From Cornwall to a property completion overseas
A property price can be agreed months before the money changes hands. For a buyer paying in a different currency, that leaves a second price still moving: the cost of buying the euros. This is the practical problem at the centre of Regency FX's high-value transfer service.
Andy Dyer and Stuart Pritchard founded the business in 2020 after careers in financial trading. Its company history describes how the two friends brought their experience together. The privately owned business operates from Truro, Cornwall. Regency says a single office keeps costs down and helps it offer sharper rates; that is its explanation of the business model, not evidence that every quote beats another provider.
Partner disclosure: SendMoneyCompare earns a commission if you transfer with Regency FX through our links. This review separates company statements, public disclosures and our own illustrative calculations. We do not rank Regency as cheapest without comparable quotes.
A person who stays with the payment
According to the company brief, every client gets a dedicated account manager who remains their contact for repeat transfers. A property buyer can discuss the completion date; someone bringing an inheritance home can explain when funds will become available; a business can plan payments around invoices.
Clients can also check rates, book and track transfers through the online platform, available 24/7. Personal guidance and online access are two ways to use the same service. Managers can discuss market movements, set up limit orders and arrange recurring payments. Market monitoring cannot guarantee the best moment to exchange.
Contact is offered by phone, email and WhatsApp. The brief describes 24/7 access to an account manager, but the public forward-contract page lists phone hours of Monday–Friday, 8:30am–6pm. Ask how out-of-hours support works before relying on it for a deadline.
The decision between deposit and completion
A forward contract agrees the exchange rate for a future currency payment. Regency's published explanation describes the deposit and later settlement. Its supplied brief specifies terms of up to 12 months with a 10% deposit, subject to the agreement offered to the client.
The deposit is part of the contracted payment, not an extra transfer fee. The full amount must be drawn down within the agreed period; a charge may apply if the commitment is not fulfilled. A better market rate later does not automatically release you from the agreed rate. Confirm cancellation terms and any additional funding obligations in writing.
The calculator below shows why timing can matter. It is a mathematical illustration, not a Regency quote, a forecast or a completed customer transaction. A forward quote can differ from a spot quote; the example deliberately holds one assumed rate constant to isolate the effect of a market move.
The property price stays put. The pound cost can move.
Change the euro payment and assumed rate to see what happens before completion.
£21,930more pounds needed at the changed market rate
A 10% contract deposit in this illustration is £41,667, leaving £375,000 to fund. This is separate from a property deposit paid to the seller.
A zero transfer fee is only part of the price
Regency states that it charges no transfer fees. The exchange rate still determines what the recipient receives, and its published disclosures say third-party charges may apply. Request the total amount you must fund and the expected beneficiary amount in writing.
The company brief claims rates typically 3%–5% better than banks. We have not independently measured that claim and do not turn it into a promised saving. We also have no verified Regency spread range or broker price ranking to publish. An account manager's quote and an app estimate need the same currencies, amount, funding method and collection time to support a meaningful comparison.
Use our large-transfer comparison guide to structure that comparison, and compare available transfer estimates. An indicative broker listing is not a booked exchange rate.
Different reasons to move a substantial sum
The company reports more than 150 destination countries and over 45 currencies. GBP/EUR in both directions is its core corridor, with property buyers and sellers in France, Spain, Greece, Ireland and Portugal. Other frequently handled currencies include USD, CAD, AUD, NZD and CHF; the brief also describes clients moving funds between the UAE or Saudi Arabia and the UK or Europe. Coverage totals do not establish that every currency pair or sending country is supported.
- Property: deposits, completion payments and repatriating sale proceeds. Match the quote and settlement date to the legal payment deadline.
- Inheritance and investments: confirm the source-of-funds documentation and when the funds become available before agreeing a transfer.
- Pensions and recurring costs: distinguish a one-off pension transfer from scheduled income or mortgage payments.
- Business and major purchases: confirm the invoice currency, beneficiary details and timing for suppliers, staff, cars or boats.
The brief describes a focus on £10,000+ payments, while the public large-transfer page highlights payments usually £100,000 and above. Neither is a confirmed contractual minimum. Regency reports no upper transfer cap; ask about eligibility and funding arrangements for your amount.
From quote to confirmed arrival
- Describe the transfer. Give the amount, currency pair, purpose and required arrival date.
- Register. Open a free account, complete the required checks and discuss the quote. Registration does not oblige you to trade.
- Agree. Confirm the rate, charges, funding deadline and any forward-contract obligations.
- Fund and send. Pay the designated client account using independently confirmed details, then track conversion and onward payment.
Regency says many transfers arrive the same day once it has received the funds. That is a company service claim, not a measured delivery guarantee. Confirm your currency route, banking cut-offs and document requirements before setting a completion deadline. The company says it confirms payment details directly with clients to reduce the risk of payment diversion.
Who provides the payment service?
The legal disclosures on Regency's website identify separate payment providers. The authorisations below belong to those partners; they should not be described as Regency FX's own FCA permissions.
- UK: The Currency Cloud Limited, an electronic money institution (FCA FRN 900199); Equals Connect Limited, authorised for payment services (FCA 671508); and Sciopay Ltd, an Authorised Payment Institution (FCA FRN 927951).
- EEA: CurrencyCloud B.V., regulated by De Nederlandsche Bank.
- US: Visa Global Services Inc., a licensed money transmitter (NMLS ID 181032).
Ask which legal entity will provide your payment service and check that entity's permissions. Regency says funds are safeguarded through regulated partners. The FCA explains that safeguarding differs from bank-deposit protection: money at a non-bank payment provider is not protected by the FSCS if that provider fails, and recovery can involve delays or deductions.
What the review data can tell you
Our latest collected Trustpilot data for Regency FX: 4.8/5 (534 reviews). The score and count update from the review feed rather than a number typed into this article. Customer reviews describe individual experiences; they do not establish the price, speed or outcome of your transfer.
The supplied brief also reports more than £1 billion transferred during 2025 and 2026 Pan Finance awards for Cross Border Payments Provider of the Year and Excellence in Currency Brokerage (UK). We have not independently audited the volume or corroborated those award titles with an award-organiser record. They remain company-reported background, not reasons for a price or safety ranking.
Sources and the limits of this review
Company-supplied information: “Regency FX: company information for your high-value transfers guide”, reviewed on 29 September 2026. It supplies the founder and office details, coverage, £10,000+ focus, online service, account-manager model, 12-month/10% forward terms, savings claim, volume and awards. It is a direct company submission, not an independent audit.
Public sources checked on 29 September 2026: company history, large-transfer service, forward contracts and phone hours, payment-partner disclosures, FCA consumer guidance, and Trustpilot.
Still to confirm for your transfer: minimum amount, route eligibility, final rate, third-party costs, arrival deadline, out-of-hours access and contract obligations. No transaction receipts or matched competitor quotes were supplied. The visual example is our calculation using stated assumptions, not evidence of realised savings.