Targeting higher value transfers from £2,000 up to £2m, Currencyflow is using the proven playbook of high-touch customer service to attract customers.
It's worked well for many similar companies. Given that Currencyflow is led by Andy Dyer - previously of TorFX, IFX, Key Currency and most recently Regency FX - you can expect that Currencyflow knows what customers want from a money transfer company.
Exchange rates and fee structure
As is the norm with currency brokers, Currencyflow charges no fees for its services, however it won't give you the mid-market rate. You'll be quoted a rate that includes some margin, which could vary from 0.2% up to 1.5% depending on the currencies, market dynamics and nuances of your transfer.
This FX markup is very competitive with banks, and should hold its own with most FX brokerages too.
Of course, no brokers tend to use fixed pricing, so you'll have to contact them directly to see how competitive they are for your needs.

Customer service
Currencyflow is very new to the market, so there is a lack of online reviews or testimonials from customers.
Service is the main USP of the brand, and I'd expect to see that come through in time. The trading team is accessible by phone, live chat and WhatsApp, which is impressive compared to most money transfer companies and brokers. The team also has deep experience in the currency broker business, so you'll be able to tap into decades of know-how.
So while on paper Currencyflow is very likely to be offering five star service, we don't (yet) have the proof from a large customer base that they're delivering.
Product
Currencyflow is not a modern fintech; it is more of a service-based broker business. To deliver their services, they use a third party FX platform called Sciopay. You can access this on web and mobile, though there is no mobile app available. It works just fine for creating an account and making your own currency exchanges.
Alternatively, you can skip most of this and just deal online if you'd prefer - once you're registered and have provided any necessary documentation.
Safety
While Currencyflow is not directly authorised by the FCA at this point, it delivers its services using Sciopay, which is itself regulated by the FCA. This ensures that customer funds are kept safe.
It should be noted that certain shareholders of the parent company of SendAbroad.co.uk are also minority shareholders in Currencyflow Limited. This does not affect our reviews or scores, which are unbiased.
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