Overseas Money Transfers Made Simple - By Excel Currencies, Dartford, Kent
Moving money across borders has never been more common. Between property purchases abroad, supporting loved ones, funding education, and paying international suppliers, overseas money transfers have become a routine part of modern life for individuals and businesses alike. Yet with so many providers on the market, choosing the right one - and understanding what actually affects your total cost - can feel overwhelming.
Excel Currencies has been helping customers with overseas money transfers since 2004. In this guide, we break down how transfers work, what to look out for, and how to make sure you're getting genuine value every time you move money abroad.
What Are Overseas Money Transfers?
An overseas money transfer is simply the process of moving funds from one country to another, usually involving a currency conversion along the way. This could be a one-off payment, such as a deposit on a property, or a recurring transfer like a pension or salary payment. The method you choose, and the provider you trust, will directly affect the exchange rate you receive, the fees you pay, and how quickly your recipient gets their funds.
Common Reasons for Overseas Transfers
- Purchasing property or land abroad
- Emigrating and setting up a new life overseas
- Paying school or university fees
- Supporting family living in another country
- Making international payments for goods, services or business operations
Choosing Between Banks and Specialist Providers
Traditional banks are a familiar choice, but they often build a hefty margin into the exchange rate on top of any stated transfer fee - this can quietly cost customers far more than expected. A specialist provider, by contrast, exists purely to manage currency risk and deliver international currency transfer services at a fairer rate, with the added benefit of a dedicated account manager who understands your situation.
This is exactly the gap Excel Currencies fills. We combine competitive, transparent pricing with real customer support - you'll always be able to speak to someone who can explain your options and help you time your transfer well.
Ways to Transfer With Excel Currencies
We offer flexible ways to convert and move your money, depending on your timeline and goals:
- Spot Transfers - convert and send funds quickly, often within 2 hours
- Forward Contracts - secure today's rate for a payment you need to make months from now, with our team acting as your trusted forward contractor
- Market Orders - set your target rate and we'll execute automatically when the market reaches it
- Regular Payments - schedule recurring international transfers with a simple standing order
- Multi-Currency E-Wallet - hold balances in 35 different currencies and transfer whenever suits you best
What Makes a Transfer Provider Trustworthy?
When you're arranging international money transfers, security has to come first. Excel Currencies is authorised and regulated by the Financial Conduct Authority (Ref: 911228) and registered with HM Revenue & Customs as a Money Services Business. Client funds are safeguarded in dedicated accounts, separate from company operating funds, in line with FCA requirements - giving you genuine peace of mind with every overseas money transfer you make.
We've now completed over 200,000 payments across 135+ countries for more than 40,000 registered clients, maintaining a 4.9-star rating on Trustpilot along the way.
Understanding the True Cost
Fees are only part of the picture. The exchange rate margin a provider applies often has a far bigger impact on how much your recipient actually receives. Excel Currencies charges no transfer fees on standard payments and works to secure rates that can save customers up to 90% compared to typical bank charges - helping every transfer, large or small, go further.
How to Get Started
- Sign up online in minutes - it's free and there's no obligation to trade
- Speak to your dedicated account manager about your goals and timeline
- Choose the conversion option that suits you: spot, forward, or market order
- Send your funds via bank transfer and we'll release your payment the same day
Move Your Money With Confidence
Don't let banks quietly eat into your transfer with poor rates and hidden charges. Whether you need to send money abroad for a property purchase, tuition fees, or ongoing family support, Excel Currencies gives you better rates, real people, and total peace of mind.
Sign up for free today or call +44 (0) 1322 221 121 to speak to our team.
Frequently Asked Questions
What is the cheapest way to do an overseas money transfer? Specialist FX providers like Excel Currencies typically offer better exchange rates and lower fees than high street banks, making them the more cost-effective option for most transfers.
Can I secure an exchange rate in advance? Yes. Our forward contracts allow you to lock in a rate now for a transfer you'll make at a later date, protecting your budget from currency fluctuations.
How many countries can Excel Currencies send money to? We've made payments to over 135 countries worldwide, for both personal and business customers.
Is my money protected during the transfer? Yes. As an FCA-authorised provider, we hold client funds in safeguarded accounts separate from company funds, in full compliance with FCA regulations.
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