About us

About The Money Cloud



We’re an international money transfer comparison site that’s focused on giving you clear, honest information, so you can choose the best way to send money overseas.

Trust and value are at the heart of The Money Cloud. We want to give you the confidence to try more cost-effective ways of transferring money abroad, rather than just accepting expensive bank fees. Right now there’s a real drive for change in the international money marketplace, and we’re here to address that. For the past few decades hidden charges, complicated terms and conditions, and a serious lack of clear, educative resources has made it difficult for people to find the cheapest way to send money.

We’ve designed The Money Cloud to show you how to do that, providing the facts you need to make an informed decision. We display the live, true exchange rates – not the ones banks only give to each other, which is often what’s advertised. We deliver dynamic search results for a huge range of 144 currencies. We publish straightforward guides and update you on all the latest money transfer developments, making you the expert.

Our site helps you save money by referring you to specialist, regulated foreign exchange brokers. They’re the market leaders, with the best currency and commission rates for international money transfers.

How it all started

Our founders, Huw Jenkins and Emmanuel Addy, have been at the forefront of this industry for over a decade, setting up the world’s first international money transfer comparison site back in 2004.

Huw, a tech innovator, and Emmanuel, a former solicitor, started working together 13 years ago. They met at a company that provided research, publishing and event management services in the finance field, for the public and private sectors. Public sector clients included the World Bank, Department For International Development, United States Agency for International Development, International Fund for Agricultural Development, the Commonwealth Secretariat and many governments and diplomatic missions from Africa and Asia. Private sector clients included Barclays, Visa International, Monsanto and Unilever.

In 2004, they led a campaign to make consumers more aware of their options when transferring money abroad. They’d recently won a UK government contract to publish a report on migrant remittances from the UK, and it highlighted just how hard it was to find clear, concise information on the subject. So as part of the campaign, they developed a public service information website. It compared the fees and services of money transfer companies and banks for emerging market economies.

The aim was to provide previously inaccessible yet crucial information to those sending and receiving remittances, and make it far more transparent. Huw and Emmanuel believed – and still do – that higher quality information on money transfer services shouldn’t just help customers find the right service for them. It should also promote healthy competition between money transfer providers, ultimately reducing costs and improving that service.

Over the past 11 years, they’ve been analysing and reviewing how individuals and companies make their international payments. Using their knowledge and experience, Huw and Emmanuel are now launching The Money Cloud to bring more clarity than ever to the money transfer market. The team is completed with marketing expertise from Nopadon Wongpakdee and product development as well as financial expertise from Ozodbek Kamildjanov.

We won't just tell you we've found you the best foreign exchange deal available. We’ll show you exactly how we got there and explain how to make your transfer work harder for you, so you can have complete confidence in your decision. Armed Forced Covenant PDF.

The Money Cloud Team

Ron Zeghibe

Ron Zeghibe - Chairman
• Founder and Chairman of black cab app, Hailo
• Chairman of Hassle.com from 2012 until its sale in 2015
• CEO of Maiden Group plc from 1993 until its sale in 2006
• Ex-Vice President of Corporate Finance at Salomon Brothers

Emmanuel Addy

Emmanuel Addy - Founder/ CEO
• Emmanuel has been work in the FX industry, comparing money transfers for over 12 years
• Qualified and practiced litigation solicitor
• Managed inward investment publications for governments of South Africa, Botswana and Ghana
• Speaker at global summits including Commonwealth Heads of Government Meeting
• Contributor to BBC Radio 4’s Money Box programme, The Times and The Telegraph

Huw Jenkins

Huw Jenkins - Founder/ CTO
• Huw has been work in the FX industry, comparing money transfers for over 12 years
• Technical development specialist with more than 10 years’ experience in the FX and money transfer sector
• Publishing experience - former account manager to Visa International, Barclays Africa and The Royal Agricultural Society for the Commonwealth
• Winner, BT Essence of the Entrepreneur Award 2009

Ozodbek Kamildjanov

Ozodbek Kamildjanov - Head of Product Development
• Ozodbek manages product development and project management aspects of The Money Cloud.
• Combines strong financial markets knowledge and FX products understanding with project management and software development skills.
• Held roles in the banking industry, lead government projects and advised state committees in Uzbekistan.
• Obtained a MSc Accounting and Finance from the London School of Economics and Political Science (LSE)

Compare

EUR
Euro
USD
United States Dollars
EUR
Euro
GBP
United Kingdom Pounds
AUD
Australia Dollars
NZD
New Zealand Dollars
CAD
Canada Dollars
HKD
Hong Kong Dollars
INR
India Rupees
PLN
Poland Zlotych
ILS
Israel New Shekels
ZAR
South Africa Rand
CHF
Switzerland Francs
AFN
Afghanistan Afghanis
ALL
Albania Leke
AMD
Armenia Drams
AED
United Arab Emirates Dirhams
ARS
Argentina Pesos
BAM
Bosnia and Herzegovina Convertible Marka
BBD
Barbados Dollars
BDT
Bangladesh Taka
BGN
Bulgaria Leva
AZN
Azerbaijan New Manats
BHD
Bahrain Dinars
BMD
Bermuda Dollars
BND
Brunei Dollars
BOB
Bolivia Bolivianos
BRL
Brazil Reais
BSD
Bahamas Dollars
BTN
Bhutan Ngultrum
BWP
Botswana Pulas
BYR
Belarus Rubles
BZD
Belize Dollars
CDF
Congo/Kinshasa Francs
CLP
Chile Pesos
CNY
China Yuan Renminbi
Colombia Pesos
CRC
Costa Rica Colones
CUP
Cuba Pesos
CZK
Czech Republic Koruny
DJF
Djibouti Francs
DKK
Denmark Kroner
DOP
Dominican Republic Pesos
EEK
Estonia Krooni
EGP
Egypt Pounds
ETB
Ethiopia Birr
FJD
Fiji Dollars
FKP
Falkland Islands Pounds
GGP
Guernsey Pounds
GHS
Ghana Cedis
GIP
Gibraltar Pounds
GTQ
Guatemala Quetzales
GYD
Guyana Dollars
HNL
Honduras Lempiras
HRK
Croatia Kuna
HUF
Hungary Forint
IDR
Indonesia Rupiahs
IMP
Isle of Man Pounds
IRR
Iran Rials
ISK
Iceland Kronur
JEP
Jersey Pounds
JMD
Jamaica Dollars
JOD
Jordan Dinars
JPY
Japan Yen
KES
Kenya Shillings
KGS
Kyrgyzstan Soms
KHR
Cambodia Riels
KPW
North Korea Won
KRW
South Korea Won
KWD
Kuwait Dinars
KYD
Cayman Islands Dollars
KZT
Kazakhstan Tenge
LAK
Laos Kips
LBP
Lebanon Pounds
LKR
Sri Lanka Rupees
LRD
Liberia Dollars
LTL
Lithuania Litai
LVL
Latvia Lati
MAD
Morocco Dirhams
MKD
Macedonia Denars
MNT
Mongolia Tugriks
MRO
Mauritania Ouguiyas
MUR
Mauritius Rupees
MXN
Mexico Pesos
MYR
Malaysia Ringgits
MZN
Mozambique Meticais
NAD
Namibia Dollars
NGN
Nigeria Nairas
NIO
Nicaragua Cordobas
NOK
Norway Kroner
NPR
Nepal Rupees
OMR
Oman Rials
PAB
Panama Balboas
PEN
Peru Soles
PHP
Philippines Pesos
PKR
Pakistan Rupees
PYG
Paraguay Guarani
QAR
Qatar Riyals
RON
Romania Lei
RSD
Serbia Dinars
RUB
Russia Rubles
SAR
Saudi Arabia Riyals
SBD
Solomon Islands Dollars
SCR
Seychelles Rupees
SEK
Sweden Kronor
SGD
Singapore Dollars
SHP
Saint Helena Pounds
SOS
Somalia Shillings
SRD
Suriname Dollars
SVC
El Salvador Colones
SYP
Syria Pounds
THB
Thailand Baht
TJS
Tajikistan Somoni
TND
Tunisia Dinars
TRY
Turkey Lira
TTD
Trinidad and Tobago Dollars
TWD
Taiwan New Dollars
TZS
Tanzania Shillings
UAH
Ukraine Hryvnia
UGX
Uganda Shillings
UYU
Uruguay Pesos
UZS
Uzbekistan Sums
VEB
Venezuela Bolivares
VND
Vietnam Dong
XCD
East Caribbean Dollars
YER
Yemen Rials
ZMW
Zambia Kwacha
ZWD
Zimbabwe Dollars
USD
United States Dollars
USD
United States Dollars
EUR
Euro
GBP
United Kingdom Pounds
AUD
Australia Dollars
NZD
New Zealand Dollars
CAD
Canada Dollars
HKD
Hong Kong Dollars
INR
India Rupees
PLN
Poland Zlotych
ILS
Israel New Shekels
ZAR
South Africa Rand
CHF
Switzerland Francs
AFN
Afghanistan Afghanis
ALL
Albania Leke
AMD
Armenia Drams
AED
United Arab Emirates Dirhams
ARS
Argentina Pesos
BAM
Bosnia and Herzegovina Convertible Marka
BBD
Barbados Dollars
BDT
Bangladesh Taka
BGN
Bulgaria Leva
AZN
Azerbaijan New Manats
BHD
Bahrain Dinars
BMD
Bermuda Dollars
BND
Brunei Dollars
BOB
Bolivia Bolivianos
BRL
Brazil Reais
BSD
Bahamas Dollars
BTN
Bhutan Ngultrum
BWP
Botswana Pulas
BYR
Belarus Rubles
BZD
Belize Dollars
CDF
Congo/Kinshasa Francs
CLP
Chile Pesos
CNY
China Yuan Renminbi
Colombia Pesos
CRC
Costa Rica Colones
CUP
Cuba Pesos
CZK
Czech Republic Koruny
DJF
Djibouti Francs
DKK
Denmark Kroner
DOP
Dominican Republic Pesos
EEK
Estonia Krooni
EGP
Egypt Pounds
ETB
Ethiopia Birr
FJD
Fiji Dollars
FKP
Falkland Islands Pounds
GGP
Guernsey Pounds
GHS
Ghana Cedis
GIP
Gibraltar Pounds
GTQ
Guatemala Quetzales
GYD
Guyana Dollars
HNL
Honduras Lempiras
HRK
Croatia Kuna
HUF
Hungary Forint
IDR
Indonesia Rupiahs
IMP
Isle of Man Pounds
IRR
Iran Rials
ISK
Iceland Kronur
JEP
Jersey Pounds
JMD
Jamaica Dollars
JOD
Jordan Dinars
JPY
Japan Yen
KES
Kenya Shillings
KGS
Kyrgyzstan Soms
KHR
Cambodia Riels
KPW
North Korea Won
KRW
South Korea Won
KWD
Kuwait Dinars
KYD
Cayman Islands Dollars
KZT
Kazakhstan Tenge
LAK
Laos Kips
LBP
Lebanon Pounds
LKR
Sri Lanka Rupees
LRD
Liberia Dollars
LTL
Lithuania Litai
LVL
Latvia Lati
MAD
Morocco Dirhams
MKD
Macedonia Denars
MNT
Mongolia Tugriks
MRO
Mauritania Ouguiyas
MUR
Mauritius Rupees
MXN
Mexico Pesos
MYR
Malaysia Ringgits
MZN
Mozambique Meticais
NAD
Namibia Dollars
NGN
Nigeria Nairas
NIO
Nicaragua Cordobas
NOK
Norway Kroner
NPR
Nepal Rupees
OMR
Oman Rials
PAB
Panama Balboas
PEN
Peru Soles
PHP
Philippines Pesos
PKR
Pakistan Rupees
PYG
Paraguay Guarani
QAR
Qatar Riyals
RON
Romania Lei
RSD
Serbia Dinars
RUB
Russia Rubles
SAR
Saudi Arabia Riyals
SBD
Solomon Islands Dollars
SCR
Seychelles Rupees
SEK
Sweden Kronor
SGD
Singapore Dollars
SHP
Saint Helena Pounds
SOS
Somalia Shillings
SRD
Suriname Dollars
SVC
El Salvador Colones
SYP
Syria Pounds
THB
Thailand Baht
TJS
Tajikistan Somoni
TND
Tunisia Dinars
TRY
Turkey Lira
TTD
Trinidad and Tobago Dollars
TWD
Taiwan New Dollars
TZS
Tanzania Shillings
UAH
Ukraine Hryvnia
UGX
Uganda Shillings
UYU
Uruguay Pesos
UZS
Uzbekistan Sums
VEB
Venezuela Bolivares
VND
Vietnam Dong
XCD
East Caribbean Dollars
YER
Yemen Rials
ZMW
Zambia Kwacha
ZWD
Zimbabwe Dollars