Using today's live exchange rate £100 000 will deliver:
Provider Fee EUR AUD USD CAD NZD Transfer Time
RationalFX 0 115665 163696 124131 163412 171315 Next Day
Lloyds Bank 17 113638 160828 121956 160549 168313 3-8 Days
FX at Stake 17 $ $ $ $

Get Up to 5% More Currency on Your International Payments

How RationalFX Delivers Bank-Beating Exchange Rates:

  1. Tighter on FX spreads - clients given a rate that is as close to the market rate as possible - and no fees are charged.
  2. As a specialist the company suffers only a fraction of the overhead costs of banks and large FX bureaux.
  3. Your account manager will help you avoid negative market movements. Tools such as buy orders will help you take advantage of currency market movements - tools that your bank offers big institutional clients but not you.

Banks make their money via the large spread they add to the wholesale market exchange rate when they offer you a retail rate. But, RationalFX consistently under-cut these exchange rates as they are specialists in FX delivery and management.

The figures in the above table are indicative of the savings RationalFX are able to offer their clients by actively seeking out the best wholesale market rates and passing them on.

Note: All funds are held in a third party account at Barclays ensuring your money is ring-fenced from our own funds. RationalFX is authorised by the FCA (507958) and HMRC as a Money Services Business (12206957). The company is a SWIFT payments member (RFXLGB21).

With a turnover of $1.9bn in 2015 and expectations to increase this to $2.6bn this year, it is clear that RationalFX is successfully making its mark on the money transfer industry. To date, the company has transacted $10bn, is growing organically with two offices in London and more in Birmingham and France.

Why Choose RationalFX

why choose rationalfxRationalFX have access to almost 50 different currencies and can transfer funds to and from over 150 countries around the world.

Regulated by the UK's Financial Conduct Authority and HM Revenues and Customs they offer a cost saving and efficient alternative to your bank, they can offer:

  1. Consistently better exchange rates than the banks
  2. Transfer of funds within 24 hours
  3. No transfer fees or commission
  4. The ability to speak to a personal account manager with expertise in FX.

Get a no obligation quote today.

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International Payments: Best Practice

  • Understand the consequences of currency fluctuations.
  • Set your budget rate.
  • Ask your trader to monitor the rates during invoice periods to try and help you buy currency when the rates are favourable.
  • Be aware of the products and services available to you and implement the best-fit strategy.
  • Guard against unfavourable rates and additional charges.

Security and Protection

RationalFX is:

  • Authorised by the Financial Conduct Authority (FCA), FRN No: 507958 for the provision of payment services.
  • As such all clients' funds held separate from RationalFX funds in a segregated client account at Barclays Bank. 
  • Registered as a Money Service Business (MSB) with HM Revenue & Customs, MSB No. 12206957
  • Trusted - To date £1.25Bn (€1.5Bn, $2Bn) worth of currency transferred.

Trust pilot reviews

quote markI was pleased with the rate I was given, I will be moving some more funds in the near future and will certainly be using RationalFX again. Your after service and the way you kept me informed every step of the way is second to none. Most people only send emails to complain about things never about the great service they have received. Thanks."

Sent by private client Ian to RationalFX client manager Louisa Ballard, December 2012.

quote markOur strength lies in the vast knowledge and expertise of our foreign exchange dealers, who look forward to discussing your currency requirements and formulating the best FX strategy to help you avoid fluctuations in the FX market.

- Paresh Davdra, Sales Director at RationalFX.