Frequently Asked
Questions

How are your exchange rates better than everyone else?

It's really simple. We never profit from exchange rates so ours are always the best in the UK. Instead we make our money from Premium Account fees.

Where does your foreign currency come from?

Our distribution centre in London only delivers A grade notes which have been security checked by a wholesaler such as American Express. Our distribution centre handles over £500m of trades each year and despatches hundreds of mail order items on their busiest days. They are regulated by the Financial Conduct Authority and registered with HMRC as a Money Service Business, ensuring our foreign currency service is fully compliant with all UK regulations and best practice. The actual provision of travel money (also known as "cash FX") is not regulated by the FCA.

Is the money for my currency purchase safe with you?

We process card payments through Worldpay, the world's largest online payment processor handling over 26 million transactions daily. They store your card details on their secure servers so we never see them. Once they have received cleared funds from your card issuer, those funds are paid straight to our currency supplier - often after the order has been despatched. Our brilliant technology means you can have the currency in your hands within just 20 hours of ordering it!

How do I know my foreign currency will arrive safely?

Our orders are picked and packed by a specialist mail order team at our London distribution centre operating under the most rigorous security conditions. All of our deliveries are made using Royal Mail Special Delivery with insurance to cover the whole value of the order from door-to-door. Royal Mail handle millions of special deliveries each week including cash and valuables, so you can be confident that your foreign currency will arrive safely and on-time.

How do I buy currency for home and work on the same account?

For Standard Accounts, orders can only be delivered to the account address that we have done the ID check against. Premium Accounts have greater flexibility and orders can be delivered to any UK address.

How do you make money from this?

We make no margin on the exchange rate, whether you buy $1 or €10,000. Our profit comes from running the membership organisation and from the Premium account fees you pay us to access our market-leading exchange rates and other membership benefits such a free delivery and our mobile app. That means we stay focused on ensuring your experience as a member is faultless and you renew with us again next year.

Why doesn't everyone else sell currency the same way?

Everyone in the cash foreign exchange industry makes their money the same way - by taking a margin on the conversion of sterling to the foreign currency. Some make a little, some make a lot, but they all make something - so the more they sell the more profit they make. It's therefore no surprise that existing providers choose to make big profits from exchange rates rather than small profits from membership fees!

Which countries do you sell currency for?

We sell currencies which - based on advice from the UK Government's Foreign & Commonwealth Office - cover 75% of worldwide destinations. The countries our currencies cover include: Afghanistan Akrotiri and Dhekelia Albania Andorra Angola Anguilla Antigua and Barbuda Armenia Aruba Australia Austria Bahamas, The Barbados Belarus Belgium Belize Bermuda Bolivia Bonaire Bosnia and Herzegovina Botswana Brazil British Indian Ocean Territory British Virgin Islands Brunei Burundi Cambodia Cameroon Canada Cape Verde Cayman Islands Central African Republic Chad Cocos (Keeling) Islands Comoros Congo, Democratic Republic of the Congo, Republic of the Cook Islands Costa Rica Côte d'Ivoire Croatia Curaçao Cyprus Czech Republic Denmark Djibouti Dominica Dominican Republic East Timor Ecuador El Salvador Eritrea Estonia Faroe Islands Fiji Finland France French Polynesia Gabon Germany Ghana Greece Grenada Guatemala Guinea-Bissau Guyana Haiti Hong Kong Hungary Ireland Italy Jamaica Japan Kiribati Kosovo Laos Latvia Lebanon Lesotho Liberia Liechtenstein Lithuania Luxembourg Macau Macedonia, Republic of Malawi Maldives Malta Marshall Islands Mexico Micronesia Moldova Monaco Montenegro Montserrat Mozambique Myanmar Namibia Nauru Netherlands[M] New Caledonia New Zealand Nicaragua Niue Northern Cyprus Norway Oman Palau Palestine Panama Papua New Guinea Peru Pitcairn Islands Poland Portugal Romania Saba Saint Kitts and Nevis Saint Lucia Saint Vincent and the Grenadines San Marino Seychelles Singapore Sint Eustatius Sint Maarten Slovakia Slovenia Somalia South Africa Spain South Sudan Sri Lanka Sudan Swaziland Sweden Switzerland Tajikistan Tanzania Thailand Trinidad and Tobago Turkey Turks and Caicos Islands Tuvalu Uganda United Arab Emirates United States Uzbekistan Vanuatu Vatican City Vietnam Zambia Zimbabwe. We may be able to source some unrestricted currencies on a "quote only" basis - please contact the support team for further information.

What about money laundering?

Money laundering, fraud and organised crime represent a huge threat to the UK economy, and we take very seriously our responsibility to prevent our service being exploited. That's why we employ state-of-the-art identity checks on every customer and implement strict purchasing controls such as single order limit, annual exchange limit and exchange frequency limit.

Are you regulated by the Financial Conduct Authority?

Our distribution centre in London is regulated by the Financial Conduct Authority as an Authorised Payments Institution and registered as a Money Service Business with HMRC. The actual provision of travel money (also known as "cash FX") is not regulated by the FCA.

Which currencies are available next business day?

Twenty currencies are available on a next business day basis with the remainder needing one additional business day. When placing an order, the app or website will clearly show the delivery date that applies to your chosen currency, along with any options that are available to you.
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