Currencyflow Detailed Review

Rates, Fees, Limits, Safety and More

Last updated: October 10, 2025

What is Currencyflow? An introduction

Currencyflow is a UK-based money transfer service built to make international payments simpler and more transparent. Instead of waiting for callbacks or discovering hidden charges, customers can see live exchange rates at the point of quote and know exactly what a transfer will cost. Each client is also given a dedicated account manager who can answer questions and guide the process from start to finish.

The company's promise is straightforward: competitive exchange rates, no transfer fees, and real human support whenever you need it.

Currencyflow may be a newer provider, but its protections mirror those of established firms. All payments are processed via FCA-authorized partners. Client money sits in separate safeguarded accounts, covered by the FSCS up to GBP 85,000, and additional security comes from two-factor login and fraud monitoring.

Currencyflow was set up to solve problems many people face when sending money abroad, such as slow responses or shifting quotes. Its service is built around four principles:

• Live rates that are shown immediately
• Clear pricing with a fixed margin included in the rate
• Dedicated support from an account manager
• Flexible communication by phone, email or WhatsApp - you choose what works best for you

Currencyflow is a money transfer company based out of the UK, striving to provide international remittances at competitive exchange rates and 0 fees.

What services does Currencyflow provide?

Currencyflow offers services for both individuals and businesses. These include:

• Instant live quotes
• One-off transfers for property, tuition or family support
• Regular payments such as mortgages or salaries
• Transfers scheduled for a future date
• High-value transfers with compliance support
• Business and freelancer payments
• Clear updates throughout the process

The focus is on secure bank-to-bank transfers, which makes it especially useful for medium to large payments.

Currencyflow offers various services related to international money transfers, with a bigger focus on medium to larger transfer amounts.

Which countries does Currencyflow operate in?

Currencyflow supports transfers in more than 35 currencies and operates in over 100 countries. Coverage includes major global corridors as well as a wide range of other routes for both personal and business payments.

Where can I send money from with Currencyflow?

You can send money from over 100 supported countries in more than 35 currencies. These include regions such as the UK, US, Europe, Asia, the Middle East, Africa and Australasia.

Where can I send money to with Currencyflow?

Recipients can receive funds in local bank accounts across more than 100 countries with support for over 35 currencies. Popular receiving regions include the UK, Europe, North America, Asia, Africa and the Middle East. The recipient does not need to open a Currencyflow account.

With Currencyflow, you can send money from and to over 100 countries worldwide in more than 35 currencies.

What are Currencyflow's fees and exchange rates?

How competitive the rate is will depend partly on the size of the transfer. Larger payments usually qualify for tighter margins, which makes them more cost-effective. This approach is common among specialist providers, but Currencyflow makes the margin clear upfront so customers know exactly what they are paying.

Currencyflow does not charge transfer fees. Instead, the cost is built into the exchange rate through a fixed margin.

Are Currencyflow exchange rates good?

Currencyflow’s rates follow the live market, with a fixed margin added. Larger transfers usually receive sharper pricing, so customers sending higher amounts often achieve the best value.

That said, we always suggest to our readers to always shop around and see what other remittance service providers are offering. More information will help you best choose a partner to send money with. When you compare money transfer providers, the chances of your getting the most benefit on your international money transfers increase significantly.

Whilst you can compare remittance companies manually, a quick and convenient way to do so is to rely on RemitFinder's online money transfer comparison engine. RemitFinder compares umpteen providers side-by-side to give you accurate and updated information about exchange rates and deals.

Is Currencyflow a cheap way to send money overseas?

For mid to large transfers, Currencyflow is highly competitive. With no transfer fees, clear margins and volume-based pricing, it can be much cheaper than using a bank.

For smaller remittances, however, a mobile remittance app may be more convenient.

How do I avoid Currencyflow fees?

There are no transfer fees to avoid. To make the most of Currencyflow's pricing, you can:

• Combine transfers where possible to qualify for better margins
• Set up regular payments for recurring obligations
• Speak with their account manager about timing larger payments

How much money can I send with Currencyflow?

There is no strict upper limit. Currencyflow handles transfers ranging from smaller personal payments to multi-million-pound transactions.

For very large amounts, proof of funds may be required, but the account manager will guide customers through the process.

Currencyflow does not impose any upper limit on the transfer amounts you can send with them. That said, legal or financial regulations may impose restrictions on how much you can send to certain countries.

How long does it take for Currencyflow to send money overseas?

Most transfers arrive the same day once funds have cleared in the safeguarded account. The exact timing depends on the currency, local banking hours and the destination country.

Updates are provided at each stage so customers always know the status of their transfer.

Most Currencyflow transfers finish within 1 day from the time you pay for your transfer.

How can I pay for my Currencyflow money transfer?

To be able to complete an international money transfer, you first need to send your funds in local currency to the money transfer company you choose. The mechanism to pay for your remittance transaction is called a payment method.

Customers fund their transfers by sending money from their own bank to their safeguarded Currencyflow account. Once the funds are received, Currencyflow converts the money at the quoted margin and sends it on to the recipient.

Currencyflow currently supports a bank transfer as their standard payment method. Simply send the funds to Currencyflow's account to fund your transaction.

Which payment method should I use to pay for my Currencyflow money transfer?

Currencyflow allows you to pay for your transfer via your bank account as their accepted payment method.

How can my recipient get paid with Currencyflow?

The method you choose to credit your overseas receiver is generally called a delivery method.

Currencyflow recipients are paid by direct bank transfer in their local currency. They simply need to provide standard account details such as IBAN, SWIFT or local equivalents. They do not need to register with Currencyflow.

Which delivery method should I use for my Currencyflow money transfer?

Currencyflow's standard delivery method is a bank transfer into the recipient's local bank account in their country. This is safe and secure, and all you need is the recipient's bank information.

Are there any Currencyflow coupon codes or promotions I can use?

Currencyflow does not currently offer public coupon codes or promotional discounts. Instead, it focuses on transparent pricing. The margin applied to the exchange rate is fixed at the time of quote, so while the market rate itself may move, the markup remains consistent.

If Currencyflow runs any offers or promotions in the future, we will add them on this page. Check this Currencyflow review periodically to ensure that you do not miss out on any future deals.

Whilst you can check for Currencyflow deals and discounts manually, doing so is time consuming. A better way is to sign up for the RemitFinder daily exchange rate alert. Our daily alert is totally free of cost; we will keep you posted on exchange rates and latest offers from many money transfer companies.

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How can I find Currencyflow near me?

Currencyflow is fully online so there are no branch offices or agent locations to go to.

Why should I go to an Currencyflow Sending Location to send money in person?

You simply pay for your Currencyflow transfer with your bank account, so there is no need to find a location to send money from.

What is the best way to find an Currencyflow Payment Location overseas?

Currencyflow recipients are credited directly into their local bank account in their country. Hence, they do not need to go to a payment location to pick up the funds.

Is Currencyflow a safe way to send money abroad?

Currencyflow transfers are handled by FCA-regulated partners. Your money is ring-fenced in safeguarded accounts, backed by FSCS protection of up to GBP 85,000.

Currencyflow also adds practical safeguards such as two-factor login and fraud monitoring.

Currencyflow implements safeguarding to ensure your money is held in a separate bank account and is always segregated from their operational funds.

Can I trust Currencyflow?

A major aspect of trusting a financial institution entails inspecting their legal and regulatory status in the countries of their operation. When it comes to Currencyflow, we notice the below pertinent information:

• Currencyflow is a UK registered company with Company Number: 16311354, and has its registered office at 2nd Floor College House, 17 King Edwards Road, Ruislip, London, United Kingdom, HA4 7AE.
• Currencyflow's international money transfer services are provided by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales with registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB) with license No: XCML00000151326. Sciopay Ltd is also authorized by the Financial Conduct Authority as an Authorized Payment Institution with Firm Reference Number: 927951.

Currencyflow is a UK registered company whose payment services are handled by Sciopay Ltd which is an autorized money service business registered in the UK and regulated by the HMRC.

How good is Currencyflow's service?

One of the most reliable ways to check if a service is good or not is to see what other customers have to say about it. We will do the same to see if Currencyflow's customers are happy with their service or not.

What do users have to say about Currencyflow?

In this section, we look into Currencyflow's ratings and reviews^ on popular review platforms and major mobile app stores to see what users think about their service.

• Currencyflow is not yet reviewed on Trustpilot.
• Currencyflow does not have a mobile app so there are no ratings and reviews on the Google Play Store and the Apple App Store.

^Ratings on various platforms as on October 10, 2025

Currencyflow is a new money transfer company and does not have any reviews on Trustpilot yet. The company does not have a mobile app, so there are no reviews on mobile app stores.

Have you used Currencyflow yet? If so, please consider leaving a review on RemitFinder so other users can benefit from your expertise and experience.

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Is Currencyflow the best choice for me?

Given our detailed analysis of Currencyflow international money transfer service and related aspects, it is clear that Currencyflow has many strengths. Here are some areas where we find Currencyflow standing tall in the international remittance use case:

• Competitive exchange rates: Currencyflow adds an FX margin on top of live mid-market rates and generally provides competitive exchange rates. The higher the transfer amount, the lower the margin is - this makes the transfer even more cheaper if you send larger amounts.
• No transfer fees: Currencyflow does not charge any transfer fees. Their operational costs and profit are built into the FX margin that they apply to the exchange rate that your transaction will be sent with.
• Dedicated account manager: Currencyflow will provide you with a dedicated account manager who will assist you with your international money transfers with them. This can be useful for high value or complicated transactions.
• No transfer limit: Currencyflow does not impose an upper limit on the amount of money you can send with them. That said, there may be limits imposed by government agencies or national banks in some countries.
• Same-day transfers in most cases: Once you fund your Currencyflow transaction, it generally finishes within one business day. This makes Currencyflow a fast way to send money overseas.
• Wide corridor coverage: Currencyflow has a wide coverage of over 100 countries and more than 35 currencies which make it suitable for multi-currency use cases like B2B payments, paying overseas employees, etc.

RemitFinder likes Currencyflow for providing a wide corridor coverage, competitive exchange rates, fee-free transfers, dedicated account managers, quick transfers and not imposing any upper limit on the amount of money you can send with them.

What are the best reasons to use Currencyflow?

Currencyflow's key advantages make it a very good choice for quite a few international money transfer use cases. Based on the in-depth analysis that we have conducted on Currencyflow's remittance service in prior sections of this review, we notice that it can be a great fit for many international money transfer scenarios.

Here are some examples where Currencyflow can prove to be a reliable ally for your next overseas funds transfer.

• If you send money to various countries, Currencyflow may be a good choice since they cover more than 100 global destinations and over 35 currencies. This makes Currencyflow a good choice for B2B payments or paying overseas employees in various countries.
• If you need to send larger amounts of money abroad, you might like Currencyflow since they do not impose any upper limits on the amount you can send in a single transaction. Note that governments, financial watchdog institutions or national banks in various countries may still enforce transfer limits.
• Currencyflow does not charge any money transfer fees. This means you save some money as compared to providers who do charge additional fees.
• Currencyflow's FX margin decreases as the transfer amount increases. This makes Currencyflow a good choice for large value transfers as you will get a better FX rate as compared to smaller value transfers.
• If you need to send money internationally quickly, Currencyflow can be a good choice since most of their transfers finish within 1 day after you fund your transaction with them.
• For complicated transactions or business transfers, it is often useful to have someone to interact with. If you prefer this, Currencyflow can be a good choice since you will get a dedicated account manager with them.

Currencyflow's strengths and advantages make it a very good choice for many money transfer scenarios for remitting money abroad for both individuals as well as businesses.

Currencyflow is a strong option for anyone who values live exchange rates, clear pricing and direct support.

It is particularly useful for property purchases, tuition payments, business invoices and other large transfers. For those who need cash pick-up or very small remittances, a different type of provider may be more suitable.

What type of transfers can I make with Currencyflow?

Currencyflow supports the following types of international money transfers:

• One-off transfers
• Recurring payments
• Date-specific transfers
• High-value transfers
• Business payments

What are various ways to send money with Currencyflow?

You can place your Currencyflow international money transfer orders in a variety of ways that include the below options:

• Request and confirm a quote online
• Work with your account manager via phone, email or WhatsApp
• Automate recurring transfers with a set schedule

How to send and receive money with Currencyflow?

It is quick and easy to send money internationally with Currencyflow. In fact, the whole flow from start to finish can be completed on any of Currencyflow's channels to send money with in just a few minutes. Check out the section below for the exact steps needed to do an overseas money transfer with Currencyflow.

Step by step guide to send money with Currencyflow

With Currencyflow, sending money overseas takes only a few clicks. Here are the steps you need to undertake to finish an end-to-end money transfer with Currencyflow:

• Step 1: Decide if you want to send your next money transfer with Currencyflow. With the recent explosion of money transfer operators, it may seem daunting to even choose who to go with. One helpful way to reach a decision is to compare various money transfer companies using RemitFinder's real-time money transfer comparison platform. RemitFinder does all the heavy lifting to assist you to easily compare the relative strengths and weaknesses of many remittance companies side by side. This can really help you to narrow down the choices that meet your selection criteria and therefore, help you to select who to go with.





• Step 2: Request a quote. Once you have decided that you want to go with Currencyflow, request a quote and view the live rate.
• Step 3: Confirm the FX rate. Confirm the exchange rate quoted by Currencyflow if you are happy.
• Step 4: Open your account. Open your account and complete onboarding with help from your account manager.
• Step 5: Fund your transaction. Fund Currencyflow's safeguarded account with the transfer amount by bank transfer. Currencyflow will convert the money at the agreed margin and send it on to the recipient.
• Step 6: Track your transfer. Track the payment through updates until delivery is confirmed.

It is quick and easy to send money overseas with Currencyflow.

Here are some additional tips to make your Currencyflow transfer process smooth:

• Have recipient details ready; you will need their name, address and bank information.
• For large value transfers, be prepared to show proof of funds.

How can Currencyflow help me send money?

Currencyflow combines live rates, clear margins and account manager support to make international bank transfers easier and more transparent.

Do I need a Currencyflow account to receive money?

The recipient of a Currencyflow money transfer does not need a Currencyflow account to receive the funds. This is because Currencyflow will simply deposit the money in the recipient's local bank account in their country.

Does Currencyflow have a mobile app?

Currencyflow does not have a mobile app at this time.

How do I track my Currencyflow transfer?

You get updates as the transfer moves along. One when the money arrives, another when it has been converted, and a final one once the funds are delivered. If you want to check sooner, your account manager can give you a real-time update.

Can I use Currencyflow for international bank transfers?

Yes. Bank-to-bank transfers are Currencyflow's core service.

You fund Currencyflow's safeguarded account, Currencyflow converts at the agreed margin, and the recipient receives the money directly in their bank account overseas.

Is Currencyflow online better than sending money in-person in stores?

Currencyflow is online only so there are no branch offices or agent locations to go to for sending money in-person.

Does Currencyflow have a rewards program?

Currently, Currencyflow does not have a rewards program. If that changes in the future, we will update this detailed review with that information.

What customer support options are available with Currencyflow?

In case you need any help with your Currencyflow money transfer, or have any other general questions, you can contact the Currencyflow customer support team.

There are many easy ways to get in touch with Currencyflow customer support as below:

• Phone: +44 (0) 20 4578 9570
• WhatsApp: +44 (0) 20 4578 9570
• Email: hello@currencyflow.com
• Live chat on their website

You can get in touch with Currencyflow's customer support via phone, email, WhatsApp or live chat on their website.

Can I cancel my Currencyflow transfer?

If you have not yet funded your transaction, you can cancel anytime. For transactions that have been funded and not completed yet, get in touch with Currencyflow's support team asap for cancelation options.

If your transfer has been completed, it cannot be canceled.

How do I delete my Currencyflow account?

If you wish to delete your Currencyflow account, get in touch with their support team for assistance.

Additional Information

Legal and Regulatory Compliance

Currencyflow works in partnership with Sciopay, an institution authorized by the FCA with registration number 927951. Client funds are kept in segregated accounts and are covered by the FSCS up to GBP 85,000.