Meet WorldFirst

At WorldFirst, our mission is to create the world’s best foreign exchange platform for individuals and international businesses.

WorldFirst was born back in 2004 by two innovators in a South London basement armed with ten years of banking experience, an entrepreneurial spirit and a desire to provide customers a real alternative to the big banks. Since then, we’ve grown exponentially and with a global team around 600 strong, have become a market-leading, multi-award winning, bank-beating, rapidly-growing, fun-loving international payments company.

Currently, more than 400,000 global customers & 150,000 global businesses choose WorldFirst for their international transfers. We have transferred £70 Billion for our customers since we launched, more than 1 million transfers per year

Below you can put a face to the name of the WorldFirst management team. And learn a little more about what makes them tick.

Jonathan Quin

Jonathan Quin

Graduated with Law and Accountancy degree from the University of Edinburgh. Started at Citibank as a trader and later headed the European sales of online FX trading products. Moved to RBS as the Head of Business Development in the Financial Markets Division. Co-founded WorldFirst in January 2004.
Reg Dhanjal

Reg Dhanjal

Reg joined WorldFirst in 2017 and has responsibility for our legal, compliance, risk, financial crime, internal audit and company secretariat teams. Prior to WorldFirst, Reg held a number of roles and was most recently a Partner at the law firm Pinsent Masons. Reg graduated with a Law degree from the University of Cambridge.
Jeff Parker

Jeff Parker

Jeff was previously on the executive board at OFX – formerly OzForex – most recently in the role of Chief Enterprise Officer with responsibility for growing the B2B business globally. He also gained considerable financial services experience as a director at Macquarie Bank where he worked for the Investments and Advisory division. Jeff is also an ACMA qualified management accountant.
Kerry Tremble

Kerry Tremble

Kerry is Group CFO of WorldFirst. Kerry was previously Deputy Finance Director for Lloyds Retail Bank and a partner in KPMG’s Corporate and Investment Banking Consulting practice. In the latter role, he worked with global investment banks in a range of areas including Business & Operational Strategy and Financial & Risk Management.
Craige Pendleton-Browne

Craige Pendleton-Browne

With over 25 years experience in technology roles, Craige has worked as CTO in both Australia and the UK. His most recent roles include CTO for News Digital Media, iCareHealth, and OFX, Australia’s leading fintech business. In his last three roles Craige has owned both product development and technology delivery. He is passionate about how digital technology and Agile product development can drive commercial success.
Tim Rudman

Tim Rudman

Graduated with a bachelor's degree in Finance, Marketing and International Business in South Africa. Following a brief stint working in marketing, moved to London in 2007. Joined WorldFirst in 2008 as the desk assistant in the online sellers team before taking on a variety of roles including Head of Operations and, ultimately, COO.
Ray Ridgeway

Ray Ridgeway

After graduating with a BCom - Economics degree at UCT in South Africa, Ray moved to the London and worked in the financial service, tax and accounting industry. During his UK tenure he worked in various Account management, accounting, consulting and management positions before finding his ideal fit in Group Sales as Commercial Manager, across 3 countries. Ray joined WorldFirst Australia in 2012 as one of the Senior Business Development Managers, before building and heading up the Corporate Sales Desk, and then leading both Sales and Dealing functions, as Chief Commercial Officer. In 2017 Ray was promoted to Country Manager, WorldFirst Australia.

Paul Basson

Paul Basson

Paul joined the WorldFirst team in 2008 initially running the middle office team for the London private client desk. In 2010 he relocated to the Australian office and is now the Operations Manager. Originally from Cape Town, Paul holds a degree in Politics and Economics from the University of Cape Town and previously worked in customer relations for a leading motor manufacturer.

Joan Jreij

Joan Jreij

In March 2017, Joan joined WorldFirst as HR Manager – Australia. After graduating with a HR Diploma she commenced her career within the recruitment industry. Joan commenced her HR career with Sony DADC – a subsidiary of Sony Corp eventually heading up the HR and WHS function in Australia and NZ. Joan is currently completing a master’s degree in HRM.

Our offices around the world

United Kingdom
Millbank Tower
21-24 Millbank

Herengracht 448
Unit 2.1
1017 CA

China - Hong Kong
Room 3003-3008 30F Chubb Tower
Windsor House 311 Gloucester Road
Causeway Bay
Hong Kong

Level 7
33 York Street
NSW 2000

6 Shenton Way
OUE Downtown Tower 1 #36-03

27F Kyobashi Edogrand
2-2-1 Kyobashi
Chuoku, Tokyo

So what are you waiting for?

Whatever you do now, or will do in the future, we can help you make the most of your money.

Discover more

+61 2 8298 4900

1 800 835 506

World First Pty Ltd is a designated remittance provider with the Australian Transaction Reports and Analysis Centre (AUSTRAC), remittance sector registration number: IND100192523-001. Regulated by the Australian Securities and Investments Commission (ASIC), Australian Financial Services Licence (AFSL) number 331945. Australian Company Number (ACN) 132 368 971. Member of the Australian Financial Complaints Authority, membership number 13405.

If you’re considering making a foreign exchange transaction, or you’re a new or existing customer looking for more information, it’s important your read our PDS available online.

*0.50% or less applies to 25 of our major and most popular currencies.

Price match applies if it doesn't result in a loss for us, we'll match it.

Many banks and payment providers frequently claim to offer “fair” and “transparent” pricing, yet the reality is something very different. Our new pricing model aims to provide both new and existing customers with fair, simple and transparent pricing, using 3 clear FX margin bands margins (0.5%, 0.25% and 0.15%) with no hidden fees. With transparent pricing our customers and potential customers can clearly compare WorldFirst to our competitors.

How do we collect this data?

WorldFirst obtain price comparisons from other international payment providers’ websites, at specific dates and time using a third-party supplier. The comparison table shows the spread applied by the competition to transfer amounts of AUD 1,000, 10,000 and 50,000 into EUR, USD and GBP.

1. The spread

The spread is the percentage difference between the exchange rate we buy our currency at and the rate at which we sell it to our customers. We at WorldFirst take a smaller spread than most banks and other currency companies, and pass this benefit on to our clients, making all our transfers simpler and more transparent.

2. The cost of international payments

For each pricing band we look at the FX spread applied. This is what we use to compare against our fixed bands of (0.50%, 0.25% and 0.15%).

When researching and making comparisons it is important to know if any additional transaction charges will be applied such as payment fees or account management fees. For most customers WorldFirst does not apply additional fees to make payments or to maintain an account with us. If any fees are applicable these will be made clear to you in advance.

3. How do we work out a comparison up to 8 times cheaper than the banks

When we collect data from providers, we do it using different “amounts” such as $1,000, $10,000 and $50,000 where possible. For our data we have focused on the top currency pairs in Australia: GBP to USD/EUR/AUD.

Because the WorldFirst fixed pricing tiers are based on annual volumes transacted by our customers, we have averaged out the spreads applied by competitors to transactions of differing amounts in those tiers to calculate an average spread. We take our spreads and divide by the average spreads of the big 4 banks. This is important, because providers tend to offer better exchange rates and smaller transfer fees when a customer is moving larger sums of money.

What all this means for you

Other money-transfer providers may have variable spreads across different currencies, whilst WorldFirst now has fixed spreads, agreed ahead of time, making it easier to compare.