditional banks |
|---|---|---|---|
| Expert support, from sign-up to transfer | Human-first, plus digital tools. Experts with you at every stage, with decades of experience in specialist transfers | Digital-first and self-serve, with chat, phone and a large-transfer team | General banking support on standard personal accounts |
| Personal market guidance | Expert guidance on when to book | Rate alerts to track the market yourself | Not typically offered† |
| Transfer fees | No transfer fees* | A fee on every transfer | Varies by bank, up to £25 per payment |
| Property transfers | Dedicated property specialists, with documents checked before you book | General large-transfer support, with documents requested after set-up | No dedicated property service† |
| Fix a rate for later | Up to 12 months ahead, with a forward contract | Only while your payment arrives, typically up to 48 hours | Not typically offered† |
| Target a rate | Limit orders at your chosen rate | Auto Conversions, using money you already hold with them | Not typically offered† |
* Our margin is included in the exchange rate. † On standard personal accounts. Based on publicly available information from Wise and the UK’s largest banks, checked Oct 2026. Check the total cost and the amount that will arrive before you transfer.
What happens next
Four steps from asking for a quote to moving your money. You can complete each step online or over the phone with us.
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Within the hour
1. We get in touch
A currency expert calls and emails in working hours. You'll get a live price, how it compares to your bank, and their view on whether now is a good time to transfer.
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A few minutes
2. You register
Online in a couple of minutes, or we'll do it with you on the phone. Registering now means nothing will hold up your transfer later.
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Helping you get a better rate
3. We set up your transfer
Move now, fix a rate for later, or set a target rate. By phone or online, we’ll help set up your transfer to get you a great rate for your dates.
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When you're ready
4. You book and transfer
Your rate is fixed the moment you book. Send us the funds and we’ll confirm when the money arrives.
Transfer your money at the best rate for you
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Great rates, no transfer fees
Bank-beating rates and nothing added on top from us. Your recipient bank may charge to receive.
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Personalised service
Your own dedicated account manager, a currency expert who helps you decide when and how to make your transfer.
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Better timing can mean a better rate
Fix a rate for later, target a rate and transfer automatically when it’s reached, or get an alert when the market moves.
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Trusted since 2004
600,000+ customers across our group, over £8.5 billion transferred every year, award-winning year after year, and the highest credit rating from Dun & Bradstreet.
Currency tools to help you stay in control
Many people don't realise there's more than one way to transfer, because most providers only offer one. With us there are several, and your expert helps you choose the one that fits your plans.
Forward contract
Secure an exchange rate for up to two years in advance, so you can budget with confidence.
Limit order
Set your desired rate and we'll automatically transfer your funds when the market reaches it.
Rate alerts
Get a text or email the moment the market moves to a rate you're happy with.
Currency wallets
Buy when the rate is right and hold it in your digital currency wallet until you need it.
We're here to help
Our currency experts are currently offline
07 5560 4482
- Monday to Friday
- 7am to 6pm (AEST)
- Saturday
- 8am to 12pm (AEST)
- Sunday
- Closed
Frequently asked questions.
An international money transfer lets you send money from one country to another, usually in a different currency. With TorFX, you can do this quickly, securely and at competitive exchange rates.
Currency brokers typically offer better exchange rates, lower fees and more personalised support than traditional banks, helping you save money and make more informed transfers.
Yes. TorFX is licensed by the Australian Securities and Investments Commission (ASIC) in Australia and by the Financial Markets Authority (FMA) in New Zealand. We’ve been operating since 2004, and hold the highest credit rating with Dun & Bradstreet. Client funds are held in segregated accounts for your protection. Read our security of funds page for more information.
We don’t charge any transfer fees or additional costs outside of your agreed exchange rate. Once you agree an exchange rate with your account manager, that’s exactly what you’ll receive.
We like to get your money where it needs to be as quickly as possible. While the amount of time a transfer takes can depend on the currency, destination and receiving bank, the funds should be in your account on the same day or within no more than two working days for more exotic destinations.
We support transfer to 120+ countries in 40+ currencies, including AUD, NZD, GBP, EUR, USD, ZAR and more. Just let us know what you need to send, and we’ll take care of the rest.
Not at all. We support transfers of all sizes, from smaller everyday payments to large property purchases or business transfers.