When we quote you an exchange rate it will always include all our costs and fees. There are no hidden extras, no commissions and no transmission charges.

We believe in full price transparency, and if you compare our dealing rates to any other provider, please make sure you factor in anything else they might charge you on top.

Our processes are highly automated, which means our overheads are very low. This in turn means we can build all our costs and our profit into our exchange rate, and the payment itself is free.

The only additional charges you may have are:

CHAPS payment – if you are exchanging more than £10,000, you bank will probably charge you to send your money to us. This will be in the region of £20-£30. However as you should be saving several times that amount by making your international payment through 4X, you may just have to grit your teeth and pay it!

Additional beneficiaries – we include one free international payment with each currency transaction. If you wish to split the payment to more than one beneficiary, we will make a charge of £10 per additional beneficiary to cover our costs.