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Transparent pricing explained for personal transfers

Pricing, often called a spread or margin, is the difference between the rate we buy your currency and the rate we sell it to you. We will always be upfront about where your money goes.

Most banks and FX providers will not disclose their pricing/margin as it’s hidden in the exchange rate you receive as the customer.

^No fees charged for opening account or account management. Fees may apply for same currency transactions

Account set-up is fast, simple and free

1. Register for free

Complete the simple online registration form. We'll be in touch to verify some details and complete the process.

2. Book a rate

Let us know who to pay, how much (over $2,000) and in which currency. We'll then confirm your rate so that you can book your payment.

3. We make your payment

Send your money to us by bank transfer and we’ll make the onward foreign currency payment to the account of your choosing.

Why more than 400,000 global customers choose WorldFirst

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Experts in FX

£70 Billion transferred for our customers since we launched in 2004, more than 1 million transfers per year.

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Fast, secure transfers

MAS Authorised. We’ll get your money there fast – in most cases on the same day.

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Competitive FX rates

Great FX rates from day one. You'll always know what you're paying.

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5 star customer service

Manage your international payments online or over the phone. Our experts are available night and day.

Frequently asked questions


Check out our most frequently asked questions.


If you can't find your answer here, call us or drop us an email.

We’ve always offered high-quality products and services to our clients to meet the needs of an increasingly global marketplace. Our rates have always been competitive, but our recent acquisition by Ant Financial has enabled us to invest, scale and reduce costs to further benefit our clients. We firmly believe that our fully transparent rates, combined with our award-winning service, will transform our growth and most importantly, significantly enhance our customer's experience.
Whether you are an existing WorldFirst customer or a new one who just joined the family, your spread will be automatically reviewed, and you will be allocated a new pricing band based on your annual trading volume. You don’t need to do anything, simply continue trading with us and keep saving money! As usual, our team of experts are here to help, so don’t hesitate to contact us if you are not clear or require further help.
Exotic currencies have less liquidity, which simply means the market has fewer buyers and sellers of those currencies. Pricing in Low liquidity Currency Markets can fluctuate extensively based on factors such as time of day, amount of currency being traded on a particular day and any data releases that may swing the currency one way or the other.
If you’re on a better margin, you will continue to receive that pricing. We also offer a best rate guarantee.
Full FAQs

Our Clients in their own words

We help hundreds of thousands with their personal currency exchange. Hear Allan’s experience of using WorldFirst to support family overseas.

Allan – Transfers His Salary

Allan works in Singapore and his family is overseas, so he uses WorldFirst to transfer his salary overseas back to the UK to support his family without a worry.