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Sending money abroad

Manage your international payments your way. Use our secure online account for fast, convenient transfers or work directly with your dedicated currency specialist for tailored support over the phone.

Our specialists monitor the markets to provide valuable insights, helping you make informed decisions. With bank-beating exchange rates and no transfer fees, we help you get the most for your money.

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Send money abroad to over 200 countries in 40 currencies.

With over 20 years of experience helping our clients send money abroad including popular destinations like Spain, France, and Portugal. We can send money abroad to over 200 countries in 40 currencies.

Transfer destinations

Popular live currency rates

View our popular currency pairs to see live rates and historical charts

Frequently asked questions

How to transfer money abroad from the UK?

When sending money abroad, it’s important to choose a secure, reliable provider. With Lumon, you’ll benefit from no fees, competitive rates, and support from a dedicated currency specialist. The process is simple: register, enter recipient details, choose the currency and amount, and confirm the transfer. We’re here to make your transfers cost-effective and hassle-free.

How long does it take to transfer money internationally?

The time required to send money abroad depends on the destination, currency, and payment method. Transfers to popular destinations like Spain, France, and Portugal typically take 1-3 business days. For urgent payments, we offer same-day or instant transfer options.

What details do I need to send money abroad?

To send money abroad, you’ll need the recipient’s full name, International Bank Account Number (IBAN), and Bank Identifier Code (BIC or SWIFT code). In some cases, the recipient’s address may also be required. If you have any questions along the way, your dedicated currency specialist is here to support you, ensuring the process is smooth from start to finish.

How do I find out the exchange rate when I send money abroad?

With exchange rates constantly moving, our specialists keep an eye on the market so you don’t have to. With Lumon, you’ll benefit from competitive rates and the support of your dedicated currency specialist to explore our range of products, like forward contracts, and how they can be tailored to your individual needs, helping you get the most for your money.

How much does it cost to send money abroad?

Lumon offers competitive rates with no fees, helping you get more value for your money when you send money overseas. Other providers including many banks charge high fees and offer less favourable exchange rates that vary by currency, destination and amount.

How much money can I send abroad from the UK?

For high-value transfers, such as buying or selling property abroad, Lumon offers a range of products designed to help you get more for your money. You’ll have the support of a dedicated currency specialist, ensuring there’s always someone to speak to and create a tailored plan for your transfer. With over 20 years of experience in large transfers, we make the process smooth, secure, and reliable, giving you confidence every step of the way.


We're international property specialists

With over 20 years of experience in international property transactions and the support of a dedicated currency specialist, we’re here to help you make the most of your money when making an international property payment.

Why trust Lumon

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Bank beating exchange rates and no fees

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Cared for over 70,000 customers since 2000

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Rated "excellent" on Trustpilot

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Cyber essentials certified

Competitive exchange rates

We pride ourselves on being able to offer exchange rates that can save you money compared to the banks and with no transfer fees, we aim to deliver you exceptional value every time you send money abroad.

View all live rates
Keeping your money safe

Protecting your money is our highest priority. When working with Lumon you can rest assured that our customer-centric service is augmented by robust security measures to keep your money safe when you send money internationally.

How we protect your money

Our bank beating exchange rates

Get more euros for your money when you transfer £50,000 with us

€58,783
Nationwide
€58,305
Bank of Scotland
€58,205
Halifax
€58,205
Lloyds Bank
€58,205
Co-operative Bank
€57,425

This chart is intended to represent the range of euro outcomes a consumer may achieve on a £50,000 transfer of pounds to euros, inclusive of fees and charges. Comparison data for the high-street banks is from FXC Intelligence (FXC Intelligence | Payments Market Data for Global Payments).


Comparison data for the high-street banks utilises pricing data provided under licence from FXC Intelligence (FXC Intelligence | Payments Market Data for Global Payments), a specialist benchmarking tool, for transactions in September 2024. The Lumon rate is calculated by taking the GBPEUR spot rate from 1 September 2024 from the Bank of England (bankofengland.co.uk) and then applying the median FX cost percentage across 103 spot GBP to EUR transactions with a value in the range of £25,000-£50,000 performed by Lumon Pay Limited and associated Group Companies (Lumon Risk Management Limited, Lumon FX Europe Limited) for personal customers during September 2024.

What our customers are saying

Experience was, as usual, worry free and I was confident I was getting the best service and rate. Having a dedicated account manager makes all the difference.
Lumon team all know how to establish a personal connection with the client and establish a long term relationship of trust.

Alieen

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Your trusted currency partner

How we can help

  •  If you’re buying a property abroad
  •  If you’re selling a property abroad
  •  Paying for living expenses abroad
  • Or anything else

We ensure your money reaches its destination quickly, securely, and at a competitive rate. Discover the wide range of transfer needs our team can assist with.

Reasons for transfers

How it works

Currency transfers with Lumon couldn’t be easier

Register for an account

Sign up online or over the phone in just a few minutes.

Secure your rate

Lock in a competitive exchange rate with no hidden fees.

Send us the funds

Transfer money via bank transfer, debit card, or directly from your wallet balance.

We make the transfer

Your currency will be sent swiftly and securely, so you can relax knowing it’s in good hands.

We’re here to help

At Lumon we understand what it takes to help you send money abroad successfully. We tailor our specialist service to meet your individual needs, so you can make international payments with confidence.

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