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If you need to make an international payment, look no further. Whether you are making a personal transfer, looking for FX solutions for your business or you are an online seller – World First makes it faster, easier and could save you money. With great exchange rates, award-winning service and an easy-to-use online platform, it couldn’t be easier to make your next transfer with World First.

Tailored foreign exchange solutions

For your business

Whether importing or exporting, paying salaries overseas or making supplier payments, our industry leading FX solutions can help you make the most of your money.

For online sellers

Trading overseas on ecommerce marketplaces? World First can help you save money when converting your payments back into your own currency or paying suppliers abroad.

For you

Whether you’re buying a property overseas, moving to a new country or paying tuition fees, as long as it’s over £1,000, we can help you get the most for your money.

Partner with us

Integrated solutions making our service part of your business. We offer whitelabel services, integrated payments solutions and referral schemes.

Rates & Tools

Live rates & graphs

How our quick currency converter works:

o use our currency converter, simply type in the amount in the middle box and select the appropriate currency. Click “Calculate” and you’ll see how much this would equate to using the mid-market or “Interbank rate”.

Helpful currency exchange guides and information

The World First blog is a handy resource to help you understand and navigate the fast changing world of currency exchange. With devoted channels for private, corporate and ecommerce clients there’s something for everyone. So, whether you’re looking for business inspiration, exploring online selling platforms or even searching for your next property abroad we’ve got you covered.


Glossary of foreign exchange terms

We don’t like jargon any more than you do. But if you do come across a technical term, hopefully this glossary will help clear things up.


Bankers’ Automated Clearing Services – the process for making Sterling payments via domestic banks. Mostly used for direct credits and direct debits. BACS payments tend to take three business days to clear.


Clearing House Automated Payment System – a faster way of making payments. Usually cleared on the same working day.

Currency Transfer

This is the process of moving funds from one location, and therefore currency, to another. The process of effectively changing money revolves around expertise, and at World First we have one of the most experienced foreign exchange teams in the marketplace. See our global foreign exchange team.


The amount of money at risk due to foreign exchange movements. Essentially another word for financial risk.

Faster Payments

A UK system for faster payment of amounts up to £10,000 (lower for some banks). Funds are usually credit within minutes.

Foreign Exchange Market

A global market which exists for the effective movement of capital (cash/money) from one destination to another. Also referred to as Forex, FX and currency market, the foreign exchange market facilitates the trading of currencies. Some of the items that make the FX market unique compared to any other trading entity include; the global natural of the industry, the volume of transactions taking place, myriad factors impacting exchange rates and the use of leverage to enhance profit and loss margins.

Forward contract

A contract to exchange a specific amount of one currency for another on a future date, at a predetermined rate. A deposit is normally required for forward contracts.

Forward points

The difference between the spot rate and the forward rate. The forward points are a calculation of the interest rate differential between the buy and sell currency.

Forward rate

The rate at which two currencies can be exchanged on a pre-set future date.

FX (Foreign Exchange)

FX is the abbreviated version frequently used for foreign exchange. FX is the global trading market for the movement of currencies.

GTC – Good ‘Til Cancelled

A GTC foreign exchange order will be left in the market at a set rate until executed or cancelled by you.


Protection against future currency movements. The financial products used to provide this protection are often called Currency Options.

Interbank rate

This is the rate used by the banks to trade currency between themselves in large amounts. It’s the rate you’ll usually see quoted on online currency converters and is often used to show where the market is.


This term has many different meanings dependant on context, but when we use it it’s to describe the profit we make from the transference of funds. See ‘Spread’ below for more details.

Mid-market rate

Currency is bought by the customer at the offer rate and sold at the bid rate. The mid-market rate is the mid-point between the bid and offer rates.

Money Transfer

Money can be transferred in a number of ways from country to country, and spanning a variety of volumes and currency types. Some of the most common types of money transfers include; electronic funds transfers, wire transfers, Giro and money orders.

OCO – One Cancels Other

A combination of a stop loss order and a take profit order, which are both described in detail below. When one of these two orders is executed, the other order is automatically cancelled.


You can leave an order with us to transact on your behalf if a particular exchange rate is reached.

Spot rate

The foreign exchange rate at which two currencies can be exchanged in two days’ time.

Spot Transaction

The exchange of one currency for another at a specified rate for settlement in two working days.

Stop Loss Order

A stop loss order is a means of limiting your risk in case exchange rates get worse. A currency stop loss level is set. If that currency level is reached, the trade is automatically executed in the market to stop any further loss. The currency level used for a stop loss order is always worse than the current market price. This is a way to protect yourself from adverse changes in exchange rates without needing to constantly monitor the rate.


The spread is the profit taken by a bank or a broker between the rate they receive and the rate they pass on to clients. We take a smaller spread than most banks and other currency companies, and pass this benefit on to our clients.

Take Profit Order

Like a stop loss order, a take profit order first involves setting a currency level. Once that currency level is reached, the trade is executed in the market. The currency level used for a take profit order is always better than the current market price. This allows you to capitalise or take profit on improvements in exchange rates without having to keep an eye on the rate.

Settlement Date

The date the transference of your funds will take place.

Currency Converter

An online currency transfer tool that allows you to see how much your money is worth in a different currency at the current exchange rate. You can find our currency converter here.

Free Rate Alerts

Set up a free rate alert and we’ll send you an email or SMS if your target rate is reached. All you need to do is fill in your details below and we’ll be your eyes and ears on the currency markets.

Mobile APP

We’re changing money on the move

Our app makes moving money around the world even easier. You can secure a rate and pay in one smooth, effortless transaction. It’s quick, easy, secure and it’s free – so why not download it now.

Here’s what you can do with the World First app

  • Quick trade

    If you've already got your payee set up, you could make a trade in 30 seconds!

  • Payment tracker

    Keep an eye on how your payment or transfer is getting on.

  • Live rates

    Find out where the markets are at, all day long. Wherever you are.

  • Currency converter

    Find out how much your money's worth in another currency.

  • Pay by card

    Book a rate and pay all in one place. No online banking here!

  • Market updates

    We'll keep you updated on what's going on in the markets.

Daily Economic Update

US jobs growth stalls, UK production falls

Truth be told, Friday’s US jobs numbers looked a mess – just 98,000 jobs added (almost half the consensus estimate) marking the second worst nonfarm payrolls reading since the Global Financial Crisis.

US missile strike raises the stakes, weakens the dollar

Yesterday’s data calendar was particularly quiet with very little to push currencies outside of their recent tight ranges.

Foreign Exchange Guide

1 minute guide to moving your money abroad

One of the most common mistakes expats make is simply using their bank to send money abroad. It’s the obvious thing to do, isn’t it? Well, it shouldn’t be.

Everything you need to know about Spanish property buying process

Buying a property in Spain could be regarded as a pretty stressful thing to do – especially if you’re not aware of what’s involved.

Why World First

  • No fees for UK clients making personal currency transfers
  • Make payments online 24/7
  • Authorised by the FCA
  • Great exchange rates for your currency transfers
  • Fastest available international payments
  • Award-winning service

Account Type


World First for your business

Whether you are exporting to a new market for your business, paying salaries overseas or making supplier payments, if your story matters to you, it matters to us.

How it works

We can help your business get the most out of its payments whatever the reason for making a transfer. We’re here to help reduce any hassles or worries about exchange rates and market fluctuations.

It’s easy to start making payments with World First. Once you’ve opened an account, you’ll be assigned a dealer who will work with you to find the right business foreign exchange solution for you.


Currency transfers aren’t just about money

They’re about stories. Whether you’re finally buying that place overseas you’ve dreamt of, or sending your money to friends and family.

Why World First?

No matter why you’re transferring money, we can help – so if you’re buying a property overseas, moving to a new country or paying tuition fees, we’ve got a solution that can help you get the most for your money.

Online Sellers

International currency transfers for online sellers

Grow your online business internationally and bring your money home. Cheaper, faster, easier.

How it works

With World First it’s easy to start converting payments back into your own currency. Once you’ve opened a receiving account one of our specialists will work with you to find the right currency solutions and we won't charge you a penny.*


Become a World First Partner

  • Expand into new markets
  • Earn revenue from your referrals
  • Award winning customer service

Why partner with World First?

World First provides partners with a complete end-to-end solution that is tailored to your unique needs and supported by best in class technology. Each partner has a dedicated Relationship Manager who is always on hand to provide industry, marketing and operational support and advice when needed.

Benefits for your clients

  • Dedicated dealing teams
  • Make 24/7 payments
  • Fastest available international transfers
  • Foreign exchange solutions to suit all needs
  • Great exchange rates

We’ve got a lot to say – here’s the latest

Clock ticking on recent UK economic strength

Industrial and manufacturing production calls time on recent economic strength The US jobs report wasn’t the only mixed data release on Friday; UK industrial and manufacturing production disappointed estimates and contracted in March – signalling a weak end to Q1 and fall.

US jobs growth stalls, UK production falls

Good morning, US labour market could have reached peak Truth be told, Friday’s US jobs numbers looked a mess – just 98,000 jobs added (almost half the consensus estimate) marking the second worst nonfarm payrolls reading since the Global Financial Crisis.

New: Transfer magazine – download the spring 2017 edition now

Download your complimentary copy of Transfer magazine here. April showers are starting to give way and the first buds are beginning to form on the trees—it can only mean one thing—spring is finally here! Spring also brings with it the beginning of a brand new tax year.

Will we see a recovery in Europe this year?

Every conversation that I have had about Europe in the past year or so has focused on the politics of the region more than the economics. For every question about growth in the Eurozone I have had 20 about the chances of Marine Le Pen in the French elections or the effect .

Thinking about moving to Canada? Top tips to help make your transatlantic dream a reality

As we kick-off the new tax year, it’s a time when many people begin to consider new opportunities. From starting a new career or launching a new business venture to upping sticks and taking on a completely new adventure abroad, the possibilities are endless.

Thinking Global: The route to UK exporting success

A new report commissioned by World First has found that the UK is losing out on a potential £141.3bn– more than the combined UK Government budgets for health and defence in 2015/16 – because of the SME export gap.

Join our User Panel

To deliver a first class service, we need to involve the people at the heart of what we do – you.

Being on the panel means we may ask you to give feedback on existing or new products. We might ask you to give this feedback online, over the phone or face to face.

Getting involved now doesn’t mean you have to commit, we’ll contact you when we need to and you can let us know if you still want to be involved or not.

So, why wait! Have your say and shape the future of World First by joining our user panel.

So what are you waiting for?

If you need to make an international payment, look no further. Join the 280,000+ clients around the world who are benefitting from our services. Or feel free to give us a shout – a real person will answer your call, within 3 rings. Go on, give us a try. We think you’ll like us.

World First