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
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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
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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
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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
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Company details
About Smart Currency Exchange
Written by the company
All of your currency exchange requirements - covered.
Get a free quote
Speak to the currency experts.
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
1 Lyric Square, Hammersmith, W6 0NB, London, United Kingdom
- 020 7898 0541
- info@smartcurrencyexchange.com
- www.smartcurrencyexchange.com
Quick, easy and secure money transfers
4.8
Excellent
2K reviews
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Replied to 100% of negative reviews
Typically replies within 24 hours
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Matthew did a great job leading us…
Matthew did a great job leading us through the process and answering our questions. We were very pleased with the process.
March 10, 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Tina,
Thank you for your positive feedback. Great to hear that Matthew was able to guide you through the process and provide a good experience with your transfer.
We look forward to speaking again soon.
Best regards,
The Smart Currency Exchange Team
If you are a South African expat…Caution for South African Expats: Lack of Regulatory Due Diligence
If you are a South African expat planning a large currency transfer, I strongly advise exercising caution before engaging with Smart Currency Exchange. My experience, also supported by other views on this platform indicates that they rely heavily on verbal agreements over the phone to lock clients into contracts. Smart Currency did this to me too without conducting the necessary due diligence to ensure the transfer is legally viable under South African law.
The fundamental issue is that Smart Currency Exchange does not operate a local ZAR-denominated bank account in South Africa. Instead, they require clients to transfer funds directly into their offshore UK Barclays ZAR account. This setup caused the transfer to fail, despite the fact that I had fully complied with my obligations by securing my South African Revenue Service (SARS) tax clearance (TCS PIN) to legally remit the funds. Because the transfer exceeded the annual single discretionary allowance (ZAR 1 million), South African banks require funds to be converted to foreign currency before leaving the country. Consequently, my local bank formally declined to process the transfer, explicitly citing strict South African Reserve Bank (SARB) Exchange Control regulations regarding "Source of Funds" and third-party offshore restrictions.
When I informed Smart Currency Exchange of this regulatory block, they suggested I simply open a new local resident account. As a UK resident, this is legally impossible, as I cannot satisfy South Africa's FICA requirements for proof of local residence.
Despite providing written evidence from my bank detailing these legal constraints, the firm's compliance team was entirely dismissive, stating that understanding these banking regulations was "beyond our scrutiny." In my view, as an FCA-regulated broker, this demonstrates a severe failure in their Consumer Duty by selling a contract that was legally impossible to execute from my own accounts from the outset.
Rather than acknowledging that the transaction was frustrated by genuine regulatory hurdles completely outside of my control, they issued a "take it or leave it" ultimatum: find a way to settle the contract or face a substantial cancellation penalty. Faced with the threat of aggressive legal action, I was forced into a highly stressful workaround under significant duress.
Save yourself the distress. I highly recommend finding a broker that thoroughly understands international banking laws and can actually facilitate transactions through a localized South African bank account.
February 9, 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Alan,
Thank you for leaving your feedback.
Your comments are being taken seriously and remain under review with senior members of our payments and compliance teams.
We're not able to discuss details of the investigation here, but our team will continue to be in touch privately to make good on this issue where possible.
Once again, we're sorry your experience with our service hasn't lived up to expectations.
Best regards,
The Smart Currency Exchange Team
They did everything they said and on…
They did everything they said and on time, very efficient service. They were recommended to me by an agent in France and delivered a reliable and honest transaction.
February 12, 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Richard,
Thank you for taking the time to leave your review. We're so pleased you were happy with the service after being referred to us.
We look forward to helping you again soon.
Best regards,
The Smart Currency Exchange Team
Very Professional services with high…
Very Professional services with high availibility and reactivity.
I trulty recommend them
March 12, 2026
Reply from Smart Currency Exchange
Hi customer,
Thank you for taking the time to leave your review. We're pleased you were happy with the service and response times of our team.
We hope to be able to help you again soon!
Best regards,
The Smart Currency Exchange Team
Reply from Smart Currency Exchange
Hi Katherine,
Thank you for your review. Great to hear everything went well with your transfer.
We look forward to helping you again soon.
Best regards,
The Smart Currency Exchange Team
Stress Free Currency Exchange
Used Smart Currency nine years ago so decided to use them again. Absolutely seamlessly easy. You speak to the same advisor, which is rare these days. The instructions are clear and easy to follow. Would highly recommend Smart Currency.
March 9, 2026
Unprompted review
Reply from Smart Currency Exchange
Hi AM,
Thank you so much for coming back to us, We're so pleased you were happy with the service again.
We're proud to have a lot of our staff stay in the business for many years. Lots of the people involved in your transfer 9 years ago would have been involved again this time around!
If you think of someone to recommend us to, you can also earn rewards. Read more here: 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
Speedy no nonsense transactions
March 13, 2026
Reply from Smart Currency Exchange
Hi Ant,
Great to hear you were happy with the speed and efficiency of our service. Sometimes, simple is best and we try to cater to all needs.
We hope to help you with your next transfer soon.
Best regards,
The Smart Currency Exchange Team
Reply from Smart Currency Exchange
Hi Margaret,
We're so pleased to hear you found the service helpful. 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
Very happy with your service David Hirst
March 12, 2026
Reply from Smart Currency Exchange
Hi David,
Thank you for taking the time to leave your review. We're so pleased to hear you were happy with our service and we look forward to helping you again soon.
Best regards,
The Smart Currency Exchange Team
Efficient and accurate.
Smart Currency delivered what they had promised,
and the process was efficient.
March 12, 2026
Reply from Smart Currency Exchange
Hi Tom,
We're so pleased you were happy with the service received when making your transfer.
We can’t wait to assist you again soon!
Best regards,
The Smart Currency Exchange Team
Really good service
Really good service. And having an account manager added piece of mind and communication during the process to delivery.
March 11, 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Simon,
Thank you for taking the time to leave your review. We're pleased to hear that having an account manager dedicated to your account helped smoothen the process!
We look forward to helping you again soon.
Best regards,
The Smart Currency Exchange Team
Pressure to make a quick decision
Pressure to make a quick decision, combined with an unfavourable exchange rate and a lack of transparency regarding the fee embedded in the transaction rate. Be Aware!
March 10, 2026
Reply from Smart Currency Exchange
Hi customer,
We're sorry to hear you didn't have a good experience with our service. If there are any further questions we can answer, our team would be happy to address your concerns.
You can reach them on 020 7898 0541.
Best regards,
The Smart Currency Exchange Team
Excellent service
Great customer service and communication. Fast hassle free transaction.
March 10, 2026
Reply from Smart Currency Exchange
Hi Jacqueline,
Thank you for taking the time to leave your review. So pleased to hear you had a good experience with our service.
Best regards,
The Smart Currency Exchange Team
When you want to be sure your money is in safe hands
When you want to be sure your money is in safe hands especially with large amounts you have to trust a currency exchange company. There is no other company I’d trust more than smart currency to perform this service. Matt has been there every step of the way even when we suffered delays. A fantastic service I highly recommend.
March 10, 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Simon,
Wow, thank you for your lovely review! We're so pleased to be trusted with your payments.
If you have anyone in mind to recommend us to, you can earn rewards through our referral scheme: smartcurrencyexchange.com/tp-refer
Thanks again, and we hope to speak again soon.
Best regards,
The Smart Currency Exchange Team
Fantastic service from start to finish
Fantastic service from start to finish, Alastair explained things really well and the whole process was slick and incredibly fast, I would highly recommend Smart Currency.
March 9, 2026
Reply from Smart Currency Exchange
Hi Emma,
Thank you for your kind feedback. We're so pleased you had a good experience with Alastair.
If you have any further 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 again soon.
Best regards,
The Smart Currency Exchange Team
Buying property abroad
I had a telephone call from Rhys explained everything in detail and gave both options of currency exchange and I took the one that that was best for me. The company does everything for you so you have nothing to worry about and know your money is in safe hands. Recommend by my estate agent she uses them all the time. Well deserved 5 *
March 9, 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Andrea,
Thank you, we really appreciate you taking the time to leave your review.
We're so pleased we were able to help with everything related to your transfer and we look forward to helping you again soon.
Best regards,
The Smart Currency Exchange Team
Professional and efficient!
March 4, 2026
Reply from Smart Currency Exchange
Hi Nick,
Thank you for taking the time to leave your review. Great to hear you were happy with the service!
Best regards,
The Smart Currency Exchange Team
Heard about Smart Currency from Beau…
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 weeks of persistence !
February 27, 2026
Reply from Smart Currency Exchange
Hi Robert,
Thank you for your positive feedback. We were so pleased to hear that your sale went through smoothly!
We'll be sure to pass your thanks on to Rhys. We look forward to helping you again soon.
Best regards,
The Smart Currency Exchange Team
Patient & Helpful & Efficient
Matthew was as patient as he was helpful. And he was VERY helpful. Three of us in three different countries in three different time zones (all of them different from Matthew's own) and Matthew was able to make it all happen and he did so quickly, efficiently and always in good humo(u)r.
March 3, 2026
Unprompted review
Reply from Smart Currency Exchange
Hi Beverly,
Sounds like an interesting set of transfers - we love those!
We're so pleased you were happy with the service Matt was able to offer. 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
We look forward to helping you again soon!
Best regards,
The Smart Currency Exchange Team
Reply from Smart Currency Exchange
Hi Tom,
Thank you for taking the time to leave your review. We're pleased you had a positive experience.
We hope to help with your next transfer soon.
Best regards,
The Smart Currency Exchange Team
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