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Virgin Money International Money Transfer is provided by WorldFirst, the award-winning foreign exchange company. World First UK Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900508). In the 2014/15 financial year, 34,668 customers transacted over £7billion with WorldFirst.

Virgin Money International Money Transfer is promoted by Virgin Money Personal Financial Services.

The exchange rates you get with Virgin Money International Money Transfer could be so much better than you’d get from other high street banks. We don’t charge any fees on personal transfers and offer our clients a best exchange rate guarantee. Simply send us a quote from your bank within 3 hours of receiving it and we will beat it.

Get in touch to discover how much you could save.

You won’t get a nasty shock from us – we don’t charge transaction fees.
Banks and large financial companies trade with each other at what's known as the interbank rate, in amounts of over £5million. We make our money in the same way that all banks and foreign exchange companies do – by taking the difference between the interbank rate and the exchange rate we quote you; this is also known as the spread. Because we will typically take a smaller spread than the other high street banks, we're able to give you a better exchange rate, which means your money could go further.
There are no fees when you make a transfer with Virgin Money International Money Transfer, compared with other high street banks, who could charge you up to £40. We’ll also work with you to help you avoid receiving bank charges in most countries.

You can transact any amount over £1,000 (or equivalent in converted currency). For your security, we set a limit of £50k per trade, and a maximum trade value of £100k per day on our online trading platform. If you need make a transaction above this value or would like to request a change to this limit, please give us a call and we will be happy to help you over the phone.
It can take as little as five minutes to sign up, provided you have your documents ready. Once you’re signed up, it could take as little as an hour for you to make your first trade, but you're under no obligation to transact.
Here’s what you need to do:

Go online, read and accept our terms and conditions. We can usually verify your identity electronically. If we can’t do this, we'll ask you for a copy of your passport or driving licence, plus a copy of a bank or credit card statement or utility bill sent to you in the last three months. These can be uploaded via our secure online platform.

Provided you have an account set up with us, you can transact online 24/7. A lot of our customers find they can save time by managing their currency transfers online.

Through the easy to use Virgin Money International Money Transfer online platform, you can fix a rate and book a trade (for now or a date in the future), manage payments and beneficiaries and view live statements whenever it suits you. For your security, we set a limit of £50k per trade, and a maximum trade value of £100k per day. If you need to change this, please call us.

Virgin Money International Money Transfer is provided by World First UK Ltd, who are authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900508).

We aim to provide the fastest available international transfers. The exact amount of time it will take for your money to get to its destination will depend on a few things, for example the currency you're buying or sending, the bank account you’re sending to and the size of the transaction, but in general you can follow this guide:

Sterling, US dollars or euros

Once we’ve received your funds, we'll usually make the payment on the same day. It should arrive fully cleared at the beneficiary bank on the same day, though it might take until the next working day for the beneficiary bank to credit the account.

Other currencies

From the time we receive your payment, please allow between one and four days for your funds to reach the recipient. The precise time will depend on the currency, so while Swedish Kroner could be done in a day, East Caribbean Dollars could take four.

If it's important that your funds arrive by a certain date, get in touch with us and we'll provide information and advice for the country you're sending funds to.

The exchange rate we quote you will depend on the amount you’re looking to send, and when you want it to arrive.

The rates you see on currency converters will usually be based on the interbank rate (see the fourth question in our FAQs for more on this). This is the rate that banks and large financial institutions trade amounts over £5million with each other. With Virgin Money International Money Transfer, we think we’ll get you closer to those rates than any other high street bank. It’s all because we take a smaller margin than the other high street banks, and we’re able to pass that saving onto you in the form of a better exchange rate.

Rates quoted by us online

The rates you'll see quoted through our online system are linked to the live foreign exchange market, so when the markets are open, the rates will be constantly updating. These are your customer rates. The rates will continue to fluctuate up until the moment you accept a rate and book your transaction. The foreign exchange markets are closed between 22:00 GMT on Fridays and 20:15 GMT on Sundays – during these times, the rate will not change, having been set at the end of Friday.

Yes, and fixing a rate can really help you budget. With what’s known as a ‘forward contract’, you can fix an exchange rate for up to three years in advance. There may be an initial deposit to pay, and if the rates move against you this might need to be topped up. A forward contract can come in useful if you need to pay the balance on an overseas property in six months’ time, but you want to know straightaway what the property will end up costing you. With a forward contract, you get the peace of mind from knowing that whatever happens, you have already agreed the exchange rate.

We’re confident our exchange rates come out on top! Virgin Money International Money Transfer will beat the exchange rate given to account holders at high street banks. You must register with Virgin Money International Money Transfer and request a quote within 3 hours of the bank quote. T&Cs apply, click here for more information.
Yes, we are able to receive funds from an account that has a different name to your Virgin Money International Money Transfer account. However, to keep in line with anti-money laundering regulations, we will need to verify the source. Please get in touch, and we’ll be able to provide more information on this.

There are a number of benefits that you get when you use Virgin Money International Money Transfer rather than other high street banks.

First – we don’t charge any transaction fees at all.

Then there’s our award-winning customer service – you get a knowledgeable dealer to guide you through the process, and you’ll always speak to a real person.

Plus, our easy to use online platform makes it easy to manage your international transfers online, whenever it suits you.

We need the full name and address of your beneficiary, along with the below information for the country you are sending funds to:

Europe – IBAN and SWIFT
Canada – SWIFT and Transit code
Australia – SWIFT or BSB code
New Zealand – 6 digit bank code and SWIFT
USA – ABA routing number or SWIFT
UK – account number and sort code or SWIFT and IBAN
India – SWIFT and IFSC number
China – SWIFT
Mexico – Clabe no. and SWIFT

For information on other countries, contact us.

Most email providers use filters to stop spam emails. Occasionally, emails can be incorrectly filtered and moved to your Spam or Junk email folder. To ensure you receive emails from Virgin Money International Money Transfer, please add ‘’ to your safe senders list – you can do this using the Tools or Options menu.

We do everything we can to make sure our customers have a great experience when they use us, and that every transaction is as easy as possible. However, if you are unhappy with how your transaction went or with the service you received from us, please let us know. Every piece of feedback we get – both good and bad - is appreciated, and helps us improve our service. You can contact us here:

We always endeavour to resolve your complaint as quickly as possible. If you remain unhappy, you may be eligible to refer your case to the Financial Ombudsman Service. Please see our full complaints policy here.