International Money Transfers

International Money Transfers can seem complicated, especially when exchange rates, fees and delivery times are not always clear. The Money Cloud makes the process easier.

We are an international money transfer marketplace built to help individuals and businesses secure the best deal with confidence. Our role is simple: we give you clear information, access to competitive exchange rates and routes to trusted partners that may offer low or no transfer fees.

You get a clearer view of what your money is worth, what you could pay and how to move funds without any guesswork. For international payments, overseas property purchases, business costs or family support, The Money Cloud assists you to make a better, cheaper and informed decision before you send your money overseas.

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International Money Transfers

When you send money overseas, a small exchange rate variance can make a huge difference. The Money Cloud helps you compare International Money Transfer options so you can see how your money may go further than using your own bank.

We bring together information on exchange rates, transfer fees and provider options, helping you avoid unnecessary charges and find great deals. Instead of relying on one bank or one provider, you can review alternatives and choose the one that suits your needs.

The Money Cloud is built around clarity, trust and choice. We explain the process in plain English, connect you with partners who understand overseas payments and help you feel more in control when exchanging and transferring money.

For regular payments, large one-off transfers or time-sensitive currency moves, International Money Transfers should feel simple, not stressful.

Find out more

Choose The Money Cloud for confident finances

International money transfers made from your mobile

Choosing the right way to transfer money internationally can help you save time, reduce costs and feel more in control. The Money Cloud gives you a clearer way to compare international transfer options before you move your funds.
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‍Clear information - We explain international money transfers in plain English, so you can understand your options without confusing jargon.
‍Competitive exchange rates - Compare providers that offer better value than standard bank transfers.
‍Access to trusted partners - We connect you with providers that support international payments for personal and business needs.
‍Support for large and regular transfers - Get guidance for property payments, supplier costs, family support, payroll and more.
‍Built for confidence - The Money Cloud helps you compare before you commit, giving you greater peace of mind with every International Money Transfer.

Compare exchange rates
& get a quote

Find your perfect exchange rate for your international payments, and apply for a quote from your selected FX broker.

Make the transfer
& relax

Once approved, make your transfer and send the funds through your online banking and we’ll take care of the rest.

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2019 UK Innovate award winner

Transfers for business

Businesses often need to move money across borders quickly, clearly and at a fair rate. The Money Cloud helps make those payments easier to understand and easier to compare.

Businesses may need international money transfers for:

‍Paying overseas suppliers - Keep goods, materials and services moving without relying on poor exchange rates.
‍Managing international payroll - Pay employees, contractors or freelancers based in other countries.
‍Importing and exporting goods - Send and receive payments in different currencies with greater clarity on costs.
‍Opening new markets - Support overseas growth with payment options that fit your business goals.
‍Paying international invoices - Compare rates before settling bills in EUR, USD or other currencies.
‍Protecting profit margins - Better exchange rates can help reduce avoidable costs on regular transfers.

For example, a UK-based company buying stock from a supplier in Europe may need to send £25,000 in regular GBP to EUR payments. If one provider offers a stronger exchange rate than another, that difference could mean hundreds of euros more reaching the supplier, especially when transfers are made regularly.

The Money Cloud helps businesses compare their options before sending, so they can make payments with a clearer view of rates, fees and provider choice.
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Transfers for personal reasons

Personal international money transfers often involve important life moments, so it helps to know your options before sending money abroad.

Personal customers may need to transfer money for:
‍Buying overseas property - Move large sums abroad for deposits, legal fees or final payments.
‍Supporting family overseas - Send money to loved ones in another country with clearer costs.
‍Relocating abroad - Transfer savings, income or pension payments when moving country.
‍Paying for education - Cover tuition fees, accommodation or living costs for international study.
‍Managing overseas investments - Move funds between countries for property, savings or other financial plans.
‍Travel and long stays abroad - Send money ahead for extended trips, second homes or retirement plans.

For example, someone buying a holiday home in Spain may need to transfer £150,000 from GBP to EUR for a deposit, legal fees and completion payments. With a transfer of that size, even a small exchange rate difference could affect the final amount received by thousands of euros.

The Money Cloud helps personal customers compare international transfer options, so they can move money abroad with more confidence and fewer surprises.

International money transfer comparison - Compare, register and send money overseas using the money cloud

Popular currency transfers

Many international payments involve moving money between two major currencies. The Money Cloud helps you compare options for common currency routes, so you can see where you could get better value before making a transfer.

Whether you are paying an overseas supplier, buying property abroad, supporting family or moving savings between countries, exchange rates can make a real difference. The Money Cloud helps you compare International Money Transfer routes with greater clarity, giving you more confidence before you send.

Popular currency transfer routes include:

US Dollars to Euros

British Pounds Sterling to Euros

Euros to British Pounds Sterling

Euros to US Dollars

British Pounds Sterling to US Dollars

US Dollars to British Pounds Sterling

FAQs

Do your partners charge fees for an international money transfer?

Fees can vary depending on the amount you are sending. For smaller payments, usually under £2,000, $2,000, €2,000 or the equivalent, a small transfer fee may apply. These charges are typically much lower than the fees added by traditional banks.

For larger payments, many FX brokers do not charge a transfer fee at all. There can occasionally be costs from intermediary or receiving banks, although FX brokers are often able to absorb these. They usually earn through the exchange rate margin, which means they can still offer strong value on an international money transfer while covering their own costs.

Can I order travel money or cash through The Money Cloud?

No, we do not currently provide travel cash or foreign currency cash services. The Money Cloud is focused on helping people and businesses compare trusted providers for overseas payments and currency exchange.

Is my money safe with your partners?

The safety of customer funds is paramount to the FX partners we work with. They follow the relevant regulations in the countries where they operate and keep client money separate from business funds where required.

UK-based providers are authorised and regulated by the Financial Conduct Authority, known as the FCA. They must also meet capital requirements that help protect customers and support the stability of their business. For non-UK providers, we check that they are registered with the relevant authority in their own country.

How can you help me save money compared to a bank?

Banks often add a larger margin to the exchange rate they offer, as well as charging payment fees. The rates available through The Money Cloud are typically more competitive than those offered by high street banks.

Typical savings can range from 0.25% to 4% of the amount being sent. Our comparison tables demonstrate this through the “You save” feature, so you can see the potential difference before choosing a provider for your international money transfer.

How do The Money Cloud and your FX partners make money?

The exchange rate shown on many online currency converters is usually the interbank rate. This is the rate used when banks trade very large amounts of currency with each other, and it is not normally the rate offered to customers.

FX providers make money through the margin between the rate they receive and the rate they offer you. Because they buy currency in larger volumes, they can often offer better rates than banks while still making a fair margin. The Money Cloud may receive a share of this margin when we introduce you to one of our partners.

Can I lock in an exchange rate for a later date?

Yes, you can agree on an exchange rate now for a payment you plan to make in the future. This is known as a forward contract and can be arranged up to three years ahead.

You may need to pay a deposit when the contract is agreed, with the remaining balance due when payment is completed. If exchange rates move against you, you may be asked to add to the deposit. Your dealer will explain how this works before anything is finalised.

What if I am unhappy with the service I receive from you or your partners?

If your concern relates to a transaction or the service provided by one of our partners, please contact us as soon as possible. We will look into the matter and help you work towards a resolution.You can contact us at: general@themoneycloud.com

Have any questions?

Want to know more about international money transfers and the service we offer? Feel free to drop us a line, tweet us your thoughts or come and visit anytime; we’d be happy to help.

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© The Money Cloud Ltd (2024) Registered inEngland and Wales – Company Number 07290173 | Data Protection Registered:ZA056825

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