Horizon FX, international money transfers
Move money across borders for less
When your life or your business spans more than one country, the exchange rate quietly decides how much of your money actually arrives. We introduce our clients to a trusted, regulated currency partner so more of it does.
Almost every cross-border situation we advise on ends with money having to cross a border too. A property sale settles abroad, a pension starts paying out, a salary lands in one currency while the bills sit in another, a supplier invoices in euros or dollars. The high street bank will move it, but it usually does so on a wide margin and with little help. Because foreign exchange sits so close to the tax work we already do, we have arranged for our clients to be introduced to a trusted, regulated currency partner: a specialist that can often offer a tighter rate and a dedicated dealer, with the same calm, expert handling you get from us. Horizon UK Tax Solutions is a tax advisory firm, not a payments business. We act only as an introducer, and the FX and transfer services are provided by our partner's regulated institutions.
What we can offer
Everything you need to move money well
Through our regulated currency partner, you get the full toolkit, not just a one-off exchange.
Currency exchange at a tighter rate
Convert one currency to another on a margin that is usually far tighter than a high-street bank, so more of your money survives the conversion.
International payments and transfers
Send money to and from almost anywhere, securely, with a real person to help on the larger or more complex transfers.
Forward contracts to fix your rate
Lock in the current rate for a transfer you need to make later, so a completion date, a fee deadline or a budget is not left to the market.
Regular and recurring payments
Automate repeat transfers such as a salary, a pension or school fees, on a set schedule and a keen margin.
Rate alerts and target orders
Set the rate you want and be told when the market reaches it, or have a transfer trigger automatically at your target.
A dedicated dealer
A named account manager who understands your situation and is there for the bigger decisions, not an app and a queue.
For individuals
Buying or selling property abroad
Deposits, completion funds and sale proceeds are often the largest transfers you will ever make, where even a small difference in margin can be the cost of a kitchen. A specialist can also fix a rate ahead of completion so a moving date does not become a currency gamble.
Emigrating from the UK
Moving your life savings to a new country is rarely a single click. We can introduce you to a partner who plans the transfers around your move, and your timing can matter for tax as well as for the rate.
Expat salary and pensions
If you earn in one currency and live in another, or draw a UK pension while resident overseas, regular transfers add up. A repeat schedule on a tighter margin keeps more of each payment in your pocket.
Receiving an overseas inheritance
Inherited funds held abroad need to come home in good order. A dedicated dealer can help you bring a larger sum across sensibly, and we can flag any UK tax points before you move it.
Paying international tuition fees
School and university fees abroad, term after term, are a classic case where bank margins quietly mount up. A fixed forward rate can also lock in the cost of a full year in advance.
Selling overseas assets
Shares, a business stake or a second home sold abroad leaves you with a sizeable sum in the wrong currency. Bringing it back well is part of getting the whole transaction right, and we can pair it with the tax treatment.
For businesses
Paying overseas suppliers
If you import goods or services, every invoice settled in a foreign currency carries a margin. A tighter rate across the year can be a real and recurring saving on cost of sales.
Running global payroll
Paying staff or contractors in several countries means regular transfers in multiple currencies. A dedicated account manager can streamline the run and keep the margin keen on each one.
Funding overseas subsidiaries
Sending working capital to a group company abroad should not lose value in transit. A specialist can handle larger, scheduled movements cleanly, alongside the intercompany planning.
Repatriating profits
Bringing profits, dividends or distributions back to the UK is where rate and timing meet tax. We can help you move the money well and consider the tax position together.
Hedging supplier and revenue costs
If your costs or income sit in a currency you do not control, a forward contract can fix a known rate in advance, so a budget set today is not undone by the market tomorrow.
How it saves you money
Every currency conversion has a cost, and most of it is hidden. Banks and providers make their money on the spread: the gap between the mid-market rate (the real rate you see on Google) and the rate you are actually given. A transfer can be advertised as fee-free and still be expensive, because the cost is baked into a weaker rate.
High-street banks often add a margin of several percent on personal transfers, frequently around 3 to 4 percent. A currency specialist typically works on a much tighter margin, so more of your money arrives. On larger transfers, that difference is where the real saving sits.
Illustration: a £250,000 transfer
For illustration only. Actual margins, costs and savings depend on the amount, the currencies and the timing, and exchange rates are never guaranteed.
Why use a specialist
More of your money arrives
A tighter margin on the spread
Banks and providers make their money on the spread, the gap between the mid-market rate and the rate you are given, plus any fee. A currency specialist often works on a tighter margin, so more of your money survives the conversion.
A dedicated dealer who knows you
Instead of an app and a queue, you get a named account manager who understands your situation, talks you through the options and is there for the larger or trickier transfers.
Tools to fix a rate in advance
A forward contract can lock in today's rate for a transfer you need to make later, which can take the guesswork out of a completion date, a fee deadline or a budget. These are tools a typical bank account does not offer.
Simple, secure and regulated
The service is straightforward to use and provided by regulated institutions: an Electronic Money Institution authorised by the FCA and a Money Service Business registered with HMRC. Your transfers are handled with proper safeguards in place.
How it works
Simple, and in safe hands
- 1
Enquire with Horizon
Tell us, in a line or two, what you need to move and roughly when. There is no obligation, and the enquiry comes straight to us.
- 2
We introduce you to our regulated partner
With your go-ahead, we introduce you to our trusted, regulated currency partner, the specialist that actually provides the FX and transfer service.
- 3
A dedicated account manager sets you up
You are set up with your own account manager, who completes the quick registration and the standard identity checks and walks you through the options for your transfer.
- 4
You transfer on a confirmed rate
When you are ready, you transfer on a rate you have confirmed, or fix one in advance with a forward contract. You stay in control of every payment, start to finish.
Enquire about currency & transfers
Tell us a little about your transfer and we will introduce you to our regulated currency partner. No obligation, and no cost to enquire.
Important: how this is regulated
Horizon UK Tax Solutions is a tax advisory firm. It is not authorised or regulated by the Financial Conduct Authority (FCA) to provide payment services or foreign exchange, and it does not hold or handle client money for transfers. Horizon acts solely as an introducer. The foreign exchange and international payment services are provided by our trusted currency partner's regulated institutions: an Electronic Money Institution authorised and regulated by the FCA, and a Money Service Business registered with HMRC. Any currency service you take out is a contract between you and the partner, subject to the partner's own terms, checks and approval. Our partner is not named here for compliance reasons, and we will introduce you directly once you enquire.
Guides & insights
Currency, explained
Buying Property Abroad: How to Protect Your Money from the Exchange Rate
Buying a home abroad in another currency? Learn how the exchange-rate spread works, how a forward contract can fix your rate between offer and completion, and how to time a transfer around your purchase and your UK tax position.
Read moreSending Your Salary or Pension Home: Foreign Exchange for Expats
Living abroad and moving a salary, UK pension or rental income across borders? Learn how exchange-rate margins eat into regular transfers, and how a specialist FX dealer, regular-payment plans and rate alerts can help. Enquire through Horizon.
Read moreCutting the Cost of International Payments for Your Business
If your UK company pays overseas suppliers, staff or subsidiaries, you are likely losing margin on the exchange rate. Here is how to cut the cost of business international payments.
Read moreThe Hidden Cost of Bank Exchange Rates (and the Margin You Do Not See)
Banks rarely charge an upfront fee on currency transfers, yet the exchange rate itself can cost you. Learn how the mid-market rate works, why 'no fee' can still be expensive, and how to compare providers properly before a cross-border transfer.
Read moreLeaving the UK? A Practical Guide to Moving Your Money Abroad
Emigrating from the UK? A practical 2026 checklist for moving money abroad: timing large transfers, managing exchange-rate risk, keeping UK accounts open, and lining it all up with your tax position and the date you leave.
Read moreQuestions