Explore your international transfer options
Whether you’re sending money for something important today or planning ahead, our international transfer options are designed around you. Enjoy the flexibility to choose how and when you transfer, the reassurance of secure systems, and the support of a dedicated currency specialist.
Transfer money internationally – your way
Transfer at the right time: Send money now, schedule for later, or set up regular payments. You’re in control.
Target a specific exchange rate: Waiting for the right rate? Set your target, and we’ll help you lock it in when the time is right.
Personal service: Your dedicated currency specialist is here to share market updates and support, so you feel informed every step of the way.
Stay in control: Create a secure account in minutes and manage your transfers in your own time.
Exchange your currency at a time that suits you
We offer flexible ways to transfer money, whether you want to send it now, set up a payment for later, or make regular payments.
Spot Contract
Send quick transfers at the current rate.
Forward Contract
Secure today’s rate for future transfers, no surprises.
Regular Payment Plan
Fully automate your transfers to remove the hassle from your recurring payments.
Spot Contract
A Spot Contract allows you to secure the current exchange rate and make a payment on the same day. You have up to two working days to send us the currency. Ideal for:
- Tight deadlines, such as property deposits or urgent family support.
- Fast, straightforward transfers when timing is critical.
The Spot Contract could be useful if you need to make an international transfer immediately.
Spot Contract in action: Sarah has just inherited £50,000 from her late uncle in Canada. The funds are currently held in a Canadian bank account in CAD, but she needs to transfer them to her UK account.
She checks the exchange rate and notices it’s favourable, so she reaches out to her Lumon account manager. After discussing her options, Sarah decides to use a Spot Contract to secure the current rate and transfer the full amount immediately.
She transfers the funds to Lumon, who swiftly exchanges them at the agreed rate and deposits the converted amount into her UK account. With the transfer complete, Sarah avoids potential exchange rate fluctuations and can now focus on managing her inheritance without any added stress.
Forward Contract
A Forward Contract enables you to lock in today’s exchange rate for future payments. All that’s needed is a deposit, so you can plan ahead with confidence and avoid surprises. Ideal for:
- Securing a rate for an overseas property purchase or other future payments.
- Protecting larger payments, such as property deposits or investments, from potential market changes months down the line.
Forward Contracts are there to help you take control of your budget and make the most of your money, no matter what happens with the market.
Forward Contract on an overseas property purchase: Steve is buying a property in France and needs €200,000 in three months. He’s already paid a €20,000 deposit via a Spot Contract and notices the current exchange rate is better than he expected.
To avoid any risk from future fluctuations, Steve reaches out to his Lumon account manager. After discussing his options, they decide a Forward Contract is the best solution. With a small deposit, Steve locks in a competitive exchange rate for the next three months, ensuring he spends less than originally budgeted.
He transfers the deposit to Lumon and can now focus on other aspects of his move without worrying about exchange rate changes. When the time comes, he sends the balance to Lumon, and the team arranges payment to his notaire at the agreed rate, ensuring everything is set for his property completion.
Regular Payment Plan
Our Regular Payment Plan makes it easy to manage ongoing international payments by automating your transfers.
- Great for recurring payments like mortgages and pensions
- You can fully automate the plan so you can stay on top of your finances with less hassle.
You can manage your Regular Payment Plan through your online account. It’s a simple way to keep things running smoothly, so you can focus on what really matters.
Regular Payment Plan in action: After purchasing a holiday home in Spain, Mark and Lisa need to make regular payments for their mortgage, community fees, and utility bills in euros. Instead of manually transferring money each month and worrying about fluctuating exchange rates, they set up a Regular Payment Plan with Lumon.
Their Lumon account manager helps them schedule automatic monthly transfers from their UK account, ensuring their bills are paid on time at a competitive exchange rate. With this in place, Mark and Lisa avoid unexpected currency fluctuations, save on transfer fees, and can enjoy their new home in Spain without the hassle of managing international payments each month.
Supporting customers with international transfers since 2000
Thousands of customers, decades of experience, one goal: to make international transfers simple.
Set your rate and stay in control
Automate your transfers with tools that help you make the most of favourable rates and guard against market drops.
Limit order
Get a better rate by setting your own exchange rate target.
Stop-loss order
Automatically exchange to prevent the rate dropping below your minimum target.
Combine the two
Combine Limit and Stop-loss orders to target your ideal rate and protect against market dips.
Limit order
With a Limit order, we’ll automatically buy your currency once your target exchange rate becomes available, making sure you get the most value for your transfer. Ideal for:
- Setting a preferred rate when you can’t monitor the market closely.
- Waiting for a better rate, like when transferring large sums to family, paying for an overseas investment, or making significant payments.
With a Limit order, you can rest easy knowing you’re getting the best possible rate when the time is right.
Limit order in action: Claire is buying a property in Spain for €120,000. After speaking with her account manager at Lumon, she decides to aim for a better exchange rate to reduce the cost of her transfer.
Instead of exchanging straight away, Claire places a Limit order setting a target rate she’d be happy with. A week later, the market hits that rate, and her transfer is automatically triggered. Her account manager lets her know the good news, and Claire sends over the funds. Lumon handles the rest and ensures the full €120,000 is paid.
By waiting for the right rate and setting a Limit order, Claire could save over a thousand pounds, enough to furnish her new apartment in La Zenia without dipping into her savings.
Stop-loss order
Stop-loss Order helps you protect your currency transfers by setting a rate you’re not willing to go below. It ensures you don’t get caught out by unexpected market shifts. Ideal for:
- Protecting your payments from falling rates when buying a vehicle, investing abroad, or making large purchases.
- Minimising losses if the market moves against you.
By setting a Stop-loss Order, you can stay within your budget and avoid unwanted surprises.
Stop-loss order in action: Richard is buying a villa in Portugal and needs to send €115,000 within the next ten days. With a budget of £100,000, he’s hoping the exchange rate improves, but he also doesn’t want to risk going over budget if the market moves the wrong way.
To protect himself, Richard sets a Stop-loss order with Lumon. This means if the rate drops below a certain point, his euros will still be purchased at a pre-agreed level, keeping his costs in check.
A few days later, the market dips. But thanks to his Stop-loss order, Richard’s euros are secured at the protected rate. He stays within budget and avoids any nasty surprises, all with the support of his Lumon account manager.
Send money abroad
Whether you’re transferring your money for a property, family, or something else, we offer bank-beating rates to help you get more for your money.
Buying property abroad
We make it easy to send money to countries like Spain, France, Portugal as well as over 150 destinations worldwide.
Working with Lumon – your trusted currency partner
Our team of currency specialists have the market knowledge to help you make international transfers. We’re here to help make the process hassle-free.
Bank-beating exchange rates* and no transfer fees
Cared for over 70,000 customers since 2000
Rated "excellent" on Trustpilot
International property specialists
What our customers are saying
Whether you’re buying a property abroad, sending a one off payment or require regular payments, we’re here to help.
Supporting our customers
Lumon were very helpful, professional and understanding. Trading very large amounts of money and sending them abroad can be stressful so it’s great to have somebody on the other end of the line who is ready to help and assure you that all is well.
*Bank-beating exchange rates
Get more for your money with great value on every transfer. We offer bank-beating exchange rates, no transfer fees, and award-winning service you can rely on.
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Manage your overseas transfers online
Want to take control of your international transfers? Your online account can be set up in minutes and puts you in charge of your international payments.
With Lumon, you can use your online account to monitor live exchange rates and make payments quickly and securely, giving you full control over your transfers.
