Pound Sterling Live International Payments
Far better rates than the banks and a 0% transfer fee, so more of your money arrives as currency. Your own account manager at one of two payment partners we have vetted and worked with for years.
More currency for your pounds than any bank delivers
Through Worldwide Currencies Ltd or Indigo FX Ltd, both FCA-authorisedBecause the bank keeps too much of it.
A bank builds its charge into the exchange rate, so the rate you are given sits a long way below the market rate you see on this site. By our own checks in October 2026, the five biggest UK high street banks keep between £275 and £460 of a £10,000 transfer to euros, in the rate and in fees.
Our partners quote a rate far closer to the market, with no commission and a 0% transfer fee. The difference arrives in your account as currency. On a property deposit or a pension transfer it runs to hundreds of pounds; on a house purchase, thousands.
0% transfer fee
Neither partner charges a transfer fee or commission. The rate you are quoted is the rate you get, and nothing is deducted after it.
A rate close to the market
Compare the rate your dealer quotes with the live rate on our GBP/EUR page. The gap is the whole cost, and it is a fraction of a bank's.
Free quote, no obligation
Ask either partner for a quote on your amount before you commit to anything, and hold your bank's quote next to it.
Lock it in or wait for better
A forward contract fixes today's rate for a later payment; a market order waits for the rate you want.
Two firms we trust with your money.
Both are authorised by the FCA, both safeguard client funds, and both give you a named specialist rather than a call centre. Pick the one that suits you; your quote is free and carries no obligation.
The long-standing choice. We have worked with the firm's Cornwall-based team since 2015. Twenty years of international payments, a large review base, and same-day delivery on major currencies.
- A dedicated personal consultant on a direct line
- No commission and no transfer fees
- Fix a rate in advance with a forward contract
- Market orders, online dealing, same-day delivery on majors
Worldwide Currencies Limited, FCA reference 525361
The innovative choice. A younger relationship, but a solid team that keeps bringing new products to the table. One named dealer every time, an online platform for booking your own trades, and market orders for targeting a rate.
- One named dealer, with a direct line and email
- No transfer fees; nothing deducted after you see your rate
- Spot, forward contracts and market orders
- Book online or by phone; same-day settlement on majors
Indigo FX Ltd, FCA reference 594433
Preferred partners, not a directory.
Pound Sterling Live has covered the currency market since 2014 and has seen most of the firms in it. We work with two. Each was vetted against the criteria opposite before we would put our name beside it, and we deal with the people who own and run each firm, not an affiliate desk.
Worldwide Currencies is a relationship of more than a decade, built on trust, service and performance. Indigo FX is a younger one that has impressed us with its innovation and its willingness to push the envelope on what a client can do.
We review both partners against the same criteria, and this page is updated whenever anything changes. Last reviewed November 2026.
FCA authorisation and safeguarding
Authorised under the Payment Services Regulations 2017, with client money held separately from the firm's own.
Pricing against the banks
No transfer fees, and a rate we have checked against what the high street charges on the same amount.
A named specialist
The same person each time, reachable directly. No switchboards and no ticket queues.
The tools a real payment needs
Forward contracts for fixing a rate, orders for targeting one, and same-day settlement when it matters.
Track record
Years of trading, a public review record, and a relationship with Pound Sterling Live long enough to know how they treat clients.
Personal service, at a better rate.
A dedicated account manager
The same specialist every time, on their own direct number. No switchboard, no call centre.
Better rates than the banks, 0% fee
A rate far closer to the market than your bank will give you, with no commission and no transfer fee. More currency arrives.
Market and timing support
We watch the market and help you decide when to trade.
Protect your budget
Forward contracts, market orders and rate alerts to manage currency risk, with either partner.
Trade online, any time
Book and manage your trades online, whenever it suits you, with either partner.
130+ currencies
International payments in over 130 currencies, wherever you need to send.
From quote to payment in three steps.
Choose a partner and register free
Free, with no obligation. Registration lets the partner complete its anti-money-laundering checks and gives you access to live rates.
Meet your account manager
Agree your rate and a plan for timing, whether you send today or fix a rate for later.
Send your money
Trade online or with your account manager directly, in any of more than 130 currencies.
Built around real payments.
Buying or selling abroad
Deposits, stage payments and completion funds, timed around your purchase.
Paying suppliers overseas
Relocating your savings
Mortgages, pensions and fees
Take control of your rate.
Exchange rates move every day. These tools help you decide when that movement matters to you.
Fix your rate now
Lock in today's rate for a payment you need to make later, so you know exactly what you will receive.
Target the rate you want
Set the rate you are aiming for and the trade happens automatically if the market reaches it.
Know when it moves
Be told when your currency reaches the level you are watching, so you never miss the moment.
Plainly stated.
Pound Sterling Live is an independent financial publisher. Your payment is made by whichever partner you choose, each a specialist payments firm authorised by the Financial Conduct Authority. Pound Sterling Live never holds your money. Payment firms are not covered by the Financial Services Compensation Scheme; safeguarding rules protect client funds instead.
Worldwide Currencies
- Legal name
- Worldwide Currencies Limited
- Regulator
- Financial Conduct Authority
- Authorisation
- Payment Services Regulations 2017
- FCA reference
- 525361
- Company number
- 05892452
- Trading since
- 2006
Indigo FX
- Legal name
- Indigo FX Ltd
- Regulator
- Financial Conduct Authority
- Authorisation
- Payment Services Regulations 2017
- FCA reference
- 594433
- Company number
- 08153583
- Trading since
- 2012
Ready when you are.
A free quote from either partner, with no obligation.