Smart Currency Exchange Reviews 

2,153
TrustScore 5 out of 5

4.8

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Review summary

Created with AI, based on recent reviews

Considering 211 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the helpfulness and professionalism of the staff, who provide sound advice and make the process easy to understand. Many people found the service to be seamless, efficient, and reliable, appreciating the smooth transfer of funds and quick responses. The user experience is often described as straightforward, with secure payment processes and clear guidance, instilling confidence in those transferring large sums. However, some customers also noted occasional issues with delays in receiving payments or transfers being rejected, sometimes requiring them to resolve matters themselves.

What people talk about most

Staff

People report positive experiences with staff, consistently praising their helpfulness, professionalism, and... See more

Service

Clients share positive opinions on service, frequently describing it as efficient, fast, and reliable, with... See more

Payment

Customers had positive experiences with payment, finding the process of transferring money straightforward,... See more

Customer service

Users describe positive interactions with customer service, highlighting the helpfulness, professionalism,... See more

User experience

Reviewers mention positive feedback about user experience, highlighting it as efficient, informative, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

We used Smart currency exchange to transfer our money to Italy to complete our house purchase. Matt has been really helpful and we would definitely recommend Smart Currency Exchange to anyone sending... See more

Company replied

Rated 5 out of 5 stars

Heard about Smart Currency from Beau Villages and found them to be totally reliable and our house sale transfer of funds went ahead without any problems. Many thanks, especially to Rhys after his we... See more

Company replied

Rated 5 out of 5 stars

Being able to lock in a rate with Smart Currency Exchange took the unpredictability out of the sale of my house in France. Matthew Lane-Miller and his team were always readily available to give sound... See more

Company replied

Rated 5 out of 5 stars

I recently used Smart Currency to transfer money from Australia back to the UK. I dealt with Danny Cook and honestly couldn’t ask for more. Through an introductory phone call Danny explained the... See more

Company replied


Company details

  1. Currency Exchange Service
  2. Money Transfer Service
  3. Non-Bank Financial Service
  4. Payment Service

About Smart Currency Exchange

Written by the company

All of your currency exchange requirements - covered.

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Smart Currency Exchange


Foreign exchange doesn’t have to be a hassle or a risk. Smart Currency make money transfers simple. Whatever your reason for sending money overseas, we will help you to take control of your currency transfers.

Trusted by over 50,000 customers to transfer more than £12 billion overseas - our currency experts are on hand to support you.

Smart Currency Exchange helps individuals and people transfer money overseas with confidence, clarity and control.

Whether you’re buying a property overseas, emigrating, managing regular payments or simply moving money between international bank accounts, we’re here to guide you every step of the way. Our experienced currency specialists take the time to understand your situation and help you make informed decisions, rather than leaving things to chance.

Our mission is simple: to help you reduce the risk that comes with currency fluctuations. Recent global events have seen currencies move by as much as 10% per-year, so transferring at the wrong time can lead to a significant impact on the amount you receive.

We provide practical tools and expert support to help you plan ahead and protect your budget.

Clients use us for a wide range of needs, including:

  • Overseas property purchases
  • Emigration and relocation
  • Regular international payments such as pensions or mortgages
  • Business transactions and supplier payments


We offer a range of services designed to give you greater control, including the ability to fix an exchange rate in advance, set up regular payment plans and receive market guidance to help you time your transfers more effectively.

With Smart Currency Exchange, you’re not just making a transfer - you’re making a well-informed decision with the support of a dedicated expert.

Contact info

Quick, easy and secure money transfers

Trusted by over 50,000 customers to transfer over £12 billion overseas

4.8

Excellent

TrustScore 5 out of 5

2K reviews

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Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 100% of negative reviews

Typically replies within 24 hours

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4.8

All reviews

(2,153)

210 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Very good service

Very good service. Matt has been excellent with the support.

19 November 2025
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Stan,

Thank you for your positive feedback. We are delighted to hear that you've been pleased with our service.

We look forward to helping with your next transfer soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Excellent service and very informative…

Excellent service and very informative over the initial movement of our money to Spain. Danny Cook provided an outstanding service from the initial contact and throughout our buying process. Thank you Danny.

10 October 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Jon,

We appreciate your kind words and the time you took to share your experience. We've passed your kind words on to Danny.

Should you have any more questions, please don't hesitate to reach out. We look forward to working with you again in the future.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Gary was great throughout the process…

Gary was great throughout the process of sending various amounts of money to two different countries. Even when a problem arose with one payment Gary and the team did everything they could to sort out what was happening. He keeps in touch and checks in regularly. The exchange rates were good and the process simple and easy to use. Highly recommended.

12 September 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Tracey,

Thank you for your kind feedback. We're so pleased you had a good experience with our service.

If you know someone who might be interested in our services, you can recommend them to us and earn rewards: smartcurrencyexchange.com/tp-refer

Thanks again, and we look forward to speaking soon.

Best regards,
The Smart Currency Exchange Team

Rated 3 out of 5 stars

All oke service

All oke servicec

14 November 2025
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Eric,

Thank you for taking the time to leave your review. Customer service is extremely important to us.

If you have any questions or any further need to transfer money abroad, please don't hesitate to contact our team.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

I would highly recommend this company for 'de-stressing' the process of sending currency abroad.

I came across these guys through 'Your Overseas Home', when I was starting my property search in Portugal.
Buying a property abroad can be hugely stressful, as the process can be completely different and of course there is the additional worry of exchange rate fluctuations.
Danny helped us through the process of transferring the deposit and then fixing the rate so that when we were ready to complete, we knew exactly what we were paying. The rate offered seemed OK at the time (seemingly fairly similar to the current tourist rates), but with no additional fees on top. Although your high street bank may offer a better exchange rate, they often charge huge fees to make the transfer (which I experienced when sending a previous, smaller amount). However, the main reason for using Smart Currency Exchange was to protect us against any huge economic shocks, which we have seen in the past. Just a 1% devaluation of the £ would cost us several thousand ££'s. Of course, this could work the other way - but would you want to gamble?
The portal made things really easy to set up recipients and to check the balance (as due to constraints with our bank, we had to make frequent smaller transfers). On the completion day, everything was transferred across to our lawyer, very promptly with no issues. (I think around 24hours from the UK to Portugal)
I will continue using Smart Currency Exchange for transferring ££'s to my €€ monthly bills account. Thanks Danny!

24 October 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Glen,

We’re delighted to hear about your experience with us. Congratulations on your purchase in Portugal!

We'll be sure to pass on your kind words to Danny and the team, and look forward to helping with your monthly payments to come.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Everybody at Smart Currency Exchange…

Everybody at Smart Currency Exchange has been great. Very professional and helpful in arranging money transfers to a novice at this type of thing and providing helpful information on currency values. I would especially like to thank Matt who has been particularly helpful to us. I would certainly recommend Smart Currency Exchange to anybody wanting to use this type of service. Thank you

8 November 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Colin,

Thank you for your kind feedback. We're so pleased you had a good experience with Matt.

If you have any other queries or questions, please reach out to our team. If you do think of someone who might be interested in our service, refer them to us and earn rewards: smartcurrencyexchange.com/tp-refer

Thanks again, and we look forward to speaking soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Great service by Matthew Lane-Miller

Great service by Matthew Lane-Miller, explained everything in our initial call and gave us time to think about the amount we wanted to send and no pressure was put on us. We were worried about sending a large amount and Matthew explained that we could send smaller amounts which we did and all came across to our Australian accounts within 2 working days. Thank you for your help and support with our transactions, your a credit to Smart Currency Exchange.

13 October 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Nathan,

Thank you for your positive feedback.

We know sending large amounts can be daunting and we're so pleased to hear that you had a good experience with Matthew.

We hope to speak again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Excellent service

Rory was extremely helpful and available throughout the process of buying my property abroad, which proceeded seamlessly.

20 October 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Karen,

Congratulations on your purchase!

We're so pleased you were happy with your experience with our service, via Rory. We'll be sure to pass on your kind words.

Thanks once again, and we can’t wait to assist you again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Great service from Matt.

The service we have received from Matt in the process of selling our French houses and bringing the funds back to a UK account has been efficient and exemplary. Matt talked us through each step, kept in close contact and ensured that the transfer happened promptly. We had already checked out other companies, then Smart was recommended to us, and they proved to be the best. Thanks Matt, we will recommend and refer others to you in future.

27 October 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Helen,

Thank you so much for your kind words. I'm so please that Matt was able to help and provided a great experience through our service.

If you do think of someone to recommend us to, you can refer them to us and get rewarded! Visit: smartcurrencyexchange.com/tp-refer

Thanks again, and we look forward to working with you again in the future.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Have never needed to use such a service…

Have never needed to use such a service before and moving large amounts of money always makes me nervous. Needed this service to enable us to buy our retirement home in Spain. Was helped all the way through and never tried to persuade me into different things. All went well and the transaction was very smooth. Would definitely use the service again if needed.

6 October 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Stewart,

Thank you for your positive feedback. We were so pleased to hear that you had a positive experience with us.

We understand that we're often dealing with large sums which can be daunting at times. We've worked hard so that our service (and our team) ensure things go as smoothly and as transparently as possible.

Thanks again, and we hope to speak again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Sam was extremely helpful and made the…

Sam was extremely helpful and made the transfer of funds from overseas very seamless.
Thank you

17 October 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Robert,

We're so pleased you had a pleasant experience using our service.

Thank you for taking the time to leave your review and we look forward to helping you again soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

From the very first call to the…

From the very first call to the transfer arriving the whole experience was incredibly professional and easy. Matthew was on the ball, guided me through from start to finish. Don't use any other exchange company.

25 October 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi Dave,

Thank you so much for taking the time to leave your review. We'll be sure to pass your kind words on to Matthew.

We look forward to helping you again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Unbeatable service

Have been using several currency brokers during past 15 years and Rory with Smart currency was the first and only broker to provide me a truly personal customer experience.
Other brokers normally larger companies did not offer this type of customised or personal service.
The exchange rates were either matched or better than most of the larger brokers every time.
A big thank you Rory for your excellent service that you provided me during this year.

1 October 2025
Unprompted review
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Reply from Smart Currency Exchange

Hi,

Thank you so much for your lovely review.

We're so pleased you had a good experience with Rory. We'll be sure to pass your kind words on. Getting to know our customers and their needs is so important to us to ensure we're able to offer the right service.

We look forward to helping you again soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Well done Rhys!

What I liked about the guy who dealt with my transfer was his persistence! He also upped his offer in line with Wise which I thought was okay. He just kept keeping in contact annoying at first but then grateful when it came to the transfer as I needed someone skilled with the money transfer.
Many thanks Rhys!!

22 October 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi MRM,

Thank you for taking the time to leave your review.

We're so pleased that we were able to help with your transfer. When we're certain we can help, keeping in touch can be so important to ensure we are top of mind when the time to transfer comes around.

We look forward to helping you again soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Great process, great people, great service

India and Danny have been great. Moving currency may be easy for millionaires but was my first time and I needed hand-holding. The service was explained and they kept in touch, without pressure, to see how things were going. Because they were first in memory I kept going back to them with questions. On the day of sending the money I called with the current market rates and got a great rate. The process was simple, clear and above all safe.
Great process, great people, great service would be my summary

20 October 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Mark,

Thank you for your kind feedback. We're so pleased you had a good experience with India and Danny.

We can also help with smaller or regular payments too, so please keep us in mind any time you have any questions or the need to send money abroad.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

A Smart Move

I live in the US and was buying a house in France when Smart Currency Exchange was recommended to me. They made the transaction from dollars to Euros, fast and seamless. Rory was the trade manager I worked with. He was very helpful in explaining the costs and benefits of working with SCE. The fluctuation in currency prices can make transactions abroad more costly than they need to be, whether in lost interest or rate of exchange. Knowing the details of the exchange is important. When a money wire I sent came in late they stayed in the office to make sure it got to the notary on time. I will be using them in the future and recommending them to friends.

1 October 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Susanne,

Congratulations on your property purchase!

Thank you for taking the time to leave your review of the service you received. I'm so pleased to hear Rory was able to offer a great experience.

If you do know someone who might be interested in our services, don’t hesitate to refer them via our referral scheme: smartcurrencyexchange.com/tp-refer

We look forward to helping you again soon.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Informative, helpful, easy to use

I was moving abroad and needed to convert a large sum of money at a particular point in time, but was never quite sure when that time would be (house sale and purchase is always tricky and uncertain). Danny Cook was my main contact and he really took the time to explain all my options and made sure I understood exactly what I had to do and when. Everything went really smoothly and effortlessly from there on, and it was super-easy to set up the payments online myself afterwards.

28 September 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Marina,

Congratulations on your move!

We're so pleased to hear everything went smoothly and that we could support you on this part of your journey.

We look forward to helping you with your ongoing payments and will be sure to pass your kind words on to Danny.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Thanks to all who helped with my…

Thanks to all who helped with my journey. You listened, acted, followed up, respectful.
I’d highly recommend them.

1 October 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Scott,

Thank you for your lovely review. We're so pleased to hear you had a good experience with us.

We look forward to working with you again in the future.

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Proactive, responsive and professional service

The entire team at Smart Currency Exchange is awesome to work with. I primarily interacted with Rory H. He is very proactive and responsive throughout the process. There is a huge peace of mind knowing I’m talking with another genuine human rather than a robot. Keep up the great work team !

30 September 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Raj,

We’re delighted to hear that you had a good experience with our service and with Rory.

Customer service is so important to us, and we really appreciate your kind words. We'll be sure to pass your comments on to the team.

If you ever need further assistance, we'd be happy to help.

Thank you again and we hope to speak with you soon!

Best regards,
The Smart Currency Exchange Team

Rated 5 out of 5 stars

Rory was incredible and kept me updated…

Rory was incredible and kept me updated and explained the process to me in a way I could understand. At 82 and not being technical this is difficult in today, but Rory went above and beyond explaining any worries I had. Thank you Rory.

16 September 2025
Unprompted review
Smart Currency Exchange logo

Reply from Smart Currency Exchange

Hi Brenda,

Thank you so much for taking the time to leave your lovely review. We really do appreciate it.

I'm so pleased that Rory was able to help, while explaining things along the way. We understand it can be a daunting task for people, especially when entrusted with significant amounts of money.

Should you have any questions, please don't hesitate to reach out. Thanks again, and we look forward to working with you in the future.

Best regards,
The Smart Currency Exchange Team

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