Send money from the UK to Europe
Transfer British Pounds to Euros without the bank markup. X Rate Capital prices GBP→EUR off the live interbank market, settles same-day or next-day across the SEPA area over SEPA, and puts a named specialist on every transfer.
Sending the other way? Send money from Europe to the UK.
More routes: UK transfers · Europe transfers
What people use us for in Europe
Buying property in Europe
Deposits, staged payments and completion on a European purchase — rate locked when you commit, funds landing over SEPA on the day they're due.
Relocating to Europe
Move savings, salary and pension income from the UK without losing 3–4% to your bank each time. There's no limit on moving money out of the UK, though your bank will run standard source-of-funds checks on larger amounts.
Family & living costs
Regular or one-off support for family in Europe, settling same-day or next-day across the SEPA area, with scheduled transfers and a full audit trail.
Paying European suppliers
Pay suppliers, contractors or staff in Euros with batch payments, forward cover on your margin, and transparent GBP/EUR pricing.
Where the savings actually come from.
A high-street bank pricing GBP/EUR builds its margin into the rate before any fee appears on the statement. We quote against the live mid-market and settle over SEPA, 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 UK-to-Europe transfers we handle are second homes in Spain, France, Portugal and Italy, relocation, and paying European suppliers — 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, GBP/EUR transfers settle same-day or next-day across the SEPA area, 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 UK funding and your Europe beneficiary before the first trade.
Fund over Faster Payments (or CHAPS for larger sums)
Send British Pounds to your account using Faster Payments (or CHAPS for larger sums). There's no limit on moving money out of the UK, though your bank will run standard source-of-funds checks on larger amounts.
Settle into Europe
We book GBP/EUR at the live rate and pay out over SEPA — same-day or next-day across the SEPA area. Euros arrive over SEPA, which reaches every account in the euro area on standard terms — so a payment to Spain settles the same way as one to Germany.
Frequently asked questions
How long does a transfer from the UK to Europe take?+
Funds reach the beneficiary over SEPA, typically same-day or next-day across the SEPA area once your money has cleared with us and the beneficiary is verified. Euros arrive over SEPA, which reaches every account in the euro area on standard terms — so a payment to Spain settles the same way as one to Germany. Your named specialist confirms exact timing before you book.
What do I need to know about sending money out of the UK?+
There's no limit on moving money out of the UK, though your bank will run standard source-of-funds checks on larger amounts. On the receiving side: Euros arrive over SEPA, which reaches every account in the euro area on standard terms — so a payment to Spain settles the same way as one to Germany.
What information do you need about the European beneficiary?+
Account name, account number and the local routing detail for SEPA, plus the reason for the payment. Euros arrive over SEPA, which reaches every account in the euro area on standard terms — so a payment to Spain settles the same way as one to Germany. Getting the beneficiary name to match the account exactly is the single most common cause of a delayed transfer.
How do I get the best GBP/EUR exchange rate?+
High-street banks typically build 2–4% into the GBP/EUR rate they quote, and the cost is inside the rate rather than shown as a fee. X Rate Capital prices off live interbank with a small margin disclosed before you confirm. Use the calculator above for an indicative rate, then speak to the desk for a live quote.
Can I fix today's GBP/EUR rate for a future payment?+
Yes. A forward contract locks the current GBP/EUR rate for a payment up to 24 months ahead — useful when second homes in Spain means committing to a figure now and paying later. Ask your specialist about forwards when you request a quote.
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.