RationalFX International Money Transfers

Send money worldwide and enjoy bank-beating exchange rates when you transfer funds overseas with RationalFX.

If you’re looking for a convenient and affordable way to send money overseas, RationalFX is an international money transfer provider that’s well worth a closer look. With competitive exchange rates and no fees on large transfer amounts, RationalFX allows you to send funds to more than 170 countries around the world.

You can take advantage of a range of order types, including everything from forward contracts to regular payment plans, and each transaction is backed by multi-lingual customer support.

Founded in 2005, RationalFX is based at Canary Wharf in London’s financial district and employs a team of 70 people. To date, it has helped more than 80,000 clients transfer more than US$8 billion around the world.

Product NameRationalFX International Money Transfers
Min. Transfer AmountGBP 100
Max. Transfer AmountNo limit
Transfer MethodsOnline, Phone, Bank Account to Bank Account
Transfer OptionsRegular payments, One off payments, Market orders, Forward contracts
Transfer Speed
Minimum transfer time
1 - 2 days
Banking PartnerRationalFX
Customer ServicePhone, Email
Online Transfer FeeGBP 4
Phone Transfer FeeGBP 0

RationalFX exchange rates

RationalFX offers competitive exchange rates that are regularly updated in line with changes to mid-market rates. It also guarantees that the rate quoted when you book your transfer is the rate you’ll get when your transaction is sent.

It’s free to get a quote for your next transaction via the RationalFX website. Alternatively, to view the current exchange rates on offer from RationalFX, you can phone the provider’s customer service line or research rates through your online account.

The table below shows RationalFX’s exchange rates as of 2:50pm (AEDT) on 30/05/17.

  • 1 AUD = 0.74 USD
  • 1 AUD = 0.58 GBP
  • 1 AUD = 0.67 EUR
  • 1 AUD = 48.01 INR
  • 1 AUD = 82.30 JPY

How much does it cost to transfer money with RationalFX?

If you transfer more than GBP£4,000 (or an equivalent amount in another currency), no fee applies to your transfer. However, transfers below this amount incur a GBP£4 fee. Fees also apply to smaller transfers sent in other currencies as outlined in the table below.

Transfer fee
Transaction less than GBP£4,000GBP£4
Transactions of GBP£4,000 or moreFree
Transactions less than EUR€5,000EUR€5
Transactions of EUR€5,000 or moreFree
Transactions less than US$6,000US$6
Transactions of US$6,000 or moreFree

Minimum transfer amount and available countries

There is £100 transfer amount required with RationalFX. However, you will need to transfer more than GBP£4,000 (or an equivalent amount in other currencies) if you want to avoid paying any transfer fees.

RationalFX allows you to send funds to more than 170 countries around the world. A full list of transfer destinations is available from the provider, but some of the currencies RationalFX allows you to transfer include the following:

  • AED
  • AUD
  • CAD
  • CHF
  • CZK
  • DKK
  • EUR
  • GBP
  • HKD
  • HRK
  • HUF
  • ILS
  • JPY
  • KWD
  • NOK
  • NZD
  • PLN
  • SEK
  • SGD
  • THB
  • USD
  • ZAR

What types of transfers can you carry out with RationalFX?

RationalFX provides the following range of transfer options to help you save time and money when sending funds overseas:

  • Spot transactions. Send an international money transfer straight away at the best exchange rate available at the time.
  • Regular payments. Save time and money by setting up a recurring payment schedule free of charge.
  • Forward contracts. Fix an exchange rate up to two years ahead of a transfer date.
  • Limit orders. Choose your preferred exchange rate and RationalFX will monitor the market 24 hours a day and automatically place the order when that rate becomes available.

If you ever need help with a transaction, RationalFX offers phone and email customer support as well as a handy online FAQ section.

The registration and transfer process

It’s easy to send an international money transfer with RationalFX. All you have to do is follow a few simple steps:

  1. Open an account. It’s quick and free to open an account by completing an online application form. You will need to provide your name, contact details, proof of ID and proof of address to get started.
  2. Book your currency. You can get a quote and book your currency online through your RationalFX account, or complete this step over the phone with your personal account manager.
  3. Pay for your transfer. The next step is to pay for your transaction by debit or credit card or by transferring money from your bank account.
  4. Send your money. RationalFX will securely transfer the money via SWIFT to your recipient’s bank account.

Most transfers are completed within 1-2 business days.

Pros and cons of using RationalFX


  • Competitive exchange rates. Get a free exchange rate quote to see how RationalFX’s rates compare with those offered by other money transfer providers.
  • Fee-free transfers. You will not have to pay any transfer fees or commissions if you send more than GBP£4,000 (or an equivalent amount in other currencies) overseas with RationalFX.
  • Send money around the world. RationalFX allows you to send money to more than 170 countries around the world.


  • No Australian customer support. RationalFX has offices in England, France and Spain, but none in Australia.

What other products and services does RationalFX offer?

  • Premier Service. This is RationalFX’s high-end currency transfer service for clients with high net worth. Customers who choose this option enjoy access to a Premier Account Manager who can provide a concierge-style service and expert advice to manage all your transfer needs.
  • Business transfers. From importing and exporting to paying overseas contractors and salaries, RationalFX offers a wide range of flexible transfer solutions for business customers.
  • IT solutions. RationalFX also offers a number of bespoke options to allow businesses to incorporate RationalFX’s services into their own website. These include integrating RationalFX’s payment platform into your website and integrating your own payment platform with the provider’s payment processing system.

Frequently asked questions about RationalFX

RationalFX offers a wide range of flexible features to suit anyone looking for an affordable way to send money overseas, so make sure to include it in your calculations when comparing money transfer providers.

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2 Responses

  1. Default Gravatar
    MARYJuly 21, 2017

    I have a question about RationalFX. When they say phone transfer, do they mean mobile money wallet? Do they have cash pick up option?

    • finder Customer Care
      RenchJuly 22, 2017Staff

      Hi Mary,

      Thanks for reaching out to us. Please note that we are not affiliated with RationalFX or any company we feature on our site and so we can only offer you general advice.

      RationalFX allows you to book currency transfers over the phone with your personal account manager.

      Please contact RationalFX directly to inquire further.


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