Independent Review · Online delivery specialist
Currency Online Group
Online delivery specialist, consistently ranking in the top 2 for GBP/EUR. Home delivery nationwide plus walk-in at their London office. Founded 2016. Competitive delivery fees with no high threshold requirement.
Top 2 rates HMRC MSB Online + London walk-in 4.7/5 Trustpilot
GBP/EUR rate today
1.1350
Live from data feed
€ for £500 today
€567.50
Before delivery fee
Delivery fee
From £10
+ insurance; varies by order
Walk-in
Waterloo
London office available
8.1 / 10 PSL Travel Money Score
Verdict: Consistent top-2 performer, strong alternative to TravelFX
Currency Online Group delivers the second-best or occasionally the best rate for GBP/EUR and several other major pairs. On a £500 order it typically trails TravelFX by no more than €1–2. Its delivery fee structure differs from TravelFX – rather than a high free-delivery threshold (£750 at TravelFX), COG charges from £10 plus insurance regardless of order size, which can favour smaller orders. The London walk-in option at Waterloo is genuinely useful for anyone based in or passing through the city. Trustpilot scores (4.7/5 from 900+ reviews) are excellent. The main limitation is the lack of a wide branch network – online delivery or London only.
Currency Online Group Rates Today – Major Currencies Updated 13:03 BST · 19 May 2026
| Currency | Currency Online Group rate | €/$ for £500 | vs TravelFX | vs interbank |
|---|---|---|---|---|
| EUR – Euro | 1.1350 | €567.50 | −€0.85 | −260 bps |
| USD – US Dollar | 1.3287 | $664.35 | −$1.00 | −220 bps |
| AUD – Australian Dollar | 1.8603 | A$930.15 | −A$3.50 | −285 bps |
| TRY – Turkish Lira | 57.1172 | ₺28,558.60 | −₺55 | −255 bps |
| AED – UAE Dirham | 4.8317 | AED2,415.85 | −AED 7 | −235 bps |
Rates are indicative and update continuously. Interbank mid-market rates sourced from PSL data feed. "vs Post Office" column reflects approximate basis point differential based on PSL comparisons. Firm rates must be obtained from Currency Online Group directly before transacting.
Fees & Delivery
🚚 Home Delivery
Delivery fee From £10 + insurance
Fee varies by Order size and currency
Delivery timing Next working day
Courier Royal Mail Special Delivery
Minimum order No stated minimum
🏢 London Walk-in
Location Waterloo, SE1
Opening hours Mon–Fri business hours
Same-day collection Yes
ID required Yes – photo ID
💳 Payment
Debit card ✓ No fee
Bank transfer ✓ Available
Credit card Check before ordering
Commission None
🔄 Buyback
Buyback service Yes
Method Post back or London office
Buyback rate Competitive – check live
Currency card No
Pros & Cons
✓ Advantages
✓
Consistently top-2 rates across major currencies✓
4.7/5 Trustpilot from 900+ verified reviews✓
London walk-in at Waterloo – useful for city visitors✓
Lower effective delivery cost for smaller orders vs TravelFX✓
No commission – spread only✓
Buyback service available✗ Disadvantages
✗
Online and London only – no branch network for click & collect nationwide✗
Delivery fee structure less transparent than a single threshold✗
HMRC MSB only – not FCA regulated for currency exchange✗
Smaller review base than TravelFX (900+ vs 32,000+)✗
No prepaid currency cardPSL Rating Breakdown
⚠️ Regulatory clarity note: The "Regulatory clarity" score reflects the level of consumer protection and transparency PSL considers available to customers. A lower score does not mean the provider is illegal or unsafe for typical transactions, but indicates that FCA consumer protection rules do not fully apply to the currency purchase itself.
8.1 / 10 Overall PSL Travel Money Score
Who Is Currency Online Group For?
✅ Best for
Anyone who wants the best or near-best rate and either lives near Waterloo or is happy ordering online. Particularly good for smaller orders where TravelFX's £7.50 fee (under £750) makes it less competitive – COG's from-£10 fee can work out similarly or better depending on order size. Check both providers' delivered rate for your specific amount before ordering.❌ Not ideal for
Those outside London who need same-day collection – there is no branch network. For anyone who wants to walk in locally, Eurochange (240+ branches) or Post Office (11,000+ locations) are the better choices.Currency Online Group – Questions & Answers
Is Currency Online Group safe?
Currency Online Group is registered with HMRC as a Money Service Business (the standard regulatory framework for all UK bureau de change) and has a strong Trustpilot record. Payments are processed via Currency Cloud (FCA EMI FRN 900199), which holds FCA Electronic Money Institution authorisation. For typical travel money purchases it is a safe and well-reviewed provider.
How does Currency Online Group compare to TravelFX?
On rate, COG is typically within €1–2 of TravelFX on a £500 GBP/EUR order – effectively equivalent for most travellers. The main differences are delivery fee (COG from £10 regardless of size vs TravelFX free above £750), and physical access (COG London only vs TravelFX delivery-only). For orders under £500, COG's fee structure can be more competitive.
Can I walk in to buy currency?
Yes – Currency Online Group has a walk-in office in the Waterloo area of London. You can collect same-day. Outside London, home delivery is the only option.