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.

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
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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

Matthew was very clear with his…

Matthew was very clear with his communication and the funds were processed expeditiously. He is warm and made me feel comfortable

November 27, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Esther,

We're so pleased you were happy with the service you received and the experience with Matthew.

We hope to speak soon and help you the next time you need to transfer money abroad!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Owned by Barclays Bank (so no worries about them disappearing!)

From my initial inquiry they were very helpful and spent time explaining my options for spot rates and forward dated rated rates. Always had lots of time to talk through where currency rates stood. The actual process of transferring funds was straight forward and easy to do. Can't fault them. Great service. Friendly and helpful.

November 12, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Jonathan,

We appreciate your kind words and the time you took to share your experience. We're so pleased you were happy with the service you received.

Should you have any more questions please don't hesitate to reach out. If you know someone who would also benefit from our services, refer them to us and get rewarded! 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

A pleasure to do business with

A pleasure to do business with, our account manager Rory Haloran was truly professional and helpful

November 28, 2025
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Ann,

Thank you for your lovely words, and for taking the time to leave a review of your experience with Rory.

We hope to help with any needs to transfer money again in the future!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Great service from Matthew Lane-Miller

Great service from Matthew Lane-Miller, straight forward and efficient process.

November 26, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Johanna,

Thank you for taking the time to leave your review. We'll be sure to pass your kind words on to Matt.

We look forward to helping you with your next transfer soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

smart currency came out tops between…

smart currency came out tops between the three quotes i got the contact i had with Danny cook was superb any questions i was able to call him

November 24, 2025
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Steven,

Thank you for taking the time to leave your review. We're so pleased to hear that we were able to deliver on the service expected when requesting a quote.

We hope to help you again the next time you need to transfer money abroad.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Friendly

Friendly, helpful and efficient.

November 21, 2025
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Matthew,

Thank you for your kind words about your experience with our team.

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

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Despite a long and complicated sale…

Despite a long and complicated sale procedure the transfer of funds was completed within hours of my Bulgarian estate agent depositing the proceeds of sale with Smart. My representative kept in touch by phone regularly throughout the waiting period (proving heirs and their identities etc.,) and I was guided through the transfer quickly and clearly when the sale was complete. It was such a relief to have one less stage in the process to worry about.

November 21, 2025
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Heather,

We’re delighted to hear that you were happy with our service and are so pleased we were able to reduce the stress for at least one part of the process!

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

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Very good service

Very good service. Matt has been excellent with the support.

November 19, 2025
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Stan,

Thank you for your positive feedback. We are delighted to hear that you've been pleased with our service.

We look forward to helping with your next transfer soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Excellent service and very informative…

Excellent service and very informative over the initial movement of our money to Spain. Danny Cook provided an outstanding service from the initial contact and throughout our buying process. Thank you Danny.

October 10, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Jon,

We appreciate your kind words and the time you took to share your experience. We've passed your kind words on to Danny.

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

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Gary was great throughout the process…

Gary was great throughout the process of sending various amounts of money to two different countries. Even when a problem arose with one payment Gary and the team did everything they could to sort out what was happening. He keeps in touch and checks in regularly. The exchange rates were good and the process simple and easy to use. Highly recommended.

September 12, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Tracey,

Thank you for your kind feedback. We're so pleased you had a good experience with our service.

If you know someone who might be interested in our services, you can recommend 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 3 out of 5 stars

All oke service

All oke servicec

November 14, 2025
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Eric,

Thank you for taking the time to leave your review. Customer service is extremely important to us.

If you have any questions or any further need to transfer money abroad, please don't hesitate to contact our team.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

I would highly recommend this company for 'de-stressing' the process of sending currency abroad.

I came across these guys through 'Your Overseas Home', when I was starting my property search in Portugal.
Buying a property abroad can be hugely stressful, as the process can be completely different and of course there is the additional worry of exchange rate fluctuations.
Danny helped us through the process of transferring the deposit and then fixing the rate so that when we were ready to complete, we knew exactly what we were paying. The rate offered seemed OK at the time (seemingly fairly similar to the current tourist rates), but with no additional fees on top. Although your high street bank may offer a better exchange rate, they often charge huge fees to make the transfer (which I experienced when sending a previous, smaller amount). However, the main reason for using Smart Currency Exchange was to protect us against any huge economic shocks, which we have seen in the past. Just a 1% devaluation of the £ would cost us several thousand ££'s. Of course, this could work the other way - but would you want to gamble?
The portal made things really easy to set up recipients and to check the balance (as due to constraints with our bank, we had to make frequent smaller transfers). On the completion day, everything was transferred across to our lawyer, very promptly with no issues. (I think around 24hours from the UK to Portugal)
I will continue using Smart Currency Exchange for transferring ££'s to my €€ monthly bills account. Thanks Danny!

October 24, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Glen,

We’re delighted to hear about your experience with us. Congratulations on your purchase in Portugal!

We'll be sure to pass on your kind words to Danny and the team, and look forward to helping with your monthly payments to come.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Everybody at Smart Currency Exchange…

Everybody at Smart Currency Exchange has been great. Very professional and helpful in arranging money transfers to a novice at this type of thing and providing helpful information on currency values. I would especially like to thank Matt who has been particularly helpful to us. I would certainly recommend Smart Currency Exchange to anybody wanting to use this type of service. Thank you

November 8, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Colin,

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

If you have any other queries or questions, please reach out to our team. If you do think of someone who might be interested in our service, 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

Great service by Matthew Lane-Miller

Great service by Matthew Lane-Miller, explained everything in our initial call and gave us time to think about the amount we wanted to send and no pressure was put on us. We were worried about sending a large amount and Matthew explained that we could send smaller amounts which we did and all came across to our Australian accounts within 2 working days. Thank you for your help and support with our transactions, your a credit to Smart Currency Exchange.

October 13, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Nathan,

Thank you for your positive feedback.

We know sending large amounts can be daunting and we're so pleased to hear that you had a good experience with Matthew.

We hope to speak again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Excellent service

Rory was extremely helpful and available throughout the process of buying my property abroad, which proceeded seamlessly.

October 20, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Karen,

Congratulations on your purchase!

We're so pleased you were happy with your experience with our service, via Rory. We'll be sure to pass on your kind words.

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

Great service from Matt.

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 in close contact and ensured that the transfer happened promptly. We had already checked out other companies, then Smart was recommended to us, and they proved to be the best. Thanks Matt, we will recommend and refer others to you in future.

October 27, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Helen,

Thank you so much for your kind words. I'm so please that Matt was able to help and provided a great experience through our service.

If you do think of someone to recommend us to, you can refer them to us and get rewarded! 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

Have never needed to use such a service…

Have never needed to use such a service before and moving large amounts of money always makes me nervous. Needed this service to enable us to buy our retirement home in Spain. Was helped all the way through and never tried to persuade me into different things. All went well and the transaction was very smooth. Would definitely use the service again if needed.

October 6, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Stewart,

Thank you for your positive feedback. We were so pleased to hear that you had a positive experience with us.

We understand that we're often dealing with large sums which can be daunting at times. We've worked hard so that our service (and our team) ensure things go as smoothly and as transparently as possible.

Thanks again, and we hope to speak again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Sam was extremely helpful and made the…

Sam was extremely helpful and made the transfer of funds from overseas very seamless.
Thank you

October 17, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Robert,

We're so pleased you had a pleasant experience using our service.

Thank you for taking the time to leave your review and we look forward to helping you again soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

From the very first call to the…

From the very first call to the transfer arriving the whole experience was incredibly professional and easy. Matthew was on the ball, guided me through from start to finish. Don't use any other exchange company.

October 25, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Dave,

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

We look forward to helping you again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Unbeatable service

Have been using several currency brokers during past 15 years and Rory with Smart currency was the first and only broker to provide me a truly personal customer experience.
Other brokers normally larger companies did not offer this type of customised or personal service.
The exchange rates were either matched or better than most of the larger brokers every time.
A big thank you Rory for your excellent service that you provided me during this year.

October 1, 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi,

Thank you so much for your lovely review.

We're so pleased you had a good experience with Rory. We'll be sure to pass your kind words on. Getting to know our customers and their needs is so important to us to ensure we're able to offer the right service.

We look forward to helping you again soon!

Best regards,
The Smart Currency Exchange Team

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