What Regency FX does

Regency FX is a UK-based, privately held independent currency broker specializing in international money transfers and foreign exchange services for both individuals and businesses. Founded in 2020 by Andy Dyer (Co-founder & Trading Director) and Stuart Pritchard (Director of Operations), the firm is headquartered in Truro, Cornwall, and operates with 11-50 employees. The core offering centers on cross-border currency transfers to 150+ countries across 40+ currencies, structured around four trading instruments: Spot Contracts, Forward Contracts (rate locks up to 12 months), Limit Orders, and Regular Overseas Payments, supported by Market Watch and Rate Alerts features. Client-facing technology is a 24/7 self-service online portal paired with dedicated personal account managers who provide market guidance, rate timing, and two-step verbal confirmation of payment details.

Name

Regency FX

Legal name

Regency FX Ltd

Website

https://regencyfx.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Regency FX is a UK-based independent currency broker offering international money transfer and foreign exchange services to individuals and businesses across 150+ countries, with dedicated personal account managers, competitive margins versus high-street banks, and FCA-safeguarded client funds.

Ownership category

akta.pro rank

Product category

Currency Exchange Services

NAICS

Commodity Contracts Intermediation (523160), Securities and Commodity Contracts Intermediation and Brokerage (5231)

SIC

Commodity Contracts Brokers & Dealers (6221), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

FX Market Making (FSACANAC)

akta.pro secondary industries

Bank-to-Client (Single-Dealer) FX Trading Platforms (FSAFADAB), FX Electronic Trading Platforms (Spot/Forwards/Swaps) (FSAFANAC)

Keywords

• Currency exchange services
• Foreign exchange transfers
• International money transfer
• Forward contracts
• Spot contracts

Headquarters

HQ city

Truro

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Foreign Exchange Margin: Revenue generated through exchange rate margins. The cost of service is built into the exchange rate offered rather than charged as separate fees. Competitive rates closer to interbank market with margin between 0.2% and 1.5% versus banks' 2-5%.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Regency FX is an FCA-aligned UK currency broker that delivers international currency exchange and money transfer services to individual and business clients. Clients are assigned dedicated personal account managers who quote and execute spot contracts, lock in forward contract rates up to 12 months, run automated limit orders, and process regular recurring overseas payments, with competitive exchange rate margins (typically 0.2%–1.5% above interbank vs. banks' 2%–5%) and no transfer fees or commission.

Product overview

Regency FX is a UK-based independent currency broker offering a suite of international money transfer and currency exchange services. The core offering spans personal transfers (with dedicated account managers and a 24/7 online portal for transfers to 150+ countries), business currency transfer accounts (with fixed rate options and risk management tools), and a partner referral programme. The product portfolio is organized around trading instruments — Spot Contracts (immediate transfers), Forward Contracts (rate locks up to 12 months), Limit Orders (automated trigger-based purchases), and Regular Overseas Payments (scheduled recurring transfers) — supported by Market Watch and Rate Alerts features. All services are accessed via an online client portal backed by FCA-regulated e-money and payment institution partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Currency Transfer Service International currency transfer service for individual clients, providing competitive exchange rate margins (0.2%-1.5% above interbank), a dedicated personal account manager, a 24/7 online client portal, and transfers to over 150 countries with no payment fees or commission.
• Business Currency Transfer Service Bespoke currency transfer solutions for businesses, offering fixed exchange rate options up to 12 months, global payment coverage, FX risk management tools, and 24/7 online platform access with a dedicated account manager for import/export, supplier, and invoice payments.
• Spot Contracts Spot contract enabling on-the-spot currency transfer at live market conditions for immediate execution of foreign exchange transactions.
• Forward Contracts Currency forward contracts allowing clients to lock in a fixed exchange rate for up to 12 months with a small deposit, protecting against currency volatility for future transfers.
• Limit Orders Automated trading feature that triggers a currency purchase when the market reaches a client-specified exchange rate level, giving clients control over the timing of their transactions.
• Regular Overseas Payments Recurring international payment service for scheduled transfers such as pension payments, mortgage payments, and monthly bills, with automatic execution on specified dates.

Quantifiable outcome

• Clients save up to 5% compared to banks on large transfers due to better exchange rate margins
• +3 more outcomes

Named customers4 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

Feature6 records

Partnerships

Four partnerships are on record, tiered core and minor.

• The Currency Cloud LimitedcoreTechnology or IntegrationUK payment and e-money services provider. Registered in England No. 06323311, authorised by FCA under Electronic Money Regulations 2011 (FRN: 900199). Registered Office: 1 Sheldon Square, London W2 6TT. Operates from The Steward Building, 12 Steward Street, London E1 6FQ. Provides safeguarding of client funds and payment processing for UK clients.
• CurrencyCloud B.V.coreTechnology or IntegrationE-money institution for EEA (European Economic Area) clients. Registered with Dutch Chamber of Commerce under number 72186178. Licensed and regulated by De Nederlandsche Bank as Electronic Money Institution (Relation Number: R142701). Registered office: Mr. Treublaan 7, 1097 DP, Amsterdam, Netherlands. Issues e-money and provides related payment services for Regency FX clients in the EEA.
• Sciopay LtdcoreTechnology or IntegrationPayment services provider for customers introduced by Regency FX. Company incorporated in England & Wales, Registration No: 12352935. Licensed by HMRC as Money Service Business (MSB) with Licence No: XCML00000151326. Authorised by FCA as Authorised Payment Institution with Firm Reference Number: 927951.
• Cornwall Wildlife Trust (Tor to Shore)minorOthersCSR partnership supporting Tor to Shore, a five-year nature recovery project led by Cornwall Wildlife Trust stretching from Helman Tor to St Austell Bay. For every review received, Regency FX donates £5 to the project. Demonstrates commitment to local environmental causes as a Cornwall-based business.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• TorFX: UK-based currency broker serving individuals and businesses with international transfers, dedicated account managers, and forward contracts. Closest head-to-head peer to Regency FX given the same UK niche, similar service-led model, and overlapping product set (spot, forwards, limit orders).
• OFX: Global currency broker (formerly OzForex) operating a personal-account-manager-led model for individuals and SMBs across 50+ currencies with forward contracts and limit orders. Comparable on product breadth, client segments, and service model, though OFX is materially larger.
• WorldFirst: International currency broker and payments business (Ant Group-owned) serving SMBs, online sellers, and individuals with FX transfers, forward contracts, and multi-currency accounts. Comparable on cross-border payments for businesses and ambitious individuals, though significantly larger.
• Currencies Direct: UK-headquartered currency specialist providing personal and business international transfers with dedicated dealers and rate alert tools. Highly comparable on target customer (high-net-worth individuals, SMB importers/exporters) and product structure.
• Moneycorp: Long-established UK-based FX and payments specialist serving both individuals (property, emigration, pensions) and businesses (import/export, treasury). Overlapping customer base, products (forward contracts, limit orders), and personal account manager-led model make Moneycorp a direct comparator.
• XE Money Transfer: Currency data and money transfer service serving consumers and SMBs for international transfers. Comparable on currency transfer products and broad geographic coverage; differentiated by its rate-alert and information heritage.
• Currency Solutions: UK-based currency broker providing personal and business international money transfers with dedicated account managers and forward contracts. Closely comparable on geography, customer segments, and product structure.

Broad incumbents

• Revolut: Global digital banking super-app offering FX transfers, multi-currency wallets, and business payments. Overlaps with Regency FX on consumer/SMB cross-border payments but competes at much larger scale and on a broader financial product set.
• Western Union: Global money transfer and FX giant serving consumers and businesses across 200+ countries. Comparable on cross-border transfers and currency services, but operates at vastly different scale and specializes more in cash/agent-based transfers rather than high-value dedicated dealer service.

Emerging players

• Wise: Digital-first cross-border payments platform serving consumers and businesses with near-mid-market FX and multi-currency accounts. Comparable product category but operates at vastly different scale and with a digital-only model rather than Regency FX's high-touch approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights6 records

Customer concentration

• Xx.com/FxRegency
• Facebookfacebook.com/LargeMoneyTransfers
• LinkedInlinkedin.com/company/regency-fx
• Instagraminstagram.com/regencyfx

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Regency FX