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currencyfair.com
CurrencyFair
CurrencyFair is an online service for sending and receiving money across borders. Bank transfers reach over 150 countries and 20 currencies, and the listed delivery speed is same day. Users can exchange instantly or wait for a chosen rate. Personal and business accounts charge €3 per send or…
Visit currencyfair.com ↗ What it costs
- 8.7 No. 8on Money transfer apps
- Free plan · paid from €3price, as published
- Sep 28, 2026read on
What CurrencyFair costs
- International transfer €3 / month
- Business account €3 / once
- Personal account €3 / once
A Personal or Business account incurs €3 for each send or Transfer Out after exchange, with a typical 0.53% exchange margin. The International transfer plan is €3 monthly and also has a currency-exchange margin.
As currencyfair.com publishes them, read Sep 20, 2026. Fees, tax and exchange rates can differ when you pay; check the provider's own page first.
Its statement
- Exchange rate
- A markup on the rateas stated, Sep 28, 2026
- Fee shown before you pay
- Yes
- How fast it lands
- Many international transfers are completed within 24…
- Free plan
- Yes
- Free trial
- Not stated
- Runs on
- iPhone Android Web
- Facts on record
- 23
Rate with a markupFee shown before you pay
Strengths and limits
Strengths
- Reach of over 150 countries and 20 currencies
- Immediate Quick Trade and target-rate Marketplace Trades
- Transfer tracking, scheduled transfers and rate alerts
- API integration for approved business and institutional partners, plus UK multi-currency holding
Limits
- €3 charge per send or Transfer Out on personal and business plans
- Exchange margin is added to the stated fees
- Free-plan features are not explained
What CurrencyFair does
Online cross-border payments and foreign-exchange services are CurrencyFair’s core offering. Money goes to bank accounts, and the service lists same-day transfer speed.
The service lets users send and receive funds across more than 150 countries and over 20 currencies. Business customers can pay overseas workers, suppliers and contractors and receive international payments.
Fees and plans
The International transfer plan costs €3 a month. CurrencyFair bills €3, or the currency equivalent, when you send money or transfer out after exchanging currencies.
After exchange, each send or Transfer Out on the Business account and Personal account incurs a single €3 charge. Neither plan has a setup charge or monthly fee. CurrencyFair says the exchange margin for these accounts is typically about 0.53%.
The service has a free plan, but the supplied pricing does not explain which transactions or features remain free.
Where it runs
CurrencyFair lists Android, iPhone, web and API access. The phone apps are available on both major mobile platforms.
The supplied information does not specify which tasks the Android or iPhone apps can or cannot perform. Approved business and institutional API partners can integrate through the REST API using API keys and OAuth bearer tokens.
Protection, as CurrencyFair describes it
According to CurrencyFair, its platform is hosted in the AWS cloud, while customer accounts are segregated at top-tier international banks. The company also states that it has ISO 27001 and SOC 2 Type 2 security certifications.
CurrencyFair Limited says it is regulated by the Central Bank of Ireland. Its entities are also regulated in Australia, Singapore and Hong Kong. Customers must complete identity verification and may need identification plus up to two proofs of address.
The supplied information does not describe two-factor sign-in, deposit protection or a dispute-handling process. Support is offered by phone, email and a question-and-answer support center.
Strengths
Bank delivery and transfer tracking are available across a reach of more than 150 countries and 20 currencies.
Quick Trade executes an exchange immediately. With Marketplace Trades, users specify a desired rate and wait for a match. Users can also set alerts for when they are ready to exchange.
Businesses can use the service for overseas payments and international receipts. UK-based business customers can hold more than 20 currencies and convert when market conditions suit them.
Catches and conditions
Personal and Business plans apply their €3 charge whenever money is sent or transferred out after exchange; the exchange margin is separate. The international-transfer plan also has a currency-exchange margin whose amount is not published here.
Marketplace Trades depend on finding a match, while Quick Trade uses the available exchange process. CurrencyFair may request identity and address documents before account use.
Who may want another service
The supplied details do not set out transfer limits or a complete exchange-margin schedule, and they do not describe the functions available in each mobile app.
Verdict
CurrencyFair fits people and businesses that need bank-based international transfers across a broad country and currency range. Its rate choices, alerts and tracking add control around an exchange, while UK business customers can hold multiple currencies and approved business and institutional API partners can integrate through its REST API.
Account pricing is €3 per send or Transfer Out for Personal and Business accounts, or €3 a month for the International transfer plan, with an exchange margin added. It is a weaker fit for anyone requiring published limits, detailed app capabilities or a clearly stated margin for every plan.
Who it suits
Pick it if
- Cross-border bank payments for individuals and businesses
- Users wanting target-rate trades or exchange alerts
- UK businesses holding multiple currencies
Skip it if
- You need published transfer limits or a detailed exchange-margin schedule
- You need clearly documented mobile-app functions
- You require stated two-factor or dispute procedures
Facts we read
- Account verificationCurrencyFair requires identity verification for customers and may require identification and up to two proofs of address. · currencyfair.com, Sep 28, 2026
- API integrationsApproved business and institutional API partners can integrate with CurrencyFair through its REST API, using API keys and OAuth bearer tokens. · tech.currencyfair.com, Sep 28, 2026
- Business useBusiness customers can pay overseas workers, suppliers and contractors and receive international payments. · currencyfair.com, Sep 28, 2026
- Exchange methodsThe platform supports instant Quick Trade exchanges and Marketplace Trades where users set a desired rate and wait for a match. · tech.currencyfair.com, Sep 28, 2026
- Exchange-rate modelmarkup · currencyfair.com, Sep 20, 2026
- Upfront fee displayYes · currencyfair.com, Sep 20, 2026
- Founded2010 · currencyfair.com, Sep 28, 2026
- Free planYes · currencyfair.com, Sep 20, 2026
- HeadquartersDublin, Ireland · currencyfair.com, Sep 28, 2026
- International reachUsers can send and receive money to and from more than 150 countries in more than 20 currencies. · currencyfair.com, Sep 28, 2026
- Mobile platformsboth · currencyfair.com, Sep 20, 2026
- Multi-currency receivingUK-based business customers can hold more than 20 currencies and convert when market conditions suit them. · currencyfair.com, Sep 28, 2026
- Rate alertsUsers can set a rate alert when they are not ready to exchange immediately. · currencyfair.com, Sep 28, 2026
- Recipient methodsbank · currencyfair.com, Sep 20, 2026
On these lists
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Questions
How much does CurrencyFair cost?
After exchange, Personal and Business accounts incur €3 for each send or Transfer Out. The International transfer plan is €3 per month, and CurrencyFair adds an exchange margin.
Where can CurrencyFair send money?
The service supports sending and receiving through bank delivery across over 150 countries and more than 20 currencies.
Does CurrencyFair have mobile apps?
CurrencyFair lists apps for Android and iPhone, plus web and API access. The supplied information does not detail which actions the phone apps support.
What exchange methods are available?
Quick Trade performs an exchange immediately. Marketplace Trades allow a desired rate to be set while the user waits for a match. Rate alerts can notify users before they exchange.
Is CurrencyFair regulated?
CurrencyFair says CurrencyFair Limited is regulated by the Central Bank of Ireland, with related entities regulated in Australia, Singapore and Hong Kong.
Can businesses use CurrencyFair?
Yes. Businesses can pay overseas workers, suppliers and contractors and receive international payments. API integration is available to approved business and institutional partners.
Is CurrencyFair yours?
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