COMPARE INTERNATIONAL MONEY TRANSFERS

---

Safe, secure money transfers
When using Halo Financial you can be confident that your foreign exchange needs are in safe, experienced hands. Whether you are making an urgent or ad hoc payment, wish to fix an exchange rate for up to 2 years time or need help managing pension, mortgage or other regular currency transfers, Halo Financial have the solutions for you.

Friendly, jargon-free currency service
You will be assigned your own currency expert who will help manage your currency needs. They will explain your options in plain English, free from market jargon and help you choose the best type of transaction for you. By constantly monitoring the exchange rates, they will help you identify the best time to trade.

Best exchange rates available
They don’t charge commission fees and, most importantly, they’ll provide you with a better exchange rate. It’s a highly personalised service delivered proactively by friendly people who just happen to be currency experts. They’ll transfer your currency where you want it, when you want it and at the exchange rate you want – keeping you updated at all stages.

---

About HiFX
The company is one of the largest and best known international money transfer specialists in the UK with a reputation for consistently offering highly competitive, bank beating exchange rates to both private individuals and businesses alike. To date they have transferred in excess of £100 billion!

What do customers think?
With more reviews than any other currency specialist, a 5-star rating and an average of 9.6/10 (from 800+ verified reviews), HiFX customers love both the rates and the service they receive.   Currently ranked as a Top 4 ‘Money’ site in the UK (Trustpilot.co.uk), HiFX has a hard earned reputation for providing excellent value for money and complete peace of mind.  As a result they are frequent commentators in the world’s print and broadcast media, regularly being quoted by the BBC, Sunday Times, Guardian, Daily Telegraph, Daily Mail and Independent etc.

For large transfers:
Their telephone based foreign exchange service gives you access to your own dedicated dealer who will get to know you and your individual requirements. With each dealer servicing fewer clients than a bank, they provide a level of proactively and personal service that the established banks find too resource intensive and a range of cost effective transaction options including protection from negative exchange rate movements.

For smaller amounts:
Check out their online service which allows you to move money, pay people or settle bills quickly and easily at discounted live exchange rates. Features include VeriSign security (used by 97 of the world’s top 100 banks) so you’re fully protected online and the ability to manage your account and track payments 24 hours a day.

Security & peace of mind:
• HiFX systems work to 99.999% uptime standards just like the world’s banks ensuring client payments arrive on time every time.
• Automatic notifications via email or SMS keep customers up to date with their transfers every step of the way.  They even let the recipient know when the funds are on their way so you don’t have to.
• Advanced anti-fraud safeguards make HiFX a safer, faster way to make international money transfers.


Signing up is quick, free and can be done 24 hours a day. It carries no obligation to trade and you’ll get access to all the tools and information you need to monitor exchange rates.

---

In a world where we all travel more and where we sometimes work and live abroad, buy second homes or even decide to emigrate, everyone needs a reliable foreign exchange provider.

 

Today’s uncertain economy means the value of money can be lost to sudden currency fluctuations, so you need to know that your money will be changed quickly and cost effectively.

 

About Global Reach Partners

For over twelve years, Global Reach Partners has been making foreign exchange transactions for private clients from all over the world.   On any transaction we first look at the market risks and take your individual circumstances into account to help you make the most of your money.

 

Our approach is different from banks whose prices can be up to 5% different from the actual market rate. We will always give you a live, up-to-the-minute price and will contact you when a good exchange rate comes up.

 

Global Reach Partners offers highly competitive rates of exchange in 130 major and local currencies, providing access to rates 24/7 wherever you are in the world.  No commission is charged so you know exactly how much your money will convert into.

 

To date we have traded over £15.2 billion in currencies, made over 179,348 currency payments and completed over 133,387 foreign exchange deals.

 

Registering with Global Reach Partners is free of charge and you are not obliged to trade. MoneySupermarket.com clients enjoy priority account opening.

 

Our reputation

For us, results and reputation are everything, so the feedback we receive is crucial:

 

John Martin was managing a project in Thailand and needed a currency provider who would give him a competitive rate of exchange and deliver his currency on time. He says Global Reach Partners “make FX dealings simple and painless by doing exactly what they say they will do.”

 

Anne Murdock was moving to the USA and looking for a foreign exchange company to guide her through the process of buying currency at the right time. Anne has used Global Reach Partners for the last five years because, she says, “the team are friendly, professional and very easy to talk to. The service is good and the transactions are quick.”

 

Global Reach Partners is recommended by Which Money magazine as the most cost effective currency specialist and has been endorsed by the Sunday Times List of Best Companies to Work For.

 

For large transfers:

 

Our platinum telephone dealing service will provide you with expert guidance tailored to your needs by a dedicated foreign exchange dealer. Benefits include:

Comprehensive post-trade support – assisting you through the settlement process

Fast, efficient transfers – ensuring funds arrive on time and at the right place

No commission or hidden charges

 

For smaller amounts:

 

Global Reach Partners’ online currency platform is easy to access and use, enabling you to buy and sell foreign currencies in real time, at the click of a button. Take advantage of:

24/7 access – simply go online whenever and wherever you are

No hidden charges

Instant access to your transactional history

Guaranteed secure transactions

There are no costs for standard transfers over £5,000

 

Security & peace of mind:

 

The safety and security of your money is our priority.  As a registered Money Services Business, we are regulated by HM Revenue and Customs and act strictly in accordance with the UK Money Laundering Regulations.  We are also supervised by the Financial Services Authority in accordance with the Payment Services Regulations 2009.

We operate client transaction accounts, so your funds are kept separate to those of our other clients.  Your money sits in a dedicated account until we receive instructions from you on where it needs to be transferred to.  Only then does it leave the account.

---

Overview

World First is the UK’s fastest growing foreign exchange company, helping thousands of private individuals and businesses transfer their money overseas quickly, safely and at the best possible exchange rates.  They pride themselves on offering the best service in the industry and they recently won the 2012 National Business Award for ‘best customer focus’. They don’t believe in automated phone systems and offer a ‘three ring promise’ – ensuring that every client gets a helpful person on the line every time they call.

Security

They offer the highest levels of security to ensure that your money gets where it needs to go safely. They are FSA authorised and have a 2A1 credit rating from Dun and Bradstreet - the highest possible rating for a company their size. They communicate with you clearly through the entire process and are there at any time if you have questions or concerns.  

Products and services

They specialise in both large and small transfers:  No matter what size your transaction, they offer the broadest range of products to transfer your currency efficiently and at the best rates possible, including forward contracts and currency options which can help protect you from fluctuations in exchange rates.

They offer a dedicated phone service or you can transact online 24/7 using their easy-to-use online platform.  
Their award-winning Chief Economist Jeremy Cook offers market analysis and expertise on a daily basis, and you can access clear, informative charts, rates and guides online at any time.

Getting Started

Opening an account is free and there is no obligation to transact.  It only takes a few minutes to complete and your account will be open within an hour during UK office hours.

 
What people say about World First

In a recent survey 99.6% of customers said they would happily use World First again.

“Very impressed with World First. Emails were received at every stage and money transfer went very smoothly. And it cost much less than using my bank.” L.M. from Dorset

 

 “ I'm loving World First! Easy account creation, on-line transactions are a dream, emails confirming each step of the transaction are very reassuring and service is fast. Very pleasant phone call with my World First consultant – professional and helpful.” C.U. from France

 

 “I thought World First were really quick, efficient and simple to use.  The rate offered was better than the company I have used in the past, and the money went into my French bank account quicker.” T.W. from London

---

About TransferWise
TransferWise is an online money transfer service, offering an entirely new low-cost way to send money abroad that's fast, convenient and fully FSA authorised. Transfers are made at the real mid-market rate with no hidden rate-adjustments whatsoever, and the overall service fees are up to 85% less than traditional banks.

Often described as 'the Skype of currency exchange', the company was launched by Skype's founding employee and has PayPal founder Max Levchin on its board of investors. The firm’s innovative low-cost method has been featured in The Financial Times, The Guardian & The New York Times amongst many others.

What do customers think?

With a 5-star rating and an average of 9.7/10 from over 300 customer reviews, TransferWise is currently ranked as a top 5 ‘Money’ site in the UK

For large transfers:

For transfers over £100K TransferWise asks that you phone their customer support team to initiate the transaction. In line with international fraud prevention practices, you'll be asked to verify your identity before the transfer can be completed.

For smaller amounts:

Transfers under £100K can be carried out entirely online, and it takes only few minutes to complete the process.

Security & peace of mind:

How long have they been in business?

TransferWise was launched in 2010. The business has safely transferred more than £30m on behalf of its clients, and has a growing team of around 20 experts.

Are they authorised by the Financial Services Authority (FSA) under the Payment Services Regulations 2009? Companies that are authorised by the FSA have had to meet strict capital adequacy and business practice rules, comply with Payment Services Regulations and the FSA’s Conduct of Business requirements.

Yes, TransferWise is fully FSA authorised as a payment institution (reference 571669).

Are they registered with HM Customs as an overseas money service business?

Yes, TransferWise is approved by HMRC (certificate 12591871)

Do they hold your money in segregated client trust accounts? (your funds are held separately from company funds protecting it from creditors).

Yes, TransferWise customers' funds are securely held in segregated accounts, entirely separate from those used in the day-to-day running of the business.

Do they have audited accounts on their website and how strong is the company’s balance sheet?

TransferWise has safely transferred more than £30m in funds, and like any other limited company they don't publish audited accounts online in the way a public corporation is required to.

Do they have direct access to SWIFT? SWIFT is the world’s largest payments and settlements network for domestic and international trades. Direct access ensures you, the client, benefit from faster payments and enhanced security.

Yes, TransferWise has direct SWIFT access, but their peer-to-peer model effectively replaces it, providing an even faster, safer and lower-cost means to send money abroad. They occasionally use SWIFT to launch one-way currency pairs, until the route become a two-way peer-to-peer service.

---

If you have a Lloyds TSB current account, you can transfer money to Europe or elsewhere such as USA.

You can request transfers via the phone or in a Lloyds TSB branch. Transfers made over the phone are capped at £5,000. For transfers over this amount you will need to visit a Lloyds TSB branch.

You can make payments to another person either outside the UK or in a currency other than sterling in the UK.

Transfer times will depend on where and what currency you are sending your money to. To send sterling to Europe will take four working days.

Depending on the amount you want to transfer will determine the fee you have to pay. For amounts up to £5,000 you will incur a £10 fee, for payments of £5,000 and above the fee increases to £17.50 per transaction. It is worth noting that although you have paid this fee, the recipient of the payment may also incur a fee from their bank.

If this is not suitable Lloyds offer alternative ways to transfer money abroad – International drafts, Money transfer card or Premier International Account.

 

---

To send money via PayPal you need to set up an account with PayPal. This is free and easily done online. Unlike other money transfer providers you don’t need to know the recipient’s bank details PayPal will sort that part out for you.

It is worth noting there is a percentage fee for transferring money of 3.9% plus 20p (for currency conversions) overseas which can work out expensive when sending large amounts of money.

It is worth noting that although you have paid this fee, the recipient of the payment may also incur a fee from their bank.