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money transfer
money transfer exchange4free

We offer money transfer solutions to both corporate and private clients around the world. Our great benefit to clients is our 'best price guarantee', where we add value, by ensuring that every online money transfer or international payment you make is free of fees and receives the best exchange rate possible.

Whatever your reason for sending money overseas; if you are a corporation needing assistance with large foreign exchange import or export payments or an individual sending home remittance payments each month, we can help with our global payout network, excellent service and innovative technology.

We make sure you get the best forex rates in the market

  • our online FX rates out-price our competitors and the banks
  • call us on large amounts for quoted rates from our dealers
  • ensure you get the best rate on your FX money transfer payment

Our service is FREE of all transfer fees

  • senders pay no international money transfer or swift fees
  • we cover all inbound receiving fees charged by banks to receive money from overseas
  • there are no commission charges or hidden costs

Easy to use online money transfer system

  • login to our system 24 hours a day, 7 days a week
  • you will have full access to our money transfer and payment request services
  • book a rate online or call in for a quoted rate on larger amounts

Safe and secure worldwide money transfers

  • we guarantee your money will arrive safely to your beneficiary
  • Exchange4free are fully regulated and licensed around the world

Below are interbank exchange rate tables for sending money to the United Kingdom and Europe, two of our most popular sending destinations.

These are mid-market currency rates at which the banks buy and sell currency and are continuously changing every second of the day. To get updated rates, simply refresh the table by clicking the refresh button in the top left-hand corner of the table.

All banks and MTOs (money transfer operators) will price or quote you off this rate. The difference between the interbank rate and the rate you are quoted is called the exchange rate margin. At Exchange4free we have extremely tight and competitive margins in place to ensure our clients always get the best possible rate and price on thier money transfers.

If you are planning to make a large forex money transfer with us, call our offices. You'll be put through to our FX Dealing Desk, where one of our FX Dealers will secure a great rate for you. We guarantee to beat any genuine quote from our competitors.

Below are some frequently asked questions about our services:

How do I open an account to use your money transfer services?

You can register an account for free by clicking 'Open an Account' at the top of our website or by clicking the register button below. Before we activate your account we will need some documentation from you. These are for our compliance checks and to make sure we are operating according to all money transfer regulations. Once your account is activated, you will be able to book a money transfer on our system and use all our other services.




Do you charge any money transfer fees?

Our money transfer service is completely free with no hidden costs:

  • No international transfer fees or commissions for senders

Do you cover all inbound receiving fees charged by banks?


  • we cover all inbound receiving fees charged by banks to receive money from overseas
  • these receiving fee charges can amount up to 80 USD per payment
  • other banks and competitors may not cover this inbound receiving fee charged to the beneficiary

What foreign exchange rate pricing do quote?

  • we offer guaranteed best exchange fx rates to our clients
  • we will try to beat any genuine quote from our competitiors!
  • you can send money for free and at the best rates in the market
  • senders pay no transfer fees and beneficiaries incur no receiving fees

How can I book an exchange rate on my money transfer?

You can book a money transfer and exchange rate in our login section.

For larger amounts clients call our foreign exchange dealing desk to secure the very best exchange rate quote on their wire transfer.

We charge no transfer fees, zero commissions and cover all inbound receiving fees.

  • South Africa: +27 11 453 7818
  • United Kingdom: +44 207 858 1038
  • Australia: +61 280 149 355
  • New Zealand: +64 928 06 261
  • Canada: +1 250 483 5205

How do I pay for my money transfer once it has been booked on your system?

During the booking process a you will be able to choose how you want to send your funds to Exchange4free:

  • bank transfer - EFT payment in your local currency to an Exchange4free clearing account in your country
  • debit or credit card - 3D secure payment using Visa or MasterCard (limits and fees applicable)
  • Barclays Pingit - UK clients can send funds using Pingit

What payout options are available for sending money?

A variety of payout options are available. Clients can send money online into bank accounts throughout the world. Cash collections can also be arranged where beneficiaries can collect cash from various payout locations. Mobile money transfers are available to certain countries.

Are Exchange4free authorised and regulated worldwide?

Exchange4free adheres to the highest levels of compliance and anti-money laundering regulations.

United Kingdom and Europe

Exchange4free is regulated and authorised by the Financial Conduct Authority (FCA) as an Authorised Payment Institution (Licence - 502845) to provide money remittance and payment services under the Payment Services Directive (PSD).

Exchange4free is also regulated by Her Majesty's Customs and Excise (HMCE - 12192983) and is a member of the UK Money Transmitters Association (UKMTA).

Australia and New Zealand

Exchange4free is regulated as a Money Service Business (MSB) by AUSTRAC (Licence - RNP100208196-00)

South Africa

Exchange4free South Africa is regulated as an authorised Financial Services Provider (FSP -36093) by the Financial Services Board (FSB).


Exchange4free is regulated as a Money Service Business (MSB) by FINTRAC in Canada (Licence - M09086568)


Exchange4free are a licenced remittance company in the Philippines.


Exchange4free is regulated by the State of Israel Capital Market Authoriity as a foreign exchange services provider.


Exchange4free Zimbabwe is a licenced money transfer company and Bureau de Change operator by the Central Bank of Zimbabwe (CBZ).

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