We used Smart currency exchange to transfer our money to Italy to complete our house purchase. Matt has been really helpful and we would definitely recommend Smart Currency Exchange to anyone sending... See more
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Heard about Smart Currency from Beau Villages and found them to be totally reliable and our house sale transfer of funds went ahead without any problems. Many thanks, especially to Rhys after his we... See more
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Being able to lock in a rate with Smart Currency Exchange took the unpredictability out of the sale of my house in France. Matthew Lane-Miller and his team were always readily available to give sound... See more
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I recently used Smart Currency to transfer money from Australia back to the UK. I dealt with Danny Cook and honestly couldn’t ask for more. Through an introductory phone call Danny explained the... See more
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Company details
About Smart Currency Exchange
Written by the company
All of your currency exchange requirements - covered.
Get a free quote
Speak to the currency experts.
Foreign exchange doesn’t have to be a hassle or a risk. Smart Currency make money transfers simple. Whatever your reason for sending money overseas, we will help you to take control of your currency transfers.
Trusted by over 50,000 customers to transfer more than £12 billion overseas - our currency experts are on hand to support you.
Smart Currency Exchange helps individuals and people transfer money overseas with confidence, clarity and control.
Whether you’re buying a property overseas, emigrating, managing regular payments or simply moving money between international bank accounts, we’re here to guide you every step of the way. Our experienced currency specialists take the time to understand your situation and help you make informed decisions, rather than leaving things to chance.
Our mission is simple: to help you reduce the risk that comes with currency fluctuations. Recent global events have seen currencies move by as much as 10% per-year, so transferring at the wrong time can lead to a significant impact on the amount you receive.
We provide practical tools and expert support to help you plan ahead and protect your budget.
Clients use us for a wide range of needs, including:
- Overseas property purchases
- Emigration and relocation
- Regular international payments such as pensions or mortgages
- Business transactions and supplier payments
We offer a range of services designed to give you greater control, including the ability to fix an exchange rate in advance, set up regular payment plans and receive market guidance to help you time your transfers more effectively.
With Smart Currency Exchange, you’re not just making a transfer - you’re making a well-informed decision with the support of a dedicated expert.
Contact info
1 Lyric Square, Hammersmith, W6 0NB, London, United Kingdom
- 020 7898 0541
- info@smartcurrencyexchange.com
- www.smartcurrencyexchange.com
Quick, easy and secure money transfers
4.8
Excellent
2K reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 100% of negative reviews
Typically replies within 24 hours
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Reply from Smart Currency Exchange
Hi Debbie,
Thank you for taking the time to leave your kind review. We're glad our customer service made things easy for you!
We look forward to helping you with all of your future transfer needs.
Best regards,
The Smart Currency Exchange Team
My experience led by Danny and Rory was…
My experience led by Danny and Rory was seamless from beginning to end. Our requirement was to fund a house purchase abroad. Danny and Rory provided a great service which instilled confidence. They did everything when they said they would. They will be my first choice for all future FX requirements.
1 April 2026
Reply from Smart Currency Exchange
Hi Terry,
Congratulations on your purchase!
Thank you for taking the time to leave your review of the service provided by Danny and Rory.
We look forward to helping with your next transfer soon.
Best regards,
The Smart Currency Exchange Team
Really great experience transferring…
Really great experience transferring large amount of money overseas.
27 March 2026
Reply from Smart Currency Exchange
Hi Alonso,
We're really pleased to hear you had a great experience with our service.
Thank you for taking the time to leave your kind words.
Should you have any more questions please don't hesitate to reach out. We look forward to working with you again on your next transfer!
Best regards,
The Smart Currency Exchange Team
First time using Smart Currency
First time using Smart Currency, Can't fault Matt and Rory for all their help and explaining the process. Seamless.
31 March 2026
Reply from Smart Currency Exchange
Hi D,
Thank you for taking the time to leave your review. We're so pleased to hear that Matt and Rory were able to offer a great experience.
We look forward to helping you with your next transfer soon!
Best regards,
The Smart Currency Exchange Team
Reply from Smart Currency Exchange
Hi Michael,
Thank you for taking the time to leave us a review. We're pleased to hear your transfer went seemlessly!
Best regards,
The Smart Currency Exchange Team
Reply from Smart Currency Exchange
Hi,
Thank you for leaving your review. We're glad to have been able to make your transfer a success!
Best regards,
The Smart Currency Exchange Team
Currency exchange with Smart Currency…
Currency exchange with Smart Currency is prolonged but assured on the basis on the information you provide and the skills of the professional you are dealing with
Camilla was diligent throughout the process and offered an exemplary customer service
26 March 2026
Reply from Smart Currency Exchange
Hi Noureddine,
We appreciate your kind words and the time you took to share your experience. We'll be sure to pass your kind words on to Camilla.
Thanks again, and we look forward to working with you again in the future.
Best regards,
The Smart Currency Exchange Team
Professional & courteous from start to…
Professional & courteous from start to finish. What they said they would do, they did. I have used several exchange service companies over the past 25 years, & Smart have out performed them all.
27 March 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Roger,
Wow, thank you so much for your review. We're so pleased to have been able to offer the best service!
We can’t wait to help with your next transfer soon.
Best regards,
The Smart Currency Exchange Team
Straightforward
Quick, efficient and professional.
Only minor issue was that I didn't receive the verification code sent to my mobile so we had to get on a call and arrange for the code to be sent to my email address.
Otherwise, all good and would recommend
24 March 2026
Reply from Smart Currency Exchange
Hi Deborah,
Thank you so much for taking the time to leave your review.
We're glad you had a good experience and apologise for the security issue!
If you can think of someone to recommend us to, you can earn rewards through our referral scheme: smartcurrencyexchange.com/tp-refer
We look forward to speaking again soon.
Best regards,
The Smart Currency Exchange Team
Very fast service 24 hours to get my money
You did very well it only took 24 hours for you to bring my Aussie dollars to the UK and change it into pounds I'm very happy with your service but I wanted to do another transaction Aussie dollars to Philippine pesos but your exchange rate is really really low so I'm giving you a mess and going with another company for that one
26 March 2026
Reply from Smart Currency Exchange
Hi Ken,
Thank you for your feedback.
We're so pleased to hear your transfer was completed rapidly and you were happy with the service.
We look forward to working with you again on future transfers!
Best regards,
The Smart Currency Exchange Team
The process was clearly explained
The process was clearly explained, and the money went through to France either efficiency.
19 March 2026
Reply from Smart Currency Exchange
Hi Sarah,
We're so pleased you were happy with our service and everything went smoothly.
We look forward to speaking about your next transfer soon!
Best regards,
The Smart Currency Exchange Team
Excellent service from the team and Rory
23 March 2026
Reply from Smart Currency Exchange
Hi,
We're so pleased you were happy with the service offered by the team and we'll be sure to pass your comments on to Rory.
Thanks once again, and we can’t wait to assist you again soon!
Best regards,
The Smart Currency Exchange Team
My experience with Smart Currency…
My experience with Smart Currency Exchange was great. The process was straightforward and everyone I talked to very friendly and helpful, and the exchange rate was good.
23 March 2026
Reply from Smart Currency Exchange
Hi Camille,
We appreciate your kind words and the time you took to share your experience. We're pleased to hear the team were helpful in getting your transfer completed efficiently!
Should you have any more questions please don't hesitate to reach out. If you know someone who would also benefit from our services, refer them to us and get rewarded! Visit: smartcurrencyexchange.com/tp-refer
Thanks again, and we look forward to working with you again in the future.
Best regards,
The Smart Currency Exchange Team
Quick and efficient transfer of £…
Quick and efficient transfer of £ sterling to Euros at good rate then efficient transfer of Euros to my overseas bank account.
19 March 2026
Reply from Smart Currency Exchange
Hi R.H.,
Thank you for taking the time to leave your review. We're delighted to hear you found the service helpful and we were able to quickly deliver your transfer.
We look forward to helping the next time you need to send money overseas.
Best regards,
The Smart Currency Exchange Team
Matthew did a great job leading us…
Matthew did a great job leading us through the process and answering our questions. We were very pleased with the process.
10 March 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Tina,
Thank you for your positive feedback. Great to hear that Matthew was able to guide you through the process and provide a good experience with your transfer.
We look forward to speaking again soon.
Best regards,
The Smart Currency Exchange Team
If you are a South African expat…Caution for South African Expats: Lack of Regulatory Due Diligence
If you are a South African expat planning a large currency transfer, I strongly advise exercising caution before engaging with Smart Currency Exchange. My experience, also supported by other views on this platform indicates that they rely heavily on verbal agreements over the phone to lock clients into contracts. Smart Currency did this to me too without conducting the necessary due diligence to ensure the transfer is legally viable under South African law.
The fundamental issue is that Smart Currency Exchange does not operate a local ZAR-denominated bank account in South Africa. Instead, they require clients to transfer funds directly into their offshore UK Barclays ZAR account. This setup caused the transfer to fail, despite the fact that I had fully complied with my obligations by securing my South African Revenue Service (SARS) tax clearance (TCS PIN) to legally remit the funds. Because the transfer exceeded the annual single discretionary allowance (ZAR 1 million), South African banks require funds to be converted to foreign currency before leaving the country. Consequently, my local bank formally declined to process the transfer, explicitly citing strict South African Reserve Bank (SARB) Exchange Control regulations regarding "Source of Funds" and third-party offshore restrictions.
When I informed Smart Currency Exchange of this regulatory block, they suggested I simply open a new local resident account. As a UK resident, this is legally impossible, as I cannot satisfy South Africa's FICA requirements for proof of local residence.
Despite providing written evidence from my bank detailing these legal constraints, the firm's compliance team was entirely dismissive, stating that understanding these banking regulations was "beyond our scrutiny." In my view, as an FCA-regulated broker, this demonstrates a severe failure in their Consumer Duty by selling a contract that was legally impossible to execute from my own accounts from the outset.
Rather than acknowledging that the transaction was frustrated by genuine regulatory hurdles completely outside of my control, they issued a "take it or leave it" ultimatum: find a way to settle the contract or face a substantial cancellation penalty. Faced with the threat of aggressive legal action, I was forced into a highly stressful workaround under significant duress.
Save yourself the distress. I highly recommend finding a broker that thoroughly understands international banking laws and can actually facilitate transactions through a localized South African bank account.
9 February 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Alan,
Thank you for leaving your feedback.
Your comments are being taken seriously and remain under review with senior members of our payments and compliance teams.
We're not able to discuss details of the investigation here, but our team will continue to be in touch privately to make good on this issue where possible.
Once again, we're sorry your experience with our service hasn't lived up to expectations.
Best regards,
The Smart Currency Exchange Team
They did everything they said and on…
They did everything they said and on time, very efficient service. They were recommended to me by an agent in France and delivered a reliable and honest transaction.
12 February 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Richard,
Thank you for taking the time to leave your review. We're so pleased you were happy with the service after being referred to us.
We look forward to helping you again soon.
Best regards,
The Smart Currency Exchange Team
Very Professional services with high…
Very Professional services with high availibility and reactivity.
I trulty recommend them
12 March 2026
Reply from Smart Currency Exchange
Hi customer,
Thank you for taking the time to leave your review. We're pleased you were happy with the service and response times of our team.
We hope to be able to help you again soon!
Best regards,
The Smart Currency Exchange Team
Reply from Smart Currency Exchange
Hi Katherine,
Thank you for your review. Great to hear everything went well with your transfer.
We look forward to helping you again soon.
Best regards,
The Smart Currency Exchange Team
Stress Free Currency Exchange
Used Smart Currency nine years ago so decided to use them again. Absolutely seamlessly easy. You speak to the same advisor, which is rare these days. The instructions are clear and easy to follow. Would highly recommend Smart Currency.
9 March 2026
Unprompted review
Reply from Smart Currency Exchange
Hi AM,
Thank you so much for coming back to us, We're so pleased you were happy with the service again.
We're proud to have a lot of our staff stay in the business for many years. Lots of the people involved in your transfer 9 years ago would have been involved again this time around!
If you think of someone to recommend us to, you can also earn rewards. Read more here: smartcurrencyexchange.com/tp-refer
Thanks again, and we look forward to working with you again in the future.
Best regards,
The Smart Currency Exchange Team
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