Currencies 4 You

What Currencies 4 You does

Currencies 4 You Limited is a UK-based Authorised Payment Institution (FCA FRN 671508) founded in 2009 and headquartered in Dartford, operating as a foreign exchange and international payments intermediary. The company serves two primary segments: personal/individual clients transferring money overseas for purposes including emigration, overseas property purchases (notably in France, Portugal, and Spain), school fees, inheritance, and regular international payments; and business/corporate clients engaged in importing, exporting, overseas payroll, and foreign currency receipt management who require currency risk mitigation. The product surface spans 140+ currency pairs and a full currency contracts suite — Spot, Forward (up to 3 years), Same Day, Next Day, Limit Orders, Stop Loss Orders, and Market Orders — plus a Multi-Currency Account accessible through an online trading platform hosted on Equals Connect infrastructure.

Revenue is generated principally through FX spreads (the margin between quoted client rates and wholesale execution rates) and transaction fees on cross-border payments, with a secondary affiliate/partner referral stream offering up to 50% of net profit on referred business. Pricing is quote-based rather than publicly published, and execution is delivered both via the online portal and through personal relationship managers. Distribution is hybrid: direct sales via dedicated relationship managers in physical offices across the UK, Spain, Portugal, and the UAE; self-serve online execution; and an affiliate channel targeting estate agents, financial advisors, and other businesses with internationally active clients. Underlying payment processing is outsourced to multiple regulated partners (Equals Money, CurrencyCloud, GC Partners, Sciopay, and VGSI in the US), enabling cross-border coverage without direct banking licences across jurisdictions.

Name

Currencies 4 You

Legal name

Currencies 4 You Limited

Website

https://currencies4you.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Currencies 4 You is a UK FCA-authorised foreign exchange and international payments intermediary serving personal clients (emigration, overseas property, school fees) and business clients (import/export, payroll, currency risk) across the UK, Spain, Portugal, UAE, and USA, operating through four physical offices, relationship managers, and an online trading platform spanning 140+ currency pairs.

Ownership category

akta.pro rank

Product category

Foreign Exchange & International Payments

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Securities and Commodity Exchanges (52321)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

akta.pro secondary industry

Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF)

Keywords

• Foreign exchange services
• International money transfers
• Currency risk management
• Multi-currency accounts
• Cross-border payments

Headquarters

HQ city

Dartford

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Foreign Exchange Spread: Revenue generated from the difference between the exchange rate offered to clients and the rate at which the company transacts in the wholesale markets. The company charges clients a margin on currency conversions.
2. International Payment Services: Fees charged for facilitating international money transfers across 140+ currency pairs. Same-day global payments available for most currencies.
3. Partner/Affiliate Referrals: Commission arrangements with partners who refer clients. Partners can earn up to 50% of net profit from transactions they refer.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Currencies 4 You is an FCA-regulated foreign exchange and international payments specialist that converts and transfers money across 140+ currency pairs for personal and business clients. Services include personal international payments, business FX solutions, multi-currency accounts, and a suite of currency contracts (Spot, Forward up to 3 years, Same Day, Next Day, Limit, Stop Loss, Market Orders) executed via an online trading platform and personal relationship managers.

Product overview

Currencies 4 You is a global payment specialist offering a unified foreign exchange and international payments platform. The core offering consists of Personal International Payments (for individuals transferring money overseas for emigration, property, investments, school fees, inheritance, and regular payments) and Business Foreign Exchange Solutions (for companies engaged in importing, exporting, overseas payroll, and foreign currency management). Both segments are supported by a suite of currency contracts including Same Day, Forward (up to 3 years), Spot Value (2-day settlement), Next Day, Limit Orders, Stop Loss Orders, and Market Orders. The company also provides a Multi-Currency Account for holding and managing multiple currencies, and operates a Partner/Affiliate Program for businesses referring clients. All services are accessible via an online electronic trading platform and through personal relationship managers.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal International Payments
• Business Foreign Exchange Solutions
• Multi-Currency Account
• Forward Contract
• Spot Value Contract
• Same Day Contract
• Next Day Contract
• Limit Order
• Stop Loss Order
• Market Orders
• Partner/Affiliate Program

Quantifiable outcome

• 500,000+ transactions successfully completed since 2009
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Equals Connect Limited / Equals MoneycoreStrategic or Co-development PartnerEquals Connect Limited (subsidiary of Equals Money PLC) provides the regulated payment services infrastructure and electronic platform for Currencies 4 You. They are FCA authorized (FRN: 671508) and provide payment account, e-money issuance, and execution of payment transactions for UK and global clients.
• CurrencyCloud (The Currency Cloud Limited)coreStrategic or Co-development PartnerCurrencyCloud provides e-money issuance and regulated payment services for clients in UK/EU/EEA. For UK clients: authorized by FCA under Electronic Money Regulations 2011 (FRN: 900199). For EEA clients: CurrencyCloud B.V. licensed by De Nederlandsche Bank (R142701).
• Global Currency Exchange Network Ltd (GC Partners)coreStrategic or Co-development PartnerGC Partners provides foreign exchange and payment services. Authorized and regulated by FCA under Payment Services Regulations 2017 (FRN: 504346). Registered MSB supervised by HMRC.
• Sciopay LtdminorStrategic or Co-development PartnerSciopay Ltd provides foreign exchange and payment services for customers introduced by Currencies 4 You. Licensed by HMRC as MSB (XCML00000151326) and authorized by FCA as Authorised Payment Institution (FRN: 927951).
• Visa Global Services Inc (VGSI)coreStrategic or Co-development PartnerVGSI provides US payment services for Currencies 4 You clients. Licensed money transmitter (NMLS ID 181032) in US states, registered MSB with FinCEN, and registered Foreign MSB with FINTRAC. Provides services for United States market expansion.
• Tier 1 Banking NetworkcoreTechnology or IntegrationCurrencies 4 You works with a Tier 1 Banking Network partner for transaction processing. This network has facilitated £205bn in traded volume and processes transactions in more than 140 currencies.

Scale indicators6 records

Recent moves12 records

Expansion highlights6 records

Direct peers

• TorFX: TorFX is a UK-based foreign exchange and international payments company providing personal and business FX services with dedicated relationship managers. Closely comparable in target market, sales-led model, and product suite (including forward contracts).
• WorldRemit: WorldRemit is a global digital remittances and FX platform serving individuals sending money across borders. Direct peer in cross-border consumer money transfer, though with stronger emerging-market corridor presence.
• OFX: OFX is a global FX and international payments specialist serving both individuals and businesses with spot, forward, and limit order capabilities plus multi-currency accounts. It is a direct peer in personal and business FX services.
• Currencies Direct: Currencies Direct is a UK-headquartered FX and international payments provider serving personal and business clients with relationship managers and forward contracts. Direct peer with similar target segments and product offerings.
• CurrencyFair: CurrencyFair is a peer-to-peer FX and international payments platform serving individuals and SMEs with multi-currency wallets. Comparable in target customer and core FX/multi-currency offering.
• Wise (formerly TransferWise): Wise is a leading cross-border payments platform offering multi-currency accounts, international transfers, and FX services to consumers and businesses globally. It is a direct peer in consumer/SME FX and multi-currency accounts, with significantly larger scale.
• Equals Money (FairFX): Equals Money is a UK FCA-regulated payments and FX platform offering multi-currency accounts, cards, and international transfers. It is a direct peer in the regulated consumer/SME FX space and also an infrastructure partner of Currencies 4 You.

Broad incumbents

• Western Union: Western Union is a global incumbent in cross-border money transfers and FX, serving both consumer remittance and larger business payment needs. Broad incumbent with comparable cross-border capability but a fundamentally different distribution model.
• MoneyGram: MoneyGram is a global cross-border P2P payments and FX company with extensive retail agent network. Broad incumbent in international money movement with overlapping target customers but very different go-to-market.
• Revolut: Revolut is a global digital banking super-app offering multi-currency accounts, FX, and international transfers as part of a broader portfolio. A broader incumbent competing in the same end-customer FX space but with much wider product scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/CurrenciesForU
• Facebookfacebook.com/Currencies4You
• LinkedInlinkedin.com/company/currencies4you
• Instagraminstagram.com/currencies4you

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Currencies 4 You