See our opening hours. Call us on: 020 7018 3130

We take pride in offering individual service and a high quality product. World First is one of the UK's leading and award-winning foreign exchange companies. Set up in 2004, they now have offices in London, Sydney, Asia and the US. They are therefore a natural choice for our partner.
Typical savings are between 0.25% and 3% of the amount you are transferring, compared to your bank.

No. We are completely transparent about our fees. We do not charge any fees for private customers making personal transfers.
For personal customers, there are no fees when you make a transfer with Harrods Bank International Money Transfer. We will also work with you to help you avoid receiving bank charges in most countries.

The Interbank Rate is the rate that banks and large financial institutions use to trade with each other 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 high street banks, we are able to give you a better exchange rate.

You can transact any amount over £1,000 or equivalent. You can make a transaction online or over the phone.
It can take as little as five minutes to sign up, provided you have all your documents ready. Once you have registered, it could take as little as an hour for you to make your first trade, but you are under no obligation to transact.

Here is what you need to do:

Go online, and accept the terms and conditions, or do it by completing the paper copy. If you live in the UK (or in certain other countries), it is usually possible to verify your identity electronically. If this is not possible, you will be asked to provide 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.

Yes you can, provided you have set up an account. A lot of customers find that they can save a lot of time by managing their International Money Transfers online.

Through Harrods Bank International Money Transfer's easy to use online platform, you can fix a rate and book a trade, manage payments and beneficiaries and view live statements whenever it suits you.

Harrods Bank International Money Transfer is powered by World First UK Ltd, who are authorised by the Financial Conduct Authority, FRN:900508, under the Electronic Money Regulations 2011 for the issuing of electronic money. They have a 3A2 credit rating from Dun and Bradstreet and fully comply with the UK's Payment Services Regulation 2009, which ensures funds are appropriately safeguarded and segregated from business funds. If you would like a bank reference, please do not hesitate to get in touch and we will provide you with one.
At Harrods Bank International Money Transfer, we aim to provide the fastest available international payments. The exact amount of time it will take for your money to get to its destination will depend on several factors, for example the currency you are buying or sending, the bank account you are sending to and the size of the transaction, but in general you can follow this guide:

Sterling, US dollars or Euros

Once we have received your funds, we will usually make the payment on the same day. It should arrive fully cleared at your 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 is important that your funds arrive by a certain date, we will provide information and advice for the country you are sending funds to.

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

Rates quoted by us online

The rates you 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 on our site. 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 on Fridays and 20:15 on Sundays - during these times, the rate will not change, having been set at the end of Friday.
Yes, with what is 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 increased. 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 cost. With a forward contract, you get the peace of mind from knowing that whatever happens, you have already agreed the exchange rate. Please note that forward contracts are only available to UK residents.
Yes, we are able to receive funds from an account that has a different name to your Harrods Bank International Money Transfer account. However, to keep in line with anti-money laundering regulations, we will need to verify the source. Please contact us, and we will be able to provide more information on this.
There are a number of benefits that you get when you use Harrods Bank International Money Transfer rather than another bank or currency broker.

  • Our award-winning customer service - via a dedicated personal account manager, and we pick up every call in three rings
  • Our best in class online platform makes it easy to manage your international payments online, whenever it suits you
  • We do not charge any fees for private customers making personal transfers
  • Europe - IBAN and SWIFT
  • Canada - account number, SWIFT and Transit code
  • Australia - account number, SWIFT or BSB code
  • New Zealand - account number, 6 digit bank code and SWIFT
  • USA - account number, ABA routing number or SWIFT
  • UK - account number and sort code or SWIFT and IBAN
  • India - account number, SWIFT, IFSC number and reason for transfer
  • China - account number and SWIFT
  • Mexico - account number, (Clabe no.), and SWIFT

For more information on other countries, please contact us.

At Harrods Bank International Money Transfer, we do everything we can to make sure every customer has the experience they expect from the Harrods name. However, if you are dissatisfied in any way with the service you received, please let us know. Every single piece of feedback - both good and bad - is appreciated, and is really useful in improving the service going forward. For more information on the Complaints Procedure, click here.