International payments for you – convenient, reliable, great value

Whether you're making monthly overseas mortgage payments, international pension transfers or making a one-off money transfer, we make international payments easy. Use our online payment system or call us and we’ll transfer the funds for you. Simple.

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Simple, low cost international payments online

Send, receive, convert and manage your foreign currency online or with help your own Account Manager.

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We’ll save you money

  • Free transfers and zero commission
  • Live, bank-beating exchange rates
  • The rate you see, is the rate you get

We’ll save you time

  • Make international payments between £100 and £50,000
  • Access your account online, 24 hours a day, 7 days a week
  • Buy 23 different currencies within your online account

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Expert, reliable currency exchange services

Send, receive and convert your foreign currency with the help of our specialist Account Management team. We can help you devise a foreign exchange strategy or simply assist you with the transfer of your funds. 

Here are few ways we can help:

Money transfer graph

Spot contract

If you are looking to transfer currency within the immediate future, a spot contract could be for you. The exchange rate quoted on the day is the price you will receive. This is suitable for single and regular payments.

Transfer Money Spot contract

Forward contract

If you have future currency exposure, a forward contract could be for you. You can exchange currency at a fixed rate on a date in the future, up to one year in advance. Usually a deposit is required. For more information on how to manage your exposure, please call our team.

Transfer Money abroad

Currency options

Another way of managing future currency exposure is to buy an option. This allows you to choose whether to trade at the option rate or the rate on the day. A premium is required to enter this contract.

Ready to learn more? Get in touch: 0845 658 2223

International Payment Reviews

An international payment service you can trust

Ready to start saving? The next bit is easy - become a Caxton FX client. It's free to join.

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How do we compare?Caxton FXAvg Bank*
Dedicated personal Account manager
Rate tracking service
Zero Commission
London based currency specialists
Transfer fee Free £25

*Average calculated from 5 major UK banks

Caxton FX provides fantastic value

Want to receive great value when making international payments?

Exchange rates, transfer fees and commissions can quickly eat away at your funds, when making an international payment. At Caxton FX, we help alleviate some of these unnecessary costs with our fee-free foreign exchange service.

You’ll save every time you transfer money. We may have already mentioned this, but our fee-free service really does help you save money compared to your bank.

We make international payments easy

Your currency exchange needs are unique. So is our Currency Account service. Here are a few ways we can help you:

Villa Payments

The cost of a holiday can soon mount up. Don’t pay extra on villa rentals by using your bank - save hundreds of pounds by transferring funds through Caxton FX.

Overseas Property Purchase

Buying an overseas property? Using Caxton FX to buy property abroad will save you a packet compared to the banks.

Overseas Mortgage Payments

Save every month by making your international mortgage payments through Caxton FX.

Overseas Weddings

Increase your wedding budget, not your banks profits. Make your day extra special with big savings on your overseas wedding using our online international payment service.


Moving to a new country? Save yourself unnecessary bank fees with our great value international payments service.

Sending Money Home

If you’re an expat, the cost of sending money home with your bank can soon add up. Avoid the poor exchange rate and get more for your money with Caxton FX.

International Pension Transfers

Repatriate your international pension with a great exchange rate and no fees through Caxton FX.

For more information read our FAQ guides

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Ready to make an international payment?

Let our existing customer’s help you decide.

"Caxton FX provides great value, is effortless to use and the staff provide a fantastic service when I need to get in touch." Mike Stanley

"The service is really friendly and efficient, Caxton FX consistenly beats the rate my bank offers." Sarah du Heaume.

"Everything was arranged to fit in with our move schedule and Caxton FX got us much more than our bank would have done. We couldn't have asked for a better service” Anne Mason

Want to save money? Ready for a simple way to transfer currency?

The next bit is easy. Become a Caxton FX client. It's free to join. Create a transfer and send us your funds.

We'll convert your currency, at a great rate, and send it on to your payee, at a time that suits you. Simple.

Apply Now

Any questions about Caxton FX international payments?

We’ve provided brief answers to many of the questions people ask about Caxton FX and our online payment service.

How do I open a Caxton FX account with Caxton FX?

Opening an international online payments account with Caxton FX is quick, free and simple. Click on the 'Apply now' button, and complete the application form - it'll only take a couple of minutes. You'll need your bank details in order to complete the application.

I have opened an account. When will I be able to make an international transfer?

We will open an account within a matter of hours and you will be able to transfer foreign currency abroad immediately. If you need to make a payment urgently, call us on 0845 658 2223 and we will ensure you can make your payment as soon as possible.

I have opened my account online. What do I do next?

You will receive an email either confirming that your account open or that we need further documentation.Your account confirmation email will provide instructions on how to obtain your log-in details for your new account. If you have a query about your account or log-in details, please call our helpdesk on 0845 658 2223.

What rate will I get?

Log in to your Caxton FX account and select the currency you wish to transfer. This will display the 'live' exchange rate for that particular currency. If you are looking to transfer a larger amount (ie over £20,000) or discuss a currency strategy, please call us on 0845 658 2223 to discuss your needs and for a rate quote.

How do I check the current rate?

We offer live exchange rates within our online payment service – Caxton FX FastPay. You can view the rate on any of our 23 currencies we offer online, by logging in to your account and selecting your desired currency.

What fees do you charge for sending money abroad?

Caxton FX does not charge any fees for sending money abroad.

How do I save money?

On a typical transaction we can help you get up to 4% more money for your money, in comparison with the banks. This is because we will offer you a more competitive exchange rate and do not charge any transfer or commission fees.

Can I fix an exchange rate for a date in the future?

You can fix an exchange rate for a date in the future by using our telephone currency service. You will need to be transferring over £5,000. This facility is not currently available on our international online payment system – Caxton FX FastPay.

What is the minimum amount of currency I can transfer abroad?

You can transact any amount over £100. All international transfers are fee-free with Caxton FX, regardless of the amount you transfer. So whether you need to send money home, make monthly mortgage repayments or send a one-off payment overseas, our online service provides a flexible and cost effective solution.

What is the maximum amount of currency I can transfer abroad?

You can transact a maximum of £50,000 when using our Caxton FX FastPay service. If you wish to transfer currency over this amount, you can use our Telephone transfer Service, by calling 0845 658 2223.

How long will it take me to make an international transfer online?

You can make an international payment in three simple steps. You can complete these steps in a matter of minutes.

  1. Choose the currency and amount that you wish to transfer.

  2. Add your beneficiary details.

  3. Make your international payment.

If you do need further information you can watch our Online Payment demo or call us on 0845 658 2223.

What is a beneficiary?

A beneficiary is the payee or the details of the account to which you wish to send money overseas. Call us on 0845 658 2223 to discuss your needs and for a rate quote.

How do I add a new beneficiary?

Once you have selected your currency and the amount you wish to transfer overseas, you will be asked to enter your beneficiary details. Simply follow the instructions on screen and enter the details. Our easy-to-use system will also store your beneficiary details, for ease of use and to help with your record-keeping.

How do I add a new debit card when making a transfer?

Once you have selected your currency, the amount you wish to transfer overseas and your beneficiary details, you will be asked to enter your debit card details. Simply follow the instructions on screen and enter the details. If you wish to use a debit card that you have previously used, simply select the debit card from the drop down navigation.

What currencies do you offer?

We offer a selection of currencies to suit your international transfer needs. We currently offer 23 currencies within our online payment system.

AUD Australian dollar

CAD Canadian dollar

CHF Swiss franc

CZK Czech koruna

DKK Danish kroner

ED UAE dirham

EUR Euro

GBP GB pound

HKD Hong Kong dollar

HUF Hungarian forint

ILS Israel shekels

INR Indian rupee

JPY Japanese yen

NOK Norwegian kroner

NZD New Zealand dollar

PLN Polish zloty

SAR Saudia riyal

SEK Swedish kroner

SGD Singapore dollar

THB Thai baht

TRY Turkish lira

USD US dollar

ZAR South African rand

If you need to transfer currency in a particular combination, or a currency that’s not listed, please call us on 0845 222 2658 and we’ll talk to you about our tailored Currency Service.

I want to find out more information about a specific currency. How do I do this?

You can speak to one of our Currency Analysts or your personal Account Manager for detailed information about any of the currencies that we transfer.

How long will it take for the funds to arrive in my account?

Once you have submitted your international payment, the time it takes for funds to arrive in your account will vary depending on the currency that you're sending.

  • Euro currency will take two working days, after Caxton FX has received your sterling.

  • All other currencies will take 3 working days, after Caxton FX has received your sterling.

My international transfer has failed. What do I do?

First, please check that the three-digit security code on the back of your debit card is correct and the expiry date is correct. If you've checked these two items and the payment still does not go through, you should contact your bank and confirm that they are not blocking the payment.

If you are still experiencing difficulty, after speaking to your bank, please contact the Caxton FX helpdesk by calling 0845 658 2223.

I have forgotten my Account ID or password. How do I access my account?

Please visit the login screen and click on the ‘Forgotten Account ID or Password' links, and follow the instructions. We cannot give you this information over the phone.

Is there a limit to the number of transfers I can make?

No. You can make as many international transfers as you need. We do ask that the amount you transfer online is between £100 and £20,000. If you need to transfer currency to an amount over £20,000 please call us on 0845 658 2223 for details about our Currency Services.

I already have a Currency Card account. Can I login and make an international payment using the same details?

No. If you are an existing Currency Card customer, we would ask that you still complete the short Open an Account application form on the website. You will be issued with separate log-in details.

I am currently making personal international payments. Can my company make international business payments through Caxton FX?

Yes. Your business can start using our online payment platform, today. You will need to set up a separate Business Online Payments account, and you can do so by clicking here. You will be issued with new log-in details. For more information on how Caxton FX can help save your business money and simplify your international payment process, please call our Business Team on 0207 201 0526.

Do you charge commission?

No. Caxton FX does not charge you commission and unlike our competitors, none of our sales staff is paid commission, meaning you will receive excellent value on each and every currency transaction.

How does Caxton FX make money?

The interbank rate is the rate at which banks and large financial institutions trade with each other. We make our money on the difference between the interbank rate and the rate we quote you. This is called a spread. The spread that we give to our clients is much better than the banks offer. We do not charge any fees or commission on top.

Is Caxton FX a regulated financial conduct company?

Yes. Caxton FX Limited is authorised and regulated by the Financial Conduct Authority under the Financial Services and Markets Act 2000 as well as the Payment Services Regulations 2009. For more information on the security of your funds please click here.

How do I cancel my currency card?

You have a legal right to cancel your currency card within 14 days of receiving it. Under these terms and conditions, you also have the right to cancel your currency card at any time after this 14-day period. If your currency card is cancelled, we will immediately block your card so it cannot be used. You will not be entitled to a refund of money you have already spent on transactions authorised, pending or any fees for use of the card before it is cancelled. You can cancel your currency card by sending an email to us using the Contact us function on the website or by calling us on 0845 222 2639 from the UK or +44 20 7201 0526 when calling internationally.

Buy and sell currency - with confidence

Whether you need to transfer currency back to the UK or send money overseas, we will provide you with excellent value foreign exchange transactions. You can transfer sterling, to and from, any of the 23 currencies below.

Flag -aed

 AED UAE Dirham

Flag -aud

 AUD Australian Dollar

Flag -cad

 CAD Canadian Dollar

Flag -chf

 CHF Swiss Franc

Flag -czk

 CZK Czech Koruna

Flag -dkk

 DKK Danish Kroner

Flag -eur

 EUR Euro

Flag -gbp

 GBP GB Pound

Flag -hkd

 HKD Hong Kong Dollar

Flag -huf

 HUF Hungarian Forint

Flag -ils

 ILS Israel Shekels

Flag -inr

 INR Indian Rupee

Flag -jpy

 JPY Japanese Yen

Flag -nok

 NOK Norwegian Kroner

Flag -nzd

 NZD New Zealand Dollar

Flag -pln

 PLN Polish Zloty

Flag -sar

 SAR Saudi Riyal

Flag -sek

 SEK Swedish Kroner

Flag -sgd

 SGD Singapore Dollar

Flag -thb

 THB Thai Baht

Flag -usd

 USD US Dollar

Flag -try

 TRY Turkish Lira

Flag -zar

 ZAR South African Rand

Looking for a currency that isn't listed above? Need more information about current market prices? Call 0845 222 2658 for more details.

Tell your friends and relatives about Caxton FX

Share this page your family and friends, informing them that they can save money on their international payments.

Dear #NAME

If you need to make an international payment, you'll want to know more about Caxton FX's fee-free online payment service

Designed for smaller payments between £100 and £50,000, you can transfer currency 24/7 and with no transfer fees. It's free to open an account, plus you'll get a really great exchange rate!

  • Transfer £100 - £50,000 at a click of a button
  • 24-hour convenience
  • Safe and secure transactions
  • Online account management
  • Authorised and regulated by the FCA

Caxton FX don’t charge transfer fees, unlike most high street banks, and their exchange rates are highly competitive – so every payment saves you money.

For more information and to apply today, visit

Kind regards,


International Payment Blog

We hope you’ve already joined us and are enjoying the benefits of a smarter way to send and spend abroad. Here you’ll find useful tips, advice and helpful hints about sending and spending money abroad, as well as current information about what we’re up to at Caxton FX.

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Beware fake reviews! Wednesday, April 16, 2014 At Caxton FX we’re constantly looking to improve the experience our customers have with every aspect of our business. From focus groups to surveys, customer feedback has always been a huge help in our efforts to consistently evolve. But we know it’s not just us who find feedback helpful. That’s why we've teamed up with reevoo, who collect unbiased reviews and ratings on our behalf.

But what about the fakers?
It may come as a surprise, but the reality is that many review services are rife with fake feedback. With reputation at stake, the unfortunate practice has become commonplace. Often written by businesses to either boost their own ratings or defame competitors, consumers should be aware that the review you read may have been left by an imposter.

What sets reevoo apart is their commitment to providing unfiltered and verified customer reviews, so you can rest assured you’re reading about 100% genuine customer experiences. Reevoo will only collect feedback from Caxton FX customers who have used our products or services and they will never change a review unless it’s deemed offensive. Plus there’s an actual human in place to make sure no fake feedback sneaks through!

To read customer reviews or find out more about how each review is collected, click here.