How we can help you

Whatever the reason you need to send or receive money abroad, we can help you efficiently, securely and cost-effectively.

Our Exchange Rate Guarantee makes your money go further. There’s no commission to pay, and no sending and receiving fees either. We only charge a small transaction fee for amounts under £4,000, which is waived if using our Regular Payments service.

Here are some of the most common reasons why people use us time and time again – but if you have a specific need, do get in touch.

Buying a home abroad

Whether buying a holiday or retirement home abroad, you face a significant financial commitment. Making international payment through a high street bank could significantly increase the amount of your payment and incur additional transfer fees.

Our Exchange Rate Guarantee makes your money go further. There’s no commission to pay, and no sending and receiving fees either.

With the RationalFX Forward Contract option, you can plan for future payments and protect yourself from market fluctuations. We can fix a favourable exchange rate for up to two years to help you manage mortgage payments.

And if you have regular utility and maintenance bills, or rental payments, our Regular Payments service is ideal.

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Who doesn’t dream of emigrating to Australia or retiring to France? Or maybe a career change is taking you to the United States, or you need to repatriate to your home country?

If you need to convert all your cash, our Guaranteed Exchange Rate gets you much more for your money. RationalFX currency exchange rates are highly competitive, saving you as much as 10 % on money transfers compared to banks or money-sending bureaux. There’s no commission to pay, and no sending and receiving fees either.

Our system is faster too, as a bank can take as long as 4 -12 days. In fact, you can start sending money the day you register with us.

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Importing valuable goods

Although the price of a foreign car or yacht may seem far more attractive than the UK equivalent, you could end up losing out by paying for it through a high street bank.

Importing luxury goods and high value assets can be made all the more affordable with our highly competitive exchange rates. After all, a 1% rate improvement on £100,000 means another £1,000 for you. Our Guaranteed Exchange Rate gives you confidence in securing the very best deal.

The RationalFX international money transfer service is fast and easy to use over the phone or online. Simply register to make payments in hundreds of currencies to a specified bank account by credit/debit card or bank transfer.

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Education fees

With the high cost of higher education in the UK, up to a third of British students are considering overseas study with the USA and Australia as popular destinations. And yet, the UK’s universities are seen as leading academic institutions by other countries, with record numbers of Chinese students coming over.

At RationalFX, we can help you pay for university fees and school tuition in a foreign currency - quickly, safely and with very competitive exchange rates.

Obviously, rates can vary over time so you may want to consider our Forward Contract option that lets you set a favourable exchange rate for up to two years. This way, you can plan for future tuition payments and protect yourself from market fluctuations.

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If you decide to retire abroad, you can still receive the UK State Pension. However, getting it transferred into a foreign bank account could mean conversion charges eating into your funds. Avoid bank fees altogether and make the most of your hard-earned pension with our services.

If currently working overseas, you can continue to pay into your UK pension scheme. The RationalFX Regular Payments service will make sure all transfers are made securely and efficiently - without the hassle of bank forms or paying sending and receiving charges. You can also avoid exchange rate fluctuations for two years with our Forward Contract option.

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Mortgage repayments

The fees charged by banks or your mortgage lender to make repayments on a property abroad can really add up over time. As a specialist currency provider, RationalFX offers the best possible rate.

We can also protect you from nasty market fluctuations with our Forward Contract option. This lets you fix an agreeable rate for two years, so you can budget precisely.

Our Regular Payments service is ideal for saving transfer fees and bank commission fees. We’ll make sure the repayments are made exactly when they’re due, giving you one less thing to think about.

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Overseas rent

Having a rental income from a property overseas certainly helps to cover mortgage and maintenance costs. However, the exchange rates offered by banks, together with their commission and transfer fees, can soon chip away at your revenue stream.

One of the cheapest and most hassle-free ways to have money sent from overseas is through RationalFX. Our Exchange Rate Guarantee provides the best possible foreign currency exchange rate on the market.

To protect this regular source of rental income in case exchange rates move against you, take advantage of our Forward Contract option and fix a rate for two years. It’s simple to do and your account manager will give you all the help you need.

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