FC Exchange – Securely transfer money overseas in over 50 currencies

FC Exchange offers money transfer services at competitive exchange rates.

FC Exchange specialises in offering fast, secure and affordable online transfers to personal and business customers. Although based in the UK, FC Exchange also allows Australian residents to sign up and take advantage of its convenient money transfer service.

See FC exchange rates below

Rates last updated March 29th, 2017
Description Min. Transfer Amount Transfer Speed Services Online Transfer Fee Rate Amount Received
FC Exchange International Money Transfers
FC Exchange International Money Transfers
No transfer fee via online, branch or phone when transferring more than £10,000 or equivalent. GBP 3,000 1 day Online, Phone, Bank Account to Bank Account Go to site More

Please note: FC Exchange is only operational during UK hours. There may be delayed response should you decide to sign up with FC Exchange. 

With more than 25,000 money transfer clients, FC Exchange was established in 2005 and aims to offer exchange rates that are much closer to the interbank rate than what the major banks offer, generally saving customers up to 4%. It offers a Best Exchange Rate Guarantee, minimal transfer fees and has handled more than four billion pounds worth of international money transfers. It is authorised by the Financial Conduct Authority (FCA) as an Authorised Electronic Money Institution (AEMI).

To top it off, FC Exchange lets individuals and businesses send money around the world in 50 popular and more exotic currencies.

As a global currency specialist, FC Exchange purchases foreign currency at wholesale rates. And because it trades such large volumes of currency, it can offer you exchange rates that are clearly superior to those provided by banks.


The exchange rates are shown for indicative purposes only and are correct as of 3rd November 2016.

With a focus on offering exchange rates that are closer than bank transfer exchange rates to the interbank rate, FC Exchange also provides a Best Exchange Rate Guarantee. If you’re quoted a better exchange rate from another foreign exchange company, FC Exchange promises to beat that rate.

In order to view the current exchange rates available from FC Exchange, you’ll need to sign up for a free account. However, the FC Exchange website also offers useful currency exchange tools to help you find the current interbank rate.

AUD Comparison, September 2016

The following comparison shows how in September 2016, when exchanging AUD$250,000 into GBP you could save $16,613. The following comparison is based on previous surveys.

FC Exchange0.564$443,022 N/A
High Street Banks0.544$456,635$16,613
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How much does it cost to transfer money with FC Exchange?

FC Exchange offers a simple and transparent fee structure. If you transfer an amount less than £10,000 (or equivalent), a £10 fee applies. If you want to send £10,000 or more, you don’t have to pay any transaction fee. It’s also free to sign up for and maintain an FC Exchange online account, while other features such as forward contracts also don’t attract any extra commission.

Minimum transfer amount and available countries

As a general rule, FC Exchange only offers transfers of more than £3,000, but it does have the facilities to handle smaller amounts. There is no maximum transfer amount.

When you need to send money overseas, FC Exchange offers transfers in the following currencies:

  • UAE Dirham
  • Australian Dollar
  • Bahamian Dollar
  • Bahraini Dinar
  • Botswana Pula
  • British Pound Sterling
  • Bulgarian Lev
  • Canadian Dollar
  • Cayman Island Dollar
  • Chinese Yuan Renminbi
  • Croatian Kune
  • Czech Koruny
  • Danish Krone
  • East Caribbean Dollar
  • Euro
  • Ghanaian Cedi
  • Hong Kong Dollar
  • Hungarian Forint
  • Israeli Shekel
  • Indian Rupee
  • Jamaican Dollar
  • Jordanian Dinar
  • Japanese Yen
  • Kenyan Shilling
  • Kuwaiti Dinar
  • Sri Lankan Rupee
  • Mauritian Rupee
  • Mexican Peso
  • Nigerian Naira
  • New Zealand Dollar
  • Norwegian Krone
  • Ormani Rial
  • Russian Ruble
  • Saudi Riyal
  • Singapore Dollar
  • South African Rand
  • Swedish Krona
  • Swiss Franc
  • Thai Baht
  • Turkish Lira
  • Ugandan Shilling
  • US Dollar
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What types of transfers can you carry out with FC Exchange?

FC Exchange offers a variety of options for transfers:

  • One-off payments. A one-off spot transfer allows you to lock in a competitive exchange rate and send a fast transfer.
  • Forward contracts. This option allows you to fix your exchange rate for up to two years.
  • Limit orders. This allows you to set up an automatic transfer for when your target exchange rate becomes available on the market.
  • Market orders. This allows you minimise risk by targeting favourable exchange rates.
  • Regular payments. If you need to make regular transfers overseas, perhaps to pay off a mortgage, FC Exchange’s Regular Payment Facility helps you save time on your transfers.

If you ever have a question or require assistance with a transfer, FC Exchange offers a handy online FAQ section and detailed information on its website. It also has offices in the UK, South Africa and Cyprus, with phone (via freecall number for Australian customers) and email support available.

The registration and transfer process

To begin using FC Exchange services, you must first open an account. To open an account, you will need to provide your name, contact information and transfer requirements.

Once your provide your basic details, you provide transfer details such as such as the amount you’re sending, the currency you’re transferring, and where the money will be going. You will also have the option of placing a one-off transfer or using a forward contract or limit order to get the exchange rate you want.

You will then be given a chance to review the exchange rate and fee that will apply to your transaction. If you’re happy with the full cost of the transaction, submit your transfer.

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What are the pros and cons of using FC Exchange?


  • A wide range of available currencies. With support for 50 currencies, FC Exchange offers transfers to a huge range of destinations.
  • Flexible with many options. With forward contracts, limit orders and the option of setting up regular payments, FC offers flexible options to help you save time and money.
  • Offer of an Exchange Rate Guarantee. FC guarantees to beat the rate of another exchange company.


  • Not Australian based. FC Exchange is based in the UK and does not have any branches in Australia.

What other products and services does FC Exchange offer?

Business solutions

From foreign exchange dealing to online seller solutions, FC Exchange offers a wide range of currency services for businesses.

Have you got more questions?

Q. How much money must I send under a Regular Payment Plan?

You’ll need to send at least £500 per month to use this facility.

Q. Where is FC Exchange based?

FC Exchange is based in the UK in London, but Australian customers can use the company’s transfer service.

Q. What is the minimum amount I can trade?

FC Exchange usually doesn’t accept transfers of less than £3,000.

How long do transfers take to be completed?

Registering for an FC Exchange account takes just a few minutes. Transfer times vary depending on the currency you are transferring and bank cut-off times, but same-day transactions are possible in many cases. 

FC Exchange offers a convenient transfer alternative if you don’t want to accept a low exchange rate from your bank. Compare its features with the services offered by other money transfer companies so that you can find the right transfer solution for your needs.

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2 Responses to FC Exchange – Securely transfer money overseas in over 50 currencies

  1. Default Gravatar
    Kyle | June 7, 2016

    Hello Finder team,
    My family is transferring a lot of money from Canada into Australia in the next few months. In my due diligence – I am just looking to verify FC Exchange is a legitimate trader. I was hoping I could ask for your confirmation (which I would assume you would have from Your due diligence in writing these reviews).

    • Staff
      Shirley | June 7, 2016

      Hi Kyle,

      Thanks for your question.

      FC Exchange is a legitimate international money transfer services provider.

      Their registered office is located at Salisbury House, Finsbury Circus, London, EC2M 5QQ.

      They are authorised by the Financial Conduct Authority (FCA) as an Authorised Electronic Money Institution (AEMI) under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900205) in the United Kingdom.

      Hope this helps.

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