Send money abroad swiftly and safely
Make fast FX transfers at excellent exchange rates, with expert support over the phone or 24/7 transfers online and through the TorFX app.
Everyday currency transfers made easy
Sending money overseas couldn’t be simpler with TorFX. Use your online account or the TorFX app to send up to £25,000 24/7 – perfect for covering one-off payments, unexpected expenses, or transfers where speed and reliability are key.
You can also buy currency in advance and hold it in a secure digital currency wallet to use for future payments. And if you’d like guidance on how and when to move your money, or if you need to transfer a larger amount, you can speak to a friendly currency expert over the phone.
Why choose TorFX when sending money overseas?
With TorFX you get more than just a great rate. Enjoy expert support, award-winning service, and the peace of mind that your money is in safe hands.
Great exchange rates
We offer highly competitive exchange rates with zero transfer fees.
Send money 24/7
Transfer money anytime, anywhere, online or using our app.
Expert insights
Get insights from a currency specialist and market updates from our analysts.
Top-tier security
Your funds are protected by robust safeguarding systems and strict regulatory standards.
Fast, reliable transfers
Trusted by thousands worldwide, with award-winning service and an excellent Trustpilot score.
Personal support
Enjoy guidance from a dedicated account manager and round-the-clock customer support.
Best Personal Currency Broker 2026 - Good Money Guide Awards
TorFX has been voted Best Personal Currency Broker 2026 at the Good Money Guide Currency Awards, with customers overwhelmingly praising its personal service, competitive exchange rates and reliable international money transfers.
How to send money abroad with TorFX
Create an account
Open an account in minutes online or over the phone.
Get your rate
Secure an exchange rate online, through the TorFX app, or with your account manager.
Make a transfer
Send us the funds to exchange and we’ll do the rest.
When might you need to send money overseas?
Whether it’s helping out family, paying bills, or covering costs while you’re abroad, there are plenty of reasons you might need to send money overseas. With TorFX, it’s fast, simple, and secure.
Send money to family and friends abroad
Send money to loved ones abroad whenever they need a hand, whether it’s topping up living expenses or helping out in an emergency.
Pay overseas education costs
From tuition fees to accommodation or everyday essentials, we make it easy to support children or relatives studying overseas.
Manage overseas property expenses
Owning or buying property abroad can come with plenty of transfer needs, from paying service providers and contractors to covering maintenance and repair bills.
Pay for travel and lifestyle services overseas
Pay for overseas accommodation, holiday bookings, or services while travelling, and enjoy the freedom to manage your lifestyle across borders.
Cover one-off overseas bills and expenses
Clear unexpected utility bills, deposits, medical costs, or other occasional outgoings quickly and securely.
Send gifts and special occasion payments
Mark birthdays, weddings, and other milestones by transferring funds directly to friends and family overseas.
See why customers choose us for their everyday international money transfers
“TorFX have made my life easier and saved me a great deal of money.
Without fail, they are patient, supportive and do their utmost to help out… TorFX go the extra mile.”
Mary-Jane Ellinas
Send money abroad with the TorFX app
Stay in control wherever you are with the TorFX app. Transfer funds 24/7, track payments in real time, and manage your account securely from your phone.
Whether you’re at home or on the move, you’ll have fast, reliable transfers at your fingertips.
Other ways to transfer money internationally
Some currency transfers go beyond the everyday. If you’re sending larger amounts or want to set up recurring payments, we can help you simplify your transfers and make your money go further with specialist tools and expert support.
Large transfers
Security and strong exchange rates are vital for large transfers. We’ll keep your transfer secure and get you a great rate.
Regular transfers
Automate recurring payments like mortgages, pensions, and overseas expenses to make life easier and save money.
How we keep your funds safe
TorFX is authorised by the Financial Conduct Authority (FCA) as an Electronic Money Institution. This means we’re required to keep your money in secure, segregated accounts, separate from our business funds.
We follow strict safeguarding procedures, work only with trusted banking partners, and hold the highest level of creditworthiness with Dun & Bradstreet. As part of a global group handling billions in transfers each year, we maintain the highest standards – so you can move your money with confidence.
Refer a friend and receive £50
Get £50 each when you refer a friend, with no limit on the number of referrals.
Frequently asked questions about sending money abroad
You can send up to £25,000 online or through the TorFX app. For transfers over this amount, our large transfers service will help you secure the best possible exchange rate.
Most payments are processed quickly, and in many cases the funds arrive the same day. Exact timings depend on the currencies involved and banking hours in the destination country.
No, we don’t charge transfer fees on top of the agreed exchange rate. Our exchange rates include a small margin above the wholesale rate, which is how we cover our costs, but the rate you agree is the rate you get with no additional charges.
Yes. You can automate recurring payments such as mortgages, pensions or overseas expenses, making your transfers simple, reliable, and cost-effective. See our regular transfers page for more information.
Yes. We’re authorised by the FCA, have been operating since 2004, and hold the highest credit rating with Dun & Bradstreet. Client funds are held in segregated accounts for your protection. Read our security of funds page for more information.
No. You can transfer funds anytime through your secure online account, or by phone during business hours. The TorFX app simply gives you the same features on the go, with 24/7 access.
We like to get your money where it needs to be as quickly as possible. While the amount of time a transfer takes can depend on the currency, destination and receiving bank, the funds should be in your account on the same day or within no more than two working days for more exotic destinations.
At TorFX we pride ourselves on offering our customers excellent exchange rates. We also provide a rate improver guarantee so you can be confident you’re getting the most for your money.
When you search for an exchange rate online you’re usually seeing the interbank rate – a rate only available to major financial institutions. We aim to secure our customers exchange rates which are as close to the interbank rate as possible.
As exchange rates are highly volatile and fluctuate throughout the day, the exact exchange rate your transfer will be conducted at is set the moment your transfer is confirmed.
We provide live exchange rates on our online platform. All fees and charges are built into the rate quoted, so there are no hidden additions. The rate fluctuates throughout the day until you place an order.
Torfx do not charge a Fee. Any fees applied are those of intermediary or receiving banks. Please check with your bank for any potential fees.
While we don’t charge any transfer fees for our services, some fees may be applied to your transfer by other parties depending on the banks, countries or currencies involved.
Intermediary fees: When you send money internationally, most transfers are processed through the SWIFT network. This network safely routes your funds to the intended recipient, but it may involve one or more intermediary banks. These banks may charge a fee for their part in the transfer, potentially reducing the final amount received by the recipient.
Receiving fees: In addition to intermediary fees, some banks charge a fee to recipients for accepting international transfers, impacting the amount received.
You can check with your receiving or paying bank to confirm any fees that may apply.