Transfer online, through our app or over the phone with your Account Manager. TorFX offers fee-free currency transfers at excellent exchange rates.
Go to TorFXLearn more
Supported accounts:
PersonalBusiness
TorFX has a Trustpilot rating of 4.9 out of 5, based on 9,882 reviews.
TorFX has an Apple App Store rating of 4.7 out of 5, based on 116 reviews.
TorFX has a Google Play Store rating of 4.3 out of 5, based on 844 reviews.
A trusted, all-in-one rating that simplifies feedback from across the web.
A weighted average across Trustpilot, App Store, and Google Play. Each source is weighted by its review count, so high-volume sources contribute more to the final score.
Not sure which to pick? Here's how TorFX stacks up against other fintechs.
Download the TorFX app from the App Store or Google Play.
Open accounts, move money, manage cards, and track spending — straight from your phone.
Explore what real users have to say about their experiences with TorFX. These five-star reviews showcase the service and satisfaction that make it a top choice for customers worldwide.
After moving from the UK to USA, I used TorFX to transfer a significant sum following a property sale. Having not made a large currency transfer previously, I was understandably nervous about doing so. However, my account manager Scott made the process seamless. He talked me through multiple test rounds, was patient during my myriad of questions, always approachable and incredibly diligent in the service he provided. I was given a good and fair rate, received excellent advice and would highly recommend TorFX to anyone looking for a reliable, personable FX service.
July 26, 2026
I have used this service for many years and despite my transfers going to a country not on their standard list they have handled them very professionally. My contact Dan has always been helpful and provided swift responses.
July 25, 2026
Explore our collection of articles covering TorFX and the wider world of digital finance.
Sending money abroad can be expensive and risky if you’re not careful. This article outlines five common mistakes to avoid and explains how using a service like CurrencyFair can help you save money and ensure your transfers go smoothly.
Read moreExchange rates move constantly, costing or saving you serious money when sending funds abroad. Learn how to track currency exchange rate trends, time your transfer like a pro, and use free tools like CurrencyFair Rate Alerts to avoid missing the best available rate.
Read moreFor European SMEs seeking modern financial infrastructure, the choice between Wallester Business and Bunq Business hinges on one core distinction: the need for scalable expense management versus a full-service digital bank.
Read moreIf your business spans countries, currencies, and remote teams, your choice of financial infrastructure can make or break efficiency. In this article, we compare Wallester Business and Wise Business side by side — from card issuance to multi-currency accounts — to help you choose the best platform for your company’s global finance operations.
Read moreChoosing the right spend management tool can make or break your financial efficiency — especially if your business operates across multiple teams, cost centres, or currencies. In this comparison, we break down how Wallester Business and Pleo stack up in features, pricing, and scalability to help you find the best fit for your company’s expense management needs.
Read moreStill have a few things you'd like to clear up? Here are straightforward answers to the questions people most often ask about TorFX.
TorFX is a UK-based international money transfer provider and currency brokerage, established in 2004 in Penzance, Cornwall. The company specializes in facilitating large-volume currency transfers for both personal and business clients, offering competitive exchange rates and personalized customer service.
One of TorFX's distinguishing features is its commitment to fee-free transfers, meaning clients are not charged additional fees beyond the exchange rate margin. The exchange rate margin varies depending on the currencies involved and the transaction amount, typically ranging between 0.5% and 2%. This structure often results in more favorable rates compared to traditional high-street banks.
Clients benefit from a range of transfer options, including spot contracts for immediate currency exchanges, forward contracts that allow locking in exchange rates for future transactions, and market orders to target specific exchange rates. Each client is assigned a dedicated Account Manager to provide personalized guidance and support throughout the transfer process.
TorFX is authorized and regulated by the Financial Conduct Authority (FCA) in the UK and the Australian Securities and Investments Commission (ASIC) in Australia, ensuring adherence to stringent compliance and security standards. The company holds the highest credit rating with Dun & Bradstreet, reflecting its financial stability and reliability.
With a presence in multiple countries and the capability to handle over 40 global currencies, TorFX has garnered a strong reputation for its customer-centric approach. This is evidenced by its 'Excellent' rating on Trustpilot, with a 4.9 out of 5 score based on over 6,000 reviews, highlighting client satisfaction with its services.
In summary, TorFX offers a comprehensive suite of international money transfer services characterized by competitive exchange rates, fee-free transactions, and personalized customer support, making it a preferred choice for individuals and businesses seeking efficient and cost-effective currency exchange solutions.
TorFX is currently available to residents of the following countries:
Albania, Andorra, Australia, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, United States, Vatican City.
TorFX offers both personal and business accounts.
On the App Store, TorFX holds a rating of 4.7 out of 5 from 116 reviews.
On Trustpilot, TorFX holds a rating of 4.9 out of 5 from 9,882 reviews.
On the Google Play Store, TorFX holds a rating of 4.3 out of 5 from 844 reviews.
TorFX was launched in 2004.
You can sign up for TorFX directly on their website or mobile app. Opening an account usually takes only a few minutes — you'll need a valid ID and a few personal details to get verified.
Go to TorFXFrom time to time we’ll send you must-know financial news and the best money-saving tips.
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