Online Transfers

Your UK high street bank offers international money transfer as part of its service.

At HiFX, online money transfer is our business.

Built from our experience of managing billions in foreign exchange each year, HiFX has created a simple online international payments service.

HiFX Online provides you with the quickest and easiest way to convert £50 – £300,000 online at the touch of a button wherever you have access to the internet and as we’re online, there’s no having to telephone your broker or stand in line at the foreign exchange counter of your local bank. Transfer with HiFX now.

For larger transfers, you can also take advantage of the personal service available via our Telephone Transfers service.

Features & benefits

How itworks

Currenciesavailable

Commonquestions

At aglance

It’s quick to sign up, free and you get all of these great benefits:

Save Time & Money with Online Money Transfers at HiFX
Move money, pay people, settle bills.
Save time and money by sending your international money transfers the easy way...
Manage your international money transfers when it suits you and benefit from:
Highly competitive online foreign exchange rates saving you money on each and
every transfer.
A variety of payment methods including debit card, credit card and electronic wire transfers to suit your requirements.

Sign up today

It's easy and you could be making a transfer within 10 minutes...

Live Exchange Rates from HiFX
MyHIFX personalised currency tools.
Let us be your eyes and ears in the market.
Designed to keep you one step ahead, MyHiFX enables you to set personalised rate alerts, access live customer rates, monitor your key currencies and make international payments – all in a few clicks.

Be the first to know.
So for example, if you'd like to know when the Euro next hits €1.25 or the US dollar hits $1.65 simply tell us and we'll automatically alert you by email when your target rate is reached.

Get connected today.
Make sure you don't miss out when the markets are in your favour! Simply sign up today and you’ll get immediate access to both MyHiFX and bank beating exchange rates on all your international payments within minutes.

Sign up today
24/7 Account Management at HiFX
Manage your account 24/7 whenever it suits you.
Get quotes, make transfers and track payments wherever you have access to the internet.

Let us be your eyes and ears in the market so you’re the first to know.
Designed to keep you one step ahead, MyHiFX enables you to set personalised rate alerts, access live customer rates, monitor your key currencies and make international payments – all in a few clicks. So for example, if you'd like to know when the Euro next hits €1.25 or the US dollar hits $1.65 simply tell us and we'll automatically alert you by email when your target rate is reached.

Make a transfer
With HiFX Online you simply log in to your account to get a quote before transferring your currency to accounts worldwide. When making a transfer you’ll automatically receive an email with the details of the transaction for your records and complete peace of mind.

Track the progress of your payment
When you want to track the progress of your transactions and view any actions you are required to take, simply log in to HiFX Online. There’s even a handy diary function that keeps track of when all your payments are due and tells you what actions you are required to take. Best of all you can keep track of transactions and manage your account 24 hours a day, seven days a week.

Manage the accounts you pay regularly
With HiFX Online you can set up and save the details of multiple recipients saving you time and making it even easier when making payments in the future.

Access your complete account history
Looking for a particular transaction? Review your full account history and see a summary of all your payments online. All transaction documentation is available for you to save on your computer or can be printed if you need a hard copy.

Sign up today

It’s easy and you could be making a transfer within 10 minutes…

Secure Currency Exchange with HiFX
Your security is our priority
We work hard to keep your money safe and use the same security as 97 of the World's 100 largest banks and over 93% of Fortune 500 companies.
Regulatory information
HiFX Europe Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, registration number 462444, for the provision of payment services. HiFX Europe Limited is also a registered MSB with HM Revenue & Customs – registration number 12131222

Security of Funds
When buying or selling currency with us, your funds are held either in pooled client trust bank accounts or are held at one of our counterparty brokers as cash in transit or collateral to meet our obligations relating to clients’ trades. Funds can be used to fulfil the contractual obligations of our clients but will never be anywhere other than:

-In the segregated client accounts.
-With our banking counterparties.
-In transit i.e. being sent.

Online security
HiFX Online is Norton secured. The Norton seal is the most recognised trust mark on the internet and helps companies and consumers all over the World engage in trusted communications and commerce billions of times every day. 97 of the World's 100 largest SSL-using banks and over 93% of Fortune 500 companies use SSL Certificates sold by Norton. In addition, Norton secures more than one million Web servers worldwide, more than any other Certificate Authority.

For more information read our Guide to Staying Safe Online

Payments & settlements
As one of the UK’s largest currency specialists, HiFX has access to SWIFT, the world's largest payments and settlements network for domestic and international trades. This ensures HiFX clients benefit from faster payments and enhanced security.

Sign up today
A Choice of Payment Options at HiFX
Choose how you pay
To make your life easier, HiFX accepts a wide variety of payment methods.
HiFX Online accepts a wide range of debit and credit cards and you can also make payments to HiFX via electronic transfer (i.e. BACS and CHAPS).

Transaction value UK Registered credit or debit card Electronic transfer
£50 to £20,000.00
£20,000.01 to £70,000
£70,000.01 to £300,000


Sign up today

A Choice of Payment Options at HiFX
Share HiFX with your friends and receive a big thank you from us
Share HiFX with your friends and we'll reward you both.
If you use HiFX and like our service, why not share us with your friends?

Tell a friend about us and if they use our service we'll reward both of you with a £10 amazon.co.uk gift certificate to say thanks.

For full information about sharing HiFX with your friends, including how to refer them, and terms and conditions click here.
Online Money Transfer Help & Support from HiFX
Help and support
We understand that making international money transfers can seem a little daunting. We’re here to help.
Got a question? Need a little support? Get the answers you need from our online help service or contact our UK based Customer Services Team.

Sign up today

Sign up

Signing up is quick, free and can be done 24 hours a day. It carries no obligation to trade and you’ll also get access MyHiFX. Designed to keep you one step ahead, MyHiFX enables you to set personalised rate alerts, access live customer rates, monitor your key currencies and make international payments – all in a few clicks. You’ll receive on-screen confirmation of your account details and we’ll also automatically send you an email with everything you need to know to make your first transfer.

Get a quote

Log in, check the rate and get a quote in seconds. Simply select the currencies you wish to convert from and to and the amount you require. The live exchange rate will update continuously showing you whether the movement is up or down. Unlike other online services, with HiFX the rate you see is the rate you get.

Tell us who you want to pay
Save time by setting up a library of regular recipients’ account details. If you tell us to, we’ll even keep recipients up to date with payments via email so you don’t have to.
Send us your funds
To make your life easier, depending on the amount, you can choose to pay via debit/credit card or electronic transfer (BACS/CHAPS). You’ll receive on-screen confirmation and an auto-email with a summary of the transaction and directions on how to make the payment. Tell us to and we’ll also auto-confirm via SMS when your transaction is completed.
We send your funds on

With access to SWIFT, the world's largest payments and settlements network for domestic and international trades you’ll benefit from faster payments and enhanced security. We also offer SEPA payments where appropriate.

Track payments
Track your payments online. Request SMS or email notification for extra peace of mind. With HiFX Online you can also manage your account 24/7; change usernames, addresses and passwords or use the diary function to remind you what to do, when.

It’s really that simple!

Euro *
$ US Dollar *
AU$ Australian Dollar *
NZ$ New Zealand Dollar *
$ Canadian Dollar *
د.إ UAE Dirham *
R South African Rand
kr Danish Krone *
$ Hong Kong Dollar *
CHF Swiss Franc *
¥ Japanese Yen *
Czech Koruna *
Ft Hungarian Forint*
kr Norwegian Krone *
Polish Zloty *
$ Mexican Peso
kr Swedish Krona *
฿ Thai Baht
$ Singapore Dollar *
Rs Indian Rupee
£ Sterling *
.د.ب Bahraini Dinar *
TRY New Turkish Lira
Israeli Shekel
د.ك Kuwaiti Dinar *
د.م. Moroccan Dirham

The currencies marked with * are available to sell online, as well as buy.

Q.
How do I sign up?
A.
Opening a HiFX foreign exchange account is quick and easy and can be done 24 hours a day. It carries no obligation to trade and you’ll also get access MyHiFX. Designed to keep you one step ahead, MyHiFX enables you to set personalised rate alerts, access live customer rates, monitor your key currencies and make international payments – all in a few clicks and at bank beating exchange rates.

Q.
What sort of computer do I need?
A.
We’ve made sure HiFX Online works with a wide range of PC and Mac browsers which have a reasonable market share (but not beta or dev versions). If you have a PC it will need to have Internet Explorer (I.E.) 7 or later.
Q.
I live outside of the UK. Can I use your online service?
A.
Yes, but due to the high levels of security we have in place to protect our customers, we are unable to automatically verify overseas addresses and identities. We will need scanned copies of your ‘Proof of Address’ and ‘Proof of Identity’. Depending on your country of residence, we may then post you an ‘Activation Code’ that you must confirm you have received. Please note, we are unable to offer our money transfer services to clients located in the United States of America (USA) and Quebec (Canada). For clients located in other Canadian provinces we can provide spot transfers (but not forwards or regular payment agreements).

All clients located outside of the United States and Canada can still use the service and make international payments to / from the United States of America (USA) and Canada.
Q.
Do you accept payment by non-UK credit/debit cards?
A.
While we currently cannot accept debit and credit cards which are not registered to a UK address, as an overseas client you can still take advantage of the discounted rates online by arranging an electronic transfer via BACS or CHAPS.
Q.
What happens when I sign up?
A.

We’ll give you a Client Number and you’ll be asked to create your own username and password. Keep this information safe – you’ll need it every time you log in.

Q.
What if the currency I want to send is not listed?
A.
We provide all the most popular currencies online. For a wider range of transactions (amounts of £10,000 and above) please call +44(0)1753 859 159 to discuss your requirements.
Q.
What types of transactions can I undertake online?
A.
Only Spot (buy now, pay now) transactions can take place online. For Forward transactions (that allow you to fix the exchange rate for up to 12 months) and Regular Transfers, please call our Customer Services Team on +44(0)1753 859 159. They will discuss your requirements and explain the best options depending on your individual circumstances.
Q.
How is my exchange rate calculated?
A.
This depends on a number of factors:

- The amount you’re transferring.
- The currency you’re buying.
- The exchange rates at the time of purchase.

Your payment method. Credit card payments incur a processing fee of 1.6%. Please note this is factored into the rate you are offered and not charged separately.
Q.

Are there any fees?

A.
We believe in fairness and total transparency saving you money. There are no transfer fees for amounts of £3,000 (or currency equivalent) and above. For amounts below this a £9 fee will apply. All fees incurred are clearly displayed throughout the transaction process.
Sold Ccy Fee Amount
AED 54
AUD 15
BHD 5
CAD 15
CHF 13
CZK 300
DKK 80
EUR 10
GBP 9
HKD 110
HUF 3,240
JPY 1,500
KWD 4
NOK 90
NZD 18
PLN 45
SEK 95
SGD 18
USD 15
*This does not include the cost of you transferring the funds to HiFX and any charges incurred where the funds being sent are in a different currency to the destination bank account.
Q.
How does HiFX make money?
A.

Like your high street bank we make our money in the difference between our buy and sell prices i.e. the spread. Unlike your bank, we have much lower overheads and buy huge volumes of currency each year, so we can pass these extra savings on to you.

Q.
What payment methods can I use online?
A.
HiFX Online accepts a wide range of debit and credit cards and you can also make payments to HiFX via electronic transfer (i.e. BACS and CHAPS and Faster Payments).

Transaction value UK Registered credit or debit card Electronic transfer
£50 to £20,000.00
£20,000.00 to £70,000
£70,000.01 to £300,000

For cards registered outside the UK, please see "Do you accept payment by non-UK credit/debit cards?"

Credit card payments incur a processing fee of 1.6%. Please note this is factored into the rate you are offered and not charged separately.

Please note that if you are paying via electronic transfer, the account to which you send your funds will be a currency account based in the U.K. If you are sending funds from an overseas bank account, we recommend that you confirm that you can readily access your funds before you complete a transaction with us.
Q.
How much can I transfer using HiFX Online?
A.

A minimum of £50 and a maximum of £300,000 per online transaction, to a limit of £300,000 each day. For larger transactions please call our Customer Service Team on +44(0)1753 859 159 (Option 3).

Q.
Is my money safe with HiFX?
A.
HiFX Europe Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, registration 462444, for the provision of payment services. HiFX Europe Limited is also a registered MSB with HM Revenue & Customs – registration number 12131222

Online Security
HiFX Online uses Norton – the system preferred by 97% of the World’s top 100 banks and 93% of Fortune 500 companies. Norton is also used billions of times a day by companies and consumers across the World.

Security of Funds
When buying or selling currency with us, your funds are held either in pooled client trust bank accounts or are held at one of our counterparty brokers as cash in transit or collateral to meet our obligations relating to clients’ trades. Funds can be used to fulfil the contractual obligations of our clients but will never be anywhere other than:

- In the segregated client accounts.
- With our banking counterparties.
- In transit i.e. being sent.

Some additional facts and figures about HiFX include:
Last year HiFX advised on and executed over £9billion in foreign exchange and is trusted by over 40,000 people and 2,000 corporate clients each year around the World.

In 2014 HiFX was acquired by Nasdaq listed Euronet Worldwide, Inc. (EEFT)
Euronet has a market capitalisation in excess of $2billion and an investment grade balance sheet. Last year the Euronet group processed 2.3 billion transactions and posted annual revenues of approximately $1.3billion. HiFX’s accounts can be viewed here.


HiFX has offices in both the northern and southern hemispheres and a workforce of over 200 employees.

We have in excess of £2billion placed on the Money Markets on behalf of our commercial customers.
Q.
Are my details and personal information protected?
A.
Our online services are fully encrypted using the highest form of security certificates provided by Norton.
Q.
What is HiFX’s Privacy Policy?
A.
We are committed to protecting your privacy both on and offline. A copy of our Privacy Policy can be found here.

Nuts & Bolts
Minimum transfer size
£50
Maximum transfer size
£300,000
Online transfers
Online sign up
Automated ID Checks
Currencies available
GBP, EUR, USD, AUD, NZD, CAD, CHF to 19 currencies
Speed
1-3 days
Service availability
24 hours a day 7 days a week
Security
Norton security
3d security
Segregated client accounts
Data protection
Authorised by the FCA
HMRC registered
Fees & Charges
Commission
FREE
Transfer charges
£3,000+ FREE. £9 for amounts below £3,000.
Transfer Options
Spot
Keeping You In Touch
SMS notifications
Email notifications
24 hour online account management
24 hour online payment tracking
Access to daily rates
Access to weekly market commentary
Access to live charts & interbank rates
Payment Methods
Debit card
Credit card
BACS
CHAPS
Refer a friend Why people value HiFX?
 
World class security