Send money from Europe to the UK
Transfer Euros to British Pounds without the bank markup. X Rate Capital prices EUR→GBP off the live interbank market, settles same-day, usually within hours over Faster Payments (or CHAPS for larger sums), and puts a named specialist on every transfer.
Sending the other way? Send money from the UK to Europe.
More routes: Europe transfers · UK transfers
What people use us for in the UK
Buying property in UK
Deposits, staged payments and completion on a British purchase — rate locked when you commit, funds landing over Faster Payments (or CHAPS for larger sums) on the day they're due.
Relocating to UK
Move savings, salary and pension income from Europe without losing 3–4% to your bank each time. Moving euros out of the SEPA area is unrestricted; the cost sits almost entirely in the exchange rate your provider quotes.
Family & living costs
Regular or one-off support for family in UK, settling same-day, usually within hours, with scheduled transfers and a full audit trail.
Paying British suppliers
Pay suppliers, contractors or staff in British Pounds with batch payments, forward cover on your margin, and transparent EUR/GBP pricing.
Where the savings actually come from.
A high-street bank pricing EUR/GBP builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over Faster Payments (or CHAPS for larger sums), so what you compare is the rate itself.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding65+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
Built for the people who move money.
Most Europe-to-UK transfers we handle are UK property, tuition at British schools and universities, and families splitting time between the UK and abroad — so the desk already knows the paperwork, the cut-offs and where this route usually stalls.
Global payments
Send and receive payments to over 190 countries effortlessly, with competitive rates and guaranteed reliability.
Local currency accounts
Manage 65+ currencies in one account, making global transactions simple and hassle-free.
Fast & secure
Move money quickly and securely with advanced encryption, ensuring every transaction is seamless.
Three steps to seamless global transfers.
Set-up takes minutes. Once you are approved, EUR/GBP transfers settle same-day, usually within hours, with a named dealer for anything time-sensitive.
Open your account
Sign up and verify your identity once. We will ask what you are moving and roughly how often, so the desk can set up your Europe funding and your UK beneficiary before the first trade.
Fund over SEPA
Send Euros to your account using SEPA. Moving euros out of the SEPA area is unrestricted; the cost sits almost entirely in the exchange rate your provider quotes.
Settle into UK
We book EUR/GBP at the live rate and pay out over Faster Payments (or CHAPS for larger sums) — same-day, usually within hours. Sterling arriving into a UK account clears over Faster Payments in minutes for most amounts; larger transfers route via CHAPS the same working day.
Frequently asked questions
How long does a transfer from Europe to the UK take?+
Funds reach the beneficiary over Faster Payments (or CHAPS for larger sums), typically same-day, usually within hours once your money has cleared with us and the beneficiary is verified. Sterling arriving into a UK account clears over Faster Payments in minutes for most amounts; larger transfers route via CHAPS the same working day. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of Europe?+
Moving euros out of the SEPA area is unrestricted; the cost sits almost entirely in the exchange rate your provider quotes. On the receiving side: Sterling arriving into a UK account clears over Faster Payments in minutes for most amounts; larger transfers route via CHAPS the same working day.
What are people usually sending EUR to GBP for?+
Most EUR/GBP volume we handle is driven by UK property, tuition at British schools and universities, and families splitting time between the UK and abroad. Whichever applies to you, the same desk handles the deposit, the staged payments and the completion, so you're not re-explaining your situation each time.
Can I set up regular transfers from Europe to the UK?+
Yes — schedule recurring transfers to a saved beneficiary so salary, pension, rent or family support goes out automatically. Each one prices off the live EUR/GBP market rather than a fixed retail rate, and settles over Faster Payments (or CHAPS for larger sums).
What information do you need about the British beneficiary?+
Account name, account number and the local routing detail for Faster Payments (or CHAPS for larger sums), plus the reason for the payment. Sterling arriving into a UK account clears over Faster Payments in minutes for most amounts; larger transfers route via CHAPS the same working day. Getting the beneficiary name to match the account exactly is the single most common cause of a delayed transfer.
Is X Rate Capital regulated?+
Yes. Payment services are delivered through FCA-authorised partners — Sciopay Ltd (FRN 927951) and Equals Connect Limited (FRN 671508). Client funds are safeguarded in segregated accounts with tier-1 UK banks.
Get a quote
Tell us what you're moving and a specialist will come back with a live rate and next steps — usually within one business hour.