
Cambridge Currencies: company and regulatory profile
What to confirm before sending with Cambridge Currencies
These questions connect the source material below to your particular transfer. A quotation records what the provider published; it does not confirm your eligibility or that the conditions apply to your payment. Missing evidence describes our collection, not the provider’s capabilities.
- Does the broker support this route for a UK personal or business customer?
- Read the provider's statement: where it sends money
- How is the recipient paid, and can intermediary charges reduce the payout?
- No source quotation on this topic has been collected for this profile.
- What is the total you pay, the recipient payout and the expiry time of the quote?
- Read the provider's statement: fees
- What minimum amount, funding deadline and source-of-funds documents apply?
- Read the provider's statement: limits
- When will cleared funds be sent and when does the recipient bank expect them?
- Read the provider's statement: how long transfers take
- Which entity contracts with you and how does it describe protection of your funds?
- Read the provider's statement: how customer money is protected
- Which identity, address and source-of-funds documents will you need for this transfer?
- No source quotation on this topic has been collected for this profile.
Check the firm on the FCA Register · Check the cost of a quote you already have
What Cambridge Currencies says about its regulation
Source: cambridgecurrencies.com (Cambridge Currencies's own website) · Fetched 26 October 2026 · quoted word for word · How we collect this
Cambridge Currencies works with FCA-authorised payment partners — Currencycloud (FRN 900199) and ScioPay (FRN 927951) . All transfers are processed through their regulated infrastructure, with client funds safeguarded under UK regulations.
All transfers completed by phone with a dedicated specialist · FCA-authorised payment partners (Currencycloud FRN 900199, ScioPay FRN 927951) · Funds safeguarded
© Copyright 2023–2026 Cambridge Currencies Ltd. All Rights Reserved. Registered in England & Wales Number: 15402338 . Payments secured via FCA-regulated partners (FRN: 927951 / 900199) and DNB-regulated entities.
United Kingdom & Rest of World: Payment and e-money services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: 1 Sheldon Square, London, W2 6TT, United Kingdom. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).
Payment services for Cambridge Currencies Ltd are also provided by sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales. Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB). License No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution. Firm Reference Number: 927951.
FCA partners FRN 927951 / 900199
Cambridge Currencies Ltd operates client transactions through FCA-authorised partners — sciopay Ltd (FRN 927951) and The Currency Cloud Limited (FRN 900199). Both partners safeguard client funds in line with FCA rules. See our safeguarding funds page for more detail. How long does an international property transfer take?
Cambridge Currencies is not itself FCA-authorised. Payment services are provided by Currencycloud (FRN 900199) and ScioPay (FRN 927951), both authorised and regulated by the Financial Conduct Authority, with client funds held in segregated safeguarded accounts.
Cambridge Currencies works exclusively with FCA-authorised payment partners. Payment services are provided by Currencycloud (FRN 900199) and ScioPay (FRN 927951), both authorised and regulated by the Financial Conduct Authority. Client funds are held in segregated safeguarded accounts, as explained on our safeguarding page .
For amounts above £3,000, the best way to send money to Australia from the UK is through a specialist currency broker rather than a high-street bank. Brokers typically work on a GBP to AUD margin of 0.2% to 1%, against 3% to 4% at most UK banks, and charge no transfer fee. Australian Dollars normally reach an Australian account within one business day. Because Australia is nine to eleven hours ahead of the UK, the practical cut-off is earlier than most senders expect. Cambridge Currencies processes payments through FCA-authorised partners Currencycloud (FRN 900199) and ScioPay (FRN 927951).
Cambridge Currencies is not itself FCA-authorised. Payments are arranged through FCA-authorised partners — Currencycloud (FRN 900199) and ScioPay (FRN 927951) — and client funds are safeguarded by those partners.
From /limit-orders/
For amounts above £3,000, the best way to send money to France from the UK is through a specialist currency broker rather than a high-street bank. Brokers typically work on a GBP to EUR margin of 0.2% to 1%, against 3% to 4% at most UK banks, and charge no transfer fee. Euros normally reach a French account within one working day, and often the same day. Cambridge Currencies processes payments through FCA-authorised partners Currencycloud (FRN 900199) and ScioPay (FRN 927951), with client funds held in safeguarded accounts.
An international money transfer moves funds from an account in one country to an account in another, converting between currencies on the way. Above roughly £3,000, a specialist currency broker is normally the cheapest route, because the cost sits in the exchange rate margin rather than the transfer fee. A typical UK high-street bank margin of 3% to 4% dwarfs the £10 to £30 fee it charges alongside it. Cambridge Currencies quotes the rate by phone before anything is booked, charges no transfer fee, and processes payments through FCA-authorised partners Currencycloud (FRN 900199) and ScioPay (FRN 927951).
For amounts above £3,000, the best way to send money to Spain from the UK is through a specialist currency broker rather than a high-street bank. Brokers typically work on a GBP to EUR margin of 0.2% to 1%, against 3% to 4% at most UK banks, and charge no transfer fee. Euros normally reach a Spanish account within one working day, and often the same day. Cambridge Currencies processes payments through FCA-authorised partners Currencycloud (FRN 900199) and ScioPay (FRN 927951), with client funds held in safeguarded accounts.
What Cambridge Currencies says about its service
Source: cambridgecurrencies.com (Cambridge Currencies's own website) · Fetched 26 October 2026 · sentences quoted word for word · How we collect this
Where it sends money
Source context: International Money Transfer from the UK — GBP to EUR Exchange Rate History
FCA-authorised partners Client funds safeguarded No transfer fees 30+ currencies Dedicated specialist
- Headline coverage: country and currency counts do not confirm a particular UK-origin route.
Source context: Specialist international money transfers
Cambridge Currencies is a UK specialist currency broker handling international money transfers in 50+ currencies to 190+ countries.
From homepage
- Headline coverage: country and currency counts do not confirm a particular UK-origin route.
Specialist international money transfers — 190 countries, 50+ currencies
From homepage
- Headline coverage: country and currency counts do not confirm a particular UK-origin route.
How long transfers take
Source context: International Money Transfer from the UK — How long does an international money transfer take?
A euro payment routed through SEPA typically arrives the same or next working day.
Source context: International Money Transfer from the UK — How long does an international money transfer take?
A SWIFT wire through a correspondent chain generally takes one to three working days.
Source context: International Money Transfer from the UK — How long does an international money transfer take?
A payment made from a local account inside the destination country can arrive within hours.
Fees
Source context: International Money Transfer from the UK
Cambridge Currencies quotes the rate by phone before anything is booked, charges no transfer fee, and processes payments through FCA-authorised partners Currencycloud (FRN 900199) and ScioPay (FRN 927951).
Source context: International Money Transfer from the UK — How much does an international money transfer cost?
In its September 2025 issue, the World Bank's Remittance Prices Worldwide put the global average total cost of sending the equivalent of $200 at 6.36%, with banks the most expensive channel at 14.99%, money transfer operators at 4.72% and digital services at 4.59%.
Source context: International Money Transfer from the UK — How much does an international money transfer cost?
The average cost of sending from the United Kingdom fell to 4.61% in the same quarter.
Limits
Source context: International Money Transfer from the UK — Bank, transfer app or specialist broker — which should you use? — Feature High-street bank Transfer app Specialist broker
Upper transfer limits Online caps common Caps common No practical upper limit
Source context: International Money Transfer from the UK
Mandatory reimbursement for authorised push payment scams began on 7 October 2024, with a maximum of £85,000 per claim.
Source context: International Money Transfer from the UK — What documents do you need for a large international transfer?
There is no regulatory maximum on the amount you can send.
How customer money is protected
Source context: International Money Transfer from the UK — Is your money protected?
Payments are arranged through FCA-authorised partners — Currencycloud (FRN 900199) and ScioPay (FRN 927951) — and client funds are safeguarded by those partners.
Source context: Specialist international money transfers
Safeguarding means client funds are held at a tier-one credit institution by our FCA-authorised partners and protected in the event of insolvency.
From homepage
Source context: How is Cambridge Currencies regulated?
All transfers are processed through their regulated infrastructure, with client funds safeguarded under UK regulations.
From homepage
- Conditions apply in this sentence: check the linked page for the full terms.
Data coverage
This profile is compiled automatically. Each item appears only once it has been collected from the stated source, and carries the date it was fetched. FCA status, restrictions and agents are available through the live register lookup; they are not imported into profiles. Missing service information describes a gap in our collection.
Show every item and its source (6 of 15 profile fields have source material)
Identity
- Registered company name
- No source material collected · Companies HouseCopied from the source by software
- FCA number, as stated by the provider
- Source material collected · Provider websiteQuoted word for word, with a link to the source
- Company number, incorporation date, registered office
- No source material collected · Companies HouseCopied from the source by software
- Persons with significant control
- No source material collected · Companies HouseCopied from the source by software
Regulation
- Provider's regulatory statement
- Source material collected · Provider websiteQuoted word for word, with a link to the source
- Status, restrictions and requirements
- Live lookup only · FCA RegisterQuoted word for word, with a link to the source
- Registered agents (count)
- Live lookup only · FCA RegisterCopied from the source by software
- How customer money is safeguarded
- Source material collected · Provider terms and conditionsQuoted word for word, with a link to the source
Financial health
- Latest accounts date, overdue accounts flag
- No source material collected · Companies HouseCopied from the source by software
- Revenue and profit (where filed)
- No source material collected · Filed accounts at Companies HouseCopied from the source by software
Complaints
- Complaint volumes and uphold rate (where published)
- No source material collected · Financial Ombudsman ServiceCopied from the source by software
Product
- Countries and currencies served
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Service availability
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Delivery times and payment cut-offs
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Payout methods (bank, cash pickup, mobile wallet)
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- Fees, limits, minimums
- Source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
- ID documents required
- No source material collected · Provider websiteExtracted by software, shown with the exact wording it came from
We do not test providers or rate them. This profile shows no exchange rates, and says nothing about Cambridge Currencies that its public records and its own website do not.
About this profile
Compiled automatically by IMTUK from the sources shown on this page. Site owner: Matt Woodley. Provider quotations are their own claims; collection and classification are not independent verification of the service.
Listing is free and no provider can pay for its data fields or position. Methodology · How we get paid · Report an error · Are you Cambridge Currencies?