Smart Currency Exchange Reviews 2,134

TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Evaluating 215 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their professionalism, helpfulness, and clear communication, making complex processes easy to understand and manage. Many highlight the exceptional service, noting the efficiency of money transfers, fair exchange rates, and the secure, user-friendly online portal. Reviewers frequently commend the customer service, appreciating the personalized support, quick responses, and the ability of staff to instill confidence during transactions. However, some customers also noted issues with payment processing, experiencing delays in receiving funds or difficulties with bank transfers due to unclear reference numbers. A few other people also felt that the company's understanding of international banking regulations was insufficient, leading to complications with transactions that could not be completed due to regulatory issues and unexpected cancellation penalties.

What people talk about most

Staff

Clients share positive opinions on staff, consistently highlighting their professionalism, helpfulness, and... See more

Service

Users describe positive interactions with service, highlighting its reliability, professionalism, and... See more

Payment

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

Customer service

Reviewers highlight positive aspects of customer service, with many praising the helpfulness and... See more

User experience

People report positive experiences with the user experience, finding everything easy and straightforward.... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Right from the first enquiry SCE were on the ball. Nothing was too much trouble, my trade manager Matthew handled the transaction brilliantly and took time to answer my million questions. It's always... See more

Company replied

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

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

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


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.

Get a free quote

Speak to the currency experts.


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

5-star
4-star
3-star
2-star
1-star

Asks customers to review

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

Good efficient service

Good efficient service. The agent was brilliant, helpful and contactable. The transfer rate was better than my banks.

May 1, 2026
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Colin,

Thank you so much for taking the time to leave your review. We're so pleased to hear you were happy with our service.

We look forward to helping you again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Very happy with the help and planning…

Very happy with the help and planning beforehand. The transaction was done on time and all went smoothly. Thank you!

April 28, 2026
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Angela,

Thank you for taking the time to leave your review. We're pleased to hear everything went smoothly!

We look forward to helpign with your next transfer soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Masterful knowledge, friendly assistance

From the very beginning of my association with SMART I was not only impressed by their patience and knowledge, but also much admired and welcomed the way in which colleagues saw me through quite complicated matters, especially in the more specific technical/technological issues that, at my age, are not so easily absorbed. Thank you very much. I unreservedly recommend SMART.

April 28, 2026
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Reply from Smart Currency Exchange

Hi Christopher,

Thank you so much for taking the time to leave this lovely review. We're delighted to hear that you had a good experience with us.

If you think of any friends or family who might also benefit from this kind of service, you can refer them directly through 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

Danny was really helpful and the money…

Danny was really helpful and the money was sent through with no problems. I was impressed with the service

April 24, 2026
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Reply from Smart Currency Exchange

Hi Vicky,

Thank you for your kind feedback. Great to hear you had a good experience with our service and with Danny.

If you have any other queries or questions, please reach out to our team. If you know someone who might be interested in our services, refer them to us and earn rewards: smartcurrencyexchange.com/tp-refer

Thanks again, and we look forward to speaking soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

A pleasure to deal with this company in…

A pleasure to deal with this company in uncharted territory for us.
Rhys took us through it all, and Rory helped too at the end.
What at first seemed a hazardous trail for us in repatriation our monies turned into almost a cakewalk.
Thank you!

April 29, 2026
Unprompted review
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Reply from Smart Currency Exchange

Hi Derek,

We’re delighted to hear that we were able to make the process easy for you.

We'll be sure to pass your kind words on to Rhys and Rory. They'll be delighted.

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

Arron is 5*

Arron is 5*
From start to finish Arron has been excellent. He got me a good rate, helped me set up our account and held my hand through the whole process to a successful conclusion. I highly recommend Arron and Smart Currency.

April 28, 2026
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Michael,

Once again, we're so pleased to hear you had a good experience with Arron. We'll be sure to pass on your kind words.

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

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Spanish Property Sale

My experience with Smart Currency Exchange was first class i could not have hoped for better and having Alastair Archbold to manage my account was an absolute pleasure,
He handled all the money details of my
Property sale from Spain to the UK so well, That i now know why you are called
Smart Currency.
Kind Regards
Kelvin Webb

April 28, 2026
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Reply from Smart Currency Exchange

Hi Kelvin,

Firstly, congratulations on your property sale!

Thank you so much for your feedback. We're really pleased to hear you were happy with how your transfer went and the service Alastair provided.

If you know someone who could also use our help, remember to refer them through our scheme and get rewarded: smartcurrencyexchange.com/tp-refer

Thanks again, and we hope to speak again soon.

Best regards,
The Smart Currency Exchange Team

Rated 4 out of 5 stars

Smart did everything they said they…

Smart did everything they said they would do. Offered advice when I needed it and kept me informed. I would use them again if I needed to and would recommend them to others.
Thank you

April 23, 2026
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Reply from Smart Currency Exchange

Hi Shirley,

Great to hear that everything went well with your transfer and you had a good experience with the service.

If you have someone to recommend us to, you could earn rewards through our refer-a-friend scheme! Visit: smartcurrencyexchange.com/tp-refer

Thanks again, and we look forward to working with you again in the future.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

I have found them to very professional…

I have found them to very professional at all times . They keep in regular contact , and have already helped me greatly with one transaction, Alistair in particular.

April 21, 2026
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Reply from Smart Currency Exchange

Hi David,

Thank you so much for taking the time to leave your review. We'll be sure to pass your comment on to Alistair.

We look forward to speaking again soon to help with any future transfers.

Best regards,
The Smart Currency Exchange Team

Rated 3 out of 5 stars

Technical Hitch

The personal service was much appreciated, but the exchange rate didn’t match my usual service provider.
Also there was a technical problem which delayed my transaction going through.

April 22, 2026
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Reply from Smart Currency Exchange

Hi Brian,

Thank you for taking the time to leave your review.

We're sorry to hear you were unhappy with the exchange rate at the time of your transfer.

If you have any further questions about your transfer, our team would be more than happy to help. You can reach them on 020 7898 0541.

We hope to be able to help with another transfer in the future.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

I have never made a currency exchange…

I have never made a currency exchange before & felt completely out of my comfort zone.
From the first communication I was assured the support was there for me. My trader checked in with me throughout the process which I have now completed.
I would not hesitate in recommending smart currency, they were most professional in all aspects.

April 27, 2026
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Reply from Smart Currency Exchange

Hi Linda,

Thank you for taking the time to write this review.

We're so pleased to hear we were able to reassure you during the process and that you were happy with the service.

If you have someone to recommend us to, you can earn rewards for every successful referral. Visit: smartcurrencyexchange.com/tp-refer

Thanks once again, and we can’t wait to assist you again soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

I have been using Smart Currency…

I have been using Smart Currency Exchange for around 4 years now. With the purchase of a villa back in 2022 and recently this month April 2026 for the sale. This company is outstanding with exceptional staff. Callum Hyams-Parish has been my advisor throughout the whole process. He’s been incredibly processional, fantastic communication, friendly, supportive and a pleasure to do business with. It’s very important that you trust the person you are sending hundreds of thousands of pounds to as it can be quite stressful but Callum has been brilliant. I highly recommend this firm and its advisors.
Thank you for all your help.

April 8, 2026
Unprompted review
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Reply from Smart Currency Exchange

Hi Daniel,

Thank you so much for your review. And thank you for thinking of us again when it came to the sale of your property.

Congratulations on everything going through. We'll be sure to pass your kind words on to Callum and we hope to be able to help you again soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Very easy transaction with professional…

Very easy transaction with professional and helpful trader, Rory, who guided me through how to get started. Setting up payment and transfer a doddle even for someone not that conversant with tech. Would happily use whenever needed.

April 23, 2026
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Reply from Smart Currency Exchange

Hi Veronica,

Thank you for taking the time to leave your review of the service provided by Rory.

We're so pleased to hear you had a positive experience during your transfers with us.

If you have any further needs or 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

Personal approach

Personal approach . Ease of contact. Polite and professional. Confirmation along the way. Access to view account and movement

April 21, 2026
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Reply from Smart Currency Exchange

Hi Gaynor,

We’re delighted to hear you had a good experience with these parts of the service. All things we pride ourselves on!

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 4 out of 5 stars

First transfer.

Some minor difficulties in completing the form. All good now.

April 22, 2026
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Thomas,

Thank you for taking the time to leave your review.

Sorry to hear you had some technical issues, but great to hear it was resolved and you were happy with the service in the end.

You can contact our team any time if you have questions or difficulties on 020 7898 0541.

We look forward to helping you again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

customer satisfaction

From registering the customer feels safe as everything is explained / guided by an allocated Account Manager. Speed of service is amazing. Business is done extremely efficiently and secured. Very professional.

April 15, 2026
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Reply from Smart Currency Exchange

Hi Leonardo,

Thank you for your positive comments. We're so pleased you've been happy with our service.

If you know someone who could use our help, you can refer them through our refer-a-friend scheme: smartcurrencyexchange.com/tp-refer

Thanks again, and we hope to speak again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Honest friendly service

Have been using Smart Currency Exchange for about 8 years, always the same high level of service no drama just honest straightforward service my contact is Baillie who gives excellent friendly service.

April 19, 2026
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Paul,

Thank you so much for taking the time to leave this lovely review. We're delighted to hear you've been happy with our service over such a long period.

We'll be sure to pass your kind words on to Baillie!

We look forward to speaking again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Excellent customer care

Not just another online platform to navigate with no humans to assist you, Smart Currency Exchange responded immediately to my enquiry. I was helped by an experienced professional over the phone, and given advice tailored to my needs and a very competitive exchange rate for my transfer.

April 16, 2026
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Stephen,

Thank you so much for your lovely review. We're so pleased to hear you are happy with our service.

We look forward to helping you again soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

It’s so easy

It’s so easy! A quick phone call followed by an email link and a few minutes later the funds were transferred. Cheaper than using my bank and the personal service is very reassuring. I highly recommend and will be using Smart again soon.

April 15, 2026
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Karen,

We're so pleased you were happy with our personal service.

If you do think of someone to recommend us to, you can earn rewards through our refer-a-friend scheme: smartcurrencyexchange.com/tp-refer

Thanks once again, and we can’t wait to assist you again soon!

Best regards,
The Smart Currency Exchange Team

Rated 3 out of 5 stars

Mixed review

I got a good rate, however the transaction was not followed through. My funds were stuck and no one notified me. I had to call up 4 times before my funds were finally released. It was stressful as I also had received an email on Easter Monday to say the funds had not arrived in their account and no one could confirm where they were until the next working day. A large sum coming from abroad had potentially gone astray, unnecessary stress. A good rate, however poor after care.

March 31, 2026
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Bernadette,

Thank you for taking the time to leave your feedback.

We're sorry to hear about the delay to your payment. This is far from typical - we aim to process the onward transfer as soon as possible. Often the same day!

With payments over the Easter break, what usually would have been completed within 1-2 'business' days may have led to a short delay due to the two UK Bank Holidays.

We apologise for the issue you had and hope we can make amends if trusted with your payments in the future.

If you have any further questions, you can reach our team on 020 7898 0541. We operate 8:30am-6pm, Monday to Friday.

Best regards,
The Smart Currency Exchange Team

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