Smart Currency Exchange Reviews 2,140

TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Considering 213 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their professionalism, helpfulness, and friendly demeanor, making the process smooth and reassuring. The service is frequently described as excellent, efficient, and reliable, with many appreciating the clear communication and ease of transferring funds. People also highlight the seamless payment process and the secure user experience, which instills confidence, especially when dealing with large sums of money. However, some customers noted occasional issues, such as a delay in receiving payment or a lack of follow-up on a query. A few other people also felt that the exchange rates offered were not as competitive as those from other companies, and some experienced difficulties with bank transfers due to unclear information about the destination account.

What people talk about most

Staff

People report positive experiences with staff, consistently praising their professionalism, helpfulness, and... See more

Service

Reviewers highlight positive aspects of service, consistently praising its efficiency, professionalism, and... See more

Payment

Customers consistently note positive experiences with payment, highlighting the straightforward and easy... See more

Customer service

Users describe positive interactions with customer service, highlighting the helpfulness and professionalism... See more

User experience

Reviewers mention positive feedback about user experience, highlighting how easy and straightforward the... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

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

Company replied

Rated 5 out of 5 stars

The service we have received from Matt in the process of selling our French houses and bringing the funds back to a UK account has been efficient and exemplary. Matt talked us through each step, kept... See more

Company replied

Rated 5 out of 5 stars

First time I've used this service . I was very apprehensive as I am not good with technology and always scared of being scammed . Sailed through with very few hiccups. Member of staff that I talked to... See more

Company replied


Company details

  1. Currency Exchange Service
  2. Money Transfer Service
  3. Non-Bank Financial Service
  4. Payment Service

About Smart Currency Exchange

Written by the company

All of your currency exchange requirements - covered.

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Smart Currency Exchange


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

Quick, easy and secure money transfers

Trusted by over 50,000 customers to transfer over £12 billion overseas

4.8

Excellent

TrustScore 5 out of 5

2K reviews

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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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Rated 5 out of 5 stars

Well done Rhys!

What I liked about the guy who dealt with my transfer was his persistence! He also upped his offer in line with Wise which I thought was okay. He just kept keeping in contact annoying at first but then grateful when it came to the transfer as I needed someone skilled with the money transfer.
Many thanks Rhys!!

October 22, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi MRM,

Thank you for taking the time to leave your review.

We're so pleased that we were able to help with your transfer. When we're certain we can help, keeping in touch can be so important to ensure we are top of mind when the time to transfer comes around.

We look forward to helping you again soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Great process, great people, great service

India and Danny have been great. Moving currency may be easy for millionaires but was my first time and I needed hand-holding. The service was explained and they kept in touch, without pressure, to see how things were going. Because they were first in memory I kept going back to them with questions. On the day of sending the money I called with the current market rates and got a great rate. The process was simple, clear and above all safe.
Great process, great people, great service would be my summary

October 20, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Mark,

Thank you for your kind feedback. We're so pleased you had a good experience with India and Danny.

We can also help with smaller or regular payments too, so please keep us in mind any time you have any questions or the need to send money abroad.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

A Smart Move

I live in the US and was buying a house in France when Smart Currency Exchange was recommended to me. They made the transaction from dollars to Euros, fast and seamless. Rory was the trade manager I worked with. He was very helpful in explaining the costs and benefits of working with SCE. The fluctuation in currency prices can make transactions abroad more costly than they need to be, whether in lost interest or rate of exchange. Knowing the details of the exchange is important. When a money wire I sent came in late they stayed in the office to make sure it got to the notary on time. I will be using them in the future and recommending them to friends.

October 1, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Susanne,

Congratulations on your property purchase!

Thank you for taking the time to leave your review of the service you received. I'm so pleased to hear Rory was able to offer a great experience.

If you do know someone who might be interested in our services, don’t hesitate to refer them via our referral scheme: smartcurrencyexchange.com/tp-refer

We look forward to helping you again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Informative, helpful, easy to use

I was moving abroad and needed to convert a large sum of money at a particular point in time, but was never quite sure when that time would be (house sale and purchase is always tricky and uncertain). Danny Cook was my main contact and he really took the time to explain all my options and made sure I understood exactly what I had to do and when. Everything went really smoothly and effortlessly from there on, and it was super-easy to set up the payments online myself afterwards.

September 28, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Marina,

Congratulations on your move!

We're so pleased to hear everything went smoothly and that we could support you on this part of your journey.

We look forward to helping you with your ongoing payments and will be sure to pass your kind words on to Danny.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Thanks to all who helped with my…

Thanks to all who helped with my journey. You listened, acted, followed up, respectful.
I’d highly recommend them.

October 1, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Scott,

Thank you for your lovely review. We're so pleased to hear you had a good experience with us.

We look forward to working with you again in the future.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Proactive, responsive and professional service

The entire team at Smart Currency Exchange is awesome to work with. I primarily interacted with Rory H. He is very proactive and responsive throughout the process. There is a huge peace of mind knowing I’m talking with another genuine human rather than a robot. Keep up the great work team !

September 30, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Raj,

We’re delighted to hear that you had a good experience with our service and with Rory.

Customer service is so important to us, and we really appreciate your kind words. We'll be sure to pass your comments on to the team.

If you ever need further assistance, we'd be happy to help.

Thank you again and we hope to speak with you soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Rory was incredible and kept me updated…

Rory was incredible and kept me updated and explained the process to me in a way I could understand. At 82 and not being technical this is difficult in today, but Rory went above and beyond explaining any worries I had. Thank you Rory.

September 16, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Brenda,

Thank you so much for taking the time to leave your lovely review. We really do appreciate it.

I'm so pleased that Rory was able to help, while explaining things along the way. We understand it can be a daunting task for people, especially when entrusted with significant amounts of money.

Should you have any questions, please don't hesitate to reach out. Thanks again, and we look forward to working with you in the future.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Excellent prompt service

Excellent prompt service. Made my purchase of my house very easy.

September 21, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Dave,

Thank you for your review. We're glad we could help with your property purchase!

Did you know we can also help with smaller or regular transfers too? As well as specialising in large (often property) transactions, you can use your account with us any time you need to transfer money abroad. You may find it helpful for those post-purchase things that need some money transferred between accounts!

We hope to speak again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Spanish dream

I was assigned to Matthew Lane-Miller to do some currency exchange and help us through the process buying a property in Spain , he went above and beyond in helping us and made us feel comfortable we’d 100% rate you’re and his personal services to anyone who needs it , thanks you guys again and Matt you’re a legend

June 10, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi David,

Congratulations on your property purchase!

Thank you for your positive feedback. It's great to hear that you had a good experience with Matthew.

If you know someone who could use our help, you can earn rewards through our referral scheme: smartcurrencyexchange.com/tp-refer

Thanks again, and we hope to speak soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Professional service

Used smart money when we found property whilst in Spain.They organised the deposit in a very quick and professional manner.Danny cook talked me through a advanced booking rate to avoid currency fluctuations. We did this for the remaining money and this saved me around £3k....Danny was very knowledgeable and professional in answering all my questions and concerns. Won't be going anywhere else for future transactions.

August 1, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Andrew,

Thank you so much for taking the time to leave this lovely review. We're delighted to hear that we were able to save you some money on your transfers.

We look forward to helping you again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Confidence-inspiring large currency exchanges

Dealt with a couple of guys but most recently with Matthew LM.
He understood my needs and facilitated my exchanges effortlessly whilst keeping me abreast of market moves and doing everything he could to help me achieve the best rates.
Fully recommend and happy with their service.
A++++

September 4, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Gary,

We're so pleased you were happy with the experience you had with Matthew. Thank you for taking the time to leave your review.

We look forward to helping you again soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Matt Lane-Miller was very efficient and…

Matt Lane-Miller was very efficient and professional and a reassuring presence throughout my recent transaction selling property abroad.
I have been a client of Smart Currency for some time and really recommend their services.

September 3, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Tony,

Thank you firstly for being such a loyal client... and secondly for taking the time to leave your lovely review!

If you do think of anyone who might be interested in our services, don’t hesitate to refer them via our referral scheme: smartcurrencyexchange.com/tp-refer

Thanks again.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Property purchase

Having recently agreed a purchase on an apartment in Spain I was introduced to Smart Currency by my Estate Agent that has been in business for many years. Even so transferring a considerable amount of money these days is always a worry and being cautious I wanted to make multiple transactions to reduce my exposure. My account manager Rhys Nicklin has been excellent. He was very informative from the beginning and detailed my options with currency rates and transfers. I actually made six transactions and was phoning Rhys very early in the day each time to ensure the funds were transferred as soon as possible. Rhys was super efficient and if he was not available which was rare always phoned me straight back and this efficiency made me feel much happier with this process. I would certainly recommend Smart Currency.

September 3, 2025
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Trevor,

Thank you for taking the time to leave your kind words.

We don't take it for granted that we are dealing with our customers' hard-earned money and these things can be daunting. We're so pleased that Rhys was able to support your transfers in the way that made you feel most comfortable.

If you ever need further assistance, we'd be delighted to help.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

personalised service, highly professional

Rhys Nicklin nursed my transaction through a really problematic and prolonged process, hugely complicated by hurdles introduced by my German banker. He was very supportive and professional throughout, actively facilitating measures to make it all happen without additional cost to me, and at the best possible rate. Throughout, it felt like a personalised service, he minimised the stress for me and made it all go smoothly. I shall always use this company for future transactions and I highly recommend it.

August 22, 2025
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Reply from Smart Currency Exchange

Hi Hester,

Thank you so much for taking the time to leave this lovely review. We're delighted to hear that we were able to offer a great service and we'll be sure to pass your kind words on to Rhys.

We look forward to speaking again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

I recently used this company to do a currency exchange

I recently used this company to facilitate a currency transaction. They were friendly, efficient, knowledgeable and gave great customer service. A very positive experience and would definitely use them again. Special call out to Rory Halloran and Macy Wallis who gave exceptional service

June 30, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Anthony,

Thank you for taking the time to leave your review.

We're so please to hear you've had a great experience with Macy and Rory. We'll be sure to pass on your kind words.

We very much look forward to helping you again in the future.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Professional, efficient, trustworthy

Myself and my wife decided to retire in Spain. We found a beautiful villa to purchase and started on the process of aquiring a Spanish Non Lucrative Visa. That was 12 weeks ago and the emotional roller coaster began. An important aspect of the purchase was converting our stirling funds into Euros. After alot of research, we chose Smart Currency Exchange, to say this company is good is a total understatement. I cannot express enough our gratitude to the company and especially to our designated account manager, Danny Cook. Danny's knowledge, professionalism and attention was an inspiration and gave us the confidence to entrust our life savings to a process that was going to give us a new life. With Danny's guidance we purchased a forward contract at a fixed rate that guaranteed our Euro funds when required. Not only did this give us peace of mind but as it turned out the conversion rate did change and meant that if we hadn't entered the contract, our funds would have dropped by 10,000 euros, another thank you Danny. As I write this heatfelt review, the remainder of our funds were transferred to Spain 6 days ago by Danny (arrived same day), passports with visa arrived yesterday, our villa purchase completes tomorrow, and in 4 days we fly to Spain to start our new life.
Again, thank you Danny and Smart Currency Exchange.

August 7, 2025
Unprompted review
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Reply from Smart Currency Exchange

Wow, congratulations Gary!

Thank you so much for your lovely words. I'm so glad that Danny was able to support you on your journey... and the added bonus that you were able to save so much with your forward contract.

We wish you and your wife the best of luck and a happy retirement. We hope to speak again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Extremely efficient

A very positive experience right from the first contact. Took the advice given to forward purchase euros for property purchase in Spain which meant I knew exactly how much was needed when the time came. Rate obtained was better than expected too! Danny was very helpful and supportive the whole way through and I can’t praise them enough. I will be using them again in the future

July 5, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Christine,

THank you for taking the time to leave your lovely review.

We're so glad to hear that you enjoyed the peace of mind that a forward contract can bring! I'll be sure to pass on your kind words to Danny.

Thank you again and we look forward to helping with your next transfer.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Nikita Jagita is superb at her job and…

Nikita Jagita is superb at her job and has made engaging with Smart Currency Exchange painless for me.

August 6, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi J,

Thank you for your kind words about your experience with Nikita and we're glad we were able to help.

We look forward to helping with your next transfer.

Best regards,
The Smart Currency Exchange Team

Rated 4 out of 5 stars

Reliance

With all the Complexities & never ending constructs and dismissive situations it is a mountain to climb. The resilience needed is off the scale.

You need people you can depend upon,- helpful people, with vision, are a godsend .Thankyou India

July 23, 2025
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Reply from Smart Currency Exchange

Hi Jan,

Thank you for your kind words. We have passed your comments on to India and the team.

We look forward to helping you again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Amazing service

We have used Smart Currency Exchange twice in the last few months in the process of buying a house in France. First to transfer the deposit to the French Notaire and secondly this week to transfer the remaining balance. Throughout the whole process Smart Currency Exchange and Baillie Malyon who was our account manager have been amazing. Great customer service, he explained the whole process to us and was happy to answer all our questions. Baillie was at the end of the phone or email whenever we needed to check something. In both instances the money was transferred into the Notaires account within 24 hours. Thank you so much Baillie and Smart Currency Exchange , you have been brilliant.

July 22, 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Mari,

Thank you so much for taking the time to leave your lovely review.

Great to hear that the process of transferring money through Baillie went smoothly. We've passed your comments on to the team!

We look forward to helping you again soon.

Best regards,
The Smart Currency Exchange Team

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