What CurrencyFair has shown on monitored routes
A win requires a completed, non-promotional quote at the same sending amount. Converter rates and modelled bank prices remain useful evidence, though neither is allowed to wear the winner's badge.
Where CurrencyFair makes sense
- Best for
- Bank-to-bank payments, businesses and customers who value telephone support and rate alerts.
- Less suitable for
- Cash pickup, card-to-card remittances and very small transfers where the flat fee has more weight.
- Where the rate cost sits
- CurrencyFair states that its exchange margin varies by currency and is typically around 0.53%.
- What the fee tells you
- After conversion, a transfer-out fee applies. The published GBP fee is £2.50 and the euro fee is €3.
- Delivery
- Many transfers complete within 24 hours. Timing depends on when the customer's deposit reaches CurrencyFair and the destination rail.
- Access
- Personal and business accounts, more than 20 currencies and transfers to over 150 countries.
How CurrencyFair's quote can flatter or disappoint
CurrencyFair sits between an automated transfer app and a traditional currency broker. It offers self-service conversion, rate alerts and multi-currency balances, while retaining telephone and email support. Its published typical margin of about 0.53% gives a useful starting point, although the booked rate for a particular pair can be better or worse.
The fee structure is easy to misunderstand. The £2.50 transfer-out charge is not the full conversion cost. The exchange margin has already affected how much foreign currency was bought. A fair comparison therefore uses the recipient amount after both the exchange and transfer-out fee, which is exactly what our captured evidence is designed to show.
CurrencyFair can suit a customer who transfers periodically and wants more control than a remittance app supplies. It is not designed around cash collection or mobile-wallet payouts. On a £200 transfer the fixed fee is visible; on a larger payment the rate margin becomes the larger number.
Where it works well
- Publishes a typical FX margin
- Low, simple transfer-out fee
- Personal support and business functionality
Where the value thins out
- The final margin still varies by currency
- Requires an account-funded transfer process
- Fewer payout types than remittance networks
The latest CurrencyFair figures we can reproduce
Each row is the newest record for that route. The receipt shows the provider screen or calculation behind it, including the time we saw it.
| Route | Sent | Visible fee | Amount delivered | Against the best completed quote | Receipt |
|---|---|---|---|---|---|
| United Kingdom → Francebank transfer · bank deposit | £750.00 | £2.57 | €873.53Rate 1.1687 | -€0.94 | Open receipt21 Jul 2026, 10:10 UTC |
| United Kingdom → Germanybank transfer · bank deposit | £750.00 | £2.57 | €873.53Rate 1.1687 | -€1.84 | Open receipt21 Jul 2026, 10:10 UTC |
| United Kingdom → Irelandbank transfer · bank deposit | £750.00 | £2.57 | €873.53Rate 1.1687 | Best completed result | Open receipt21 Jul 2026, 10:10 UTC |
| United Kingdom → Italybank transfer · bank deposit | £750.00 | £2.57 | €873.53Rate 1.1687 | -€4.09 | Open receipt21 Jul 2026, 10:10 UTC |
| United Kingdom → Netherlandsbank transfer · bank deposit | £750.00 | £2.57 | €873.53Rate 1.1687 | -€0.74 | Open receipt21 Jul 2026, 10:10 UTC |
| United Kingdom → Portugalbank transfer · bank deposit | £750.00 | £2.57 | €873.53Rate 1.1687 | -€3.65 | Open receipt21 Jul 2026, 10:10 UTC |
| United Kingdom → Spainbank transfer · bank deposit | £750.00 | £2.57 | €873.53Rate 1.1687 | -€3.65 | Open receipt21 Jul 2026, 10:10 UTC |
What to price beside CurrencyFair
Wise remains the cleanest yardstick for an ordinary bank transfer. It uses the mid-market rate and places its charge in view, so there is less detective work between the advertised rate and the amount delivered.
Read the Wise rate review →Xe has the reach and support to handle far more than a routine £200 payment. Its public converter is useful, though it is not the rate a customer can necessarily book, a distinction the glossy chart leaves rather quiet.
Read the Xe rate review →OFX is better suited to a property payment or business transfer than a quick £200 remittance. Human support is useful, though the executable rate usually sits behind registration rather than on the public page.
Read the OFX rate review →CurrencyFair's own pricing documents
These pages describe the published terms. The corridor table is gathered separately, so a provider's explanation never substitutes for the quote it gives us.
- UK pricing and typical marginCurrencyFair
- Transfer fee tableCurrencyFair