Smart Currency Exchange: company and regulatory profile
What to confirm before sending with Smart Currency Exchange
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?
- No source quotation on this topic has been collected for this profile.
- 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?
- No source quotation on this topic has been collected for this profile.
- 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?
- No source quotation on this topic has been collected for this profile.
- Which identity, address and source-of-funds documents will you need for this transfer?
- Read the provider's statement: documents and verification
Check the firm on the FCA Register · Check the cost of a quote you already have
What Smart Currency Exchange says about its regulation
Source: www.smartcurrencyexchange.com (Smart Currency Exchange's own website) · Fetched 26 October 2026 · quoted word for word · How we collect this
Smart Currency Exchange Limited is authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (FRN 504509) for the provision of payment services.
Registered in England No. 5282305. Smart® is a registered trademark of Smart Currency Exchange Limited.
What Smart Currency Exchange says about its service
Source: smartcurrencyexchange.com (Smart Currency Exchange's own website) · Fetched 26 October 2026 · sentences quoted word for word · How we collect this
How long transfers take
Source context: Money transfer FAQs — Frequently Asked Questions about transferring money abroad — How long does an international transfer take?
Most transfers arrive within 1–2 working days depending on the currency and destination. Same-day transfers are often possible, depending on the time of day that the transfer is made. Each currency has a “cut off” time, meaning any transfer made after that time will be made the following morning.
From /money-transfer-faq/
- Conditions apply in this sentence: check the linked page for the full terms.
Source context: International money transfer specialists — How quickly can I transfer money overseas?
We aim to transfer your money onward the same day it is received to our account. In many cases the money reaches your recipient same-day or within 1-2 business days depending on the currencies and destinations involved.
From homepage
- Business service: confirm that this product applies to your transfer.
- Conditions apply in this sentence: check the linked page for the full terms.
Source context: Transfer money when moving overseas — How long does an international money transfer take during a move?
We aim to transfer your money onward the same day it is received.
Fees
Source context: Money transfer FAQs — Frequently Asked Questions about transferring money abroad — Do you charge any fees?
We don’t charge any transfer fees.
From /money-transfer-faq/
Source context: International money transfer specialists — Are there any hidden fees on my currency transfer?
No – unlike banks and other money transfer providers, we don’t charge transfer fees.
From homepage
Documents and verification
Source context: Transfer money when moving overseas — What documentation will I need to move a large sum of money abroad?
To comply with international anti-money laundering (AML) regulations, you will typically need to provide proof of identity (passport/driving license) and proof of address.
Source context: Transfer money when moving overseas — What documentation will I need to move a large sum of money abroad?
For large emigration transfers (like house sale proceeds), you may also be asked for a “Source of Funds” document, such as a completion statement from your solicitor or a bank statement showing the funds.
Companies House record
Source: Companies House · Fetched 26 October 2026 · values copied as returned · How we collect this
- Registered name
- SMART CURRENCY EXCHANGE LIMITED
- Company number
- 05282305
- Company status
- active
- Incorporated
- 10 November 2004
- Registered office
- 9th Floor 1 Lyric Square, London, Greater London, W6 0NB, England
- SIC codes
- 64999
- Latest accounts made up to
- 28 September 2025
- Next accounts due
- 30 June 2027
- Accounts overdue (as recorded by Companies House)
- No
Persons with significant control
- Sce Holdings Limitedownership of shares 75 to 100 percent; voting rights 75 to 100 percent; right to appoint and remove directors · notified 6 April 2016
How this company was identified: Company number taken from the regulatory statement on the provider's own website. It was the only stated company whose registered name is the trading name plus a legal-form suffix, or whose statement carries the FCA reference number the provider's homepage gives. Contains public sector information licensed under the Open Government Licence v3.0. Source: Companies House. Names are shown as published on the public register; see our privacy notice.
Ownership, accounts and filings
Source: Companies House · Fetched 26 October 2026 · values copied as filed · How we collect this
Who owns the company
- Owner of the company behind Smart Currency ExchangeSce Holdings Limited · registered in Englandownership of shares 75 to 100 percent; voting rights 75 to 100 percent; right to appoint and remove directorsAs recorded at Companies House
- Which is owned bySmart Currency Group Limited · registered in Englandownership of shares 75 to 100 percent; voting rights 75 to 100 percent; right to appoint and remove directorsAs recorded at Companies House
Corporate owners recorded as persons with significant control, copied as Companies House records them and followed up the chain only while each is a single owner registered there under the same name. Individuals are not shown.
Figures from the latest accounts
The latest accounts, made up to 28 September 2025, were not filed in a machine-readable form, so no figures are copied here. See the filing at Companies House.
Registered charges
2 registered, of which 0 satisfied and 2 not recorded as satisfied. See the charges
A charge is security a company gives a lender, such as a debenture or mortgage.
Filing timeline (30 most recent filings shown)
- 10 June 2026Accounts filed, made up to 2025-09-28
- 17 November 2025Registered office address changed
- 3 November 2025Confirmation statement filed
- 19 May 2025Accounts filed, made up to 2024-09-29
- 4 November 2024Confirmation statement filed
- 18 June 2024Accounts filed, made up to 2023-10-01
- 8 November 2023Confirmation statement filed
- 8 July 2023Accounts filed, made up to 2022-10-02
- 9 November 2022Confirmation statement filed
- 17 May 2022Accounts filed, made up to 2021-10-03
- 9 November 2021Confirmation statement filed
- 30 June 2021Accounts filed, made up to 2020-09-27
- 5 May 2021Registered office address changed
- 2 December 2020Confirmation statement filed
- 18 March 2020Accounts filed, made up to 2019-09-30
- 11 November 2019Confirmation statement filed
- 1 March 2019Accounts filed, made up to 2018-09-30
- 9 November 2018Confirmation statement filed
- 19 February 2018Accounts filed, made up to 2017-09-30
- 9 November 2017Confirmation statement filed
- 20 March 2017Accounts filed, made up to 2016-09-30
- 11 November 2016Confirmation statement filed
- 2 November 2016Registered office address changed
- 2 March 2016Accounts filed, made up to 2015-09-25
- 17 April 2015Accounts filed, made up to 2014-09-30
- 16 January 2014Accounts filed, made up to 2013-09-30
- 22 May 2013Accounts filed, made up to 2012-09-30
- 21 May 2012Accounts filed, made up to 2011-09-30
- 15 June 2011Accounts filed, made up to 2010-09-30
- 20 November 2010Charge registered or updated
Contains public sector information licensed under the Open Government Licence v3.0, source Companies House.
Complaints to the Financial Ombudsman Service
Source: Financial Ombudsman Service, half-yearly business complaints data · Fetched 26 October 2026 · figures copied as published · How we collect this
SMART CURRENCY EXCHANGE LIMITED does not appear in the Ombudsman’s published data for H1 2026 or H2 2025. The Ombudsman publishes figures only for businesses with at least 30 new and 30 resolved complaints in the six months.
“Upheld” means the Ombudsman decided in the consumer’s favour. A business is linked to a provider only when the Ombudsman publishes it under exactly the registered company name we hold from Companies House. Contains public sector information licensed under the Open Government Licence v3.0. Source: Financial Ombudsman Service, business complaints data H1 2026.
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 (10 of 15 profile fields have source material)
Identity
- Registered company name
- 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
- Source material collected · Companies HouseCopied from the source by software
- Persons with significant control
- 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
- No source material collected · Provider terms and conditionsQuoted word for word, with a link to the source
Financial health
- Latest accounts date, overdue accounts flag
- 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)
- Source material collected · Financial Ombudsman ServiceCopied from the source by software
Product
- Countries and currencies served
- No 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
- 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 Smart Currency Exchange 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 Smart Currency Exchange?