Navigating international money transfers between the UK and EU
Moving large amounts of money between the UK and the EU can be simple with the right approach. Here we show how using expert services and strategic digital tools can help you transfer funds faster and cut unnecessary costs.
Sebastian Steyn ● Jul 24, 2025
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Whether you're purchasing overseas property, relocating, investing or making business payments, successful transfers of large amounts of money between the UK and the EU depend on timing, cost-efficiency and who you choose to facilitate the transfer.
Banks are rarely the most effective route. Using a forex specialist instead of a high-street bank can save you money and offer better service when making international payments.
Why expert currency guidance matters
Sending money overseas isn’t as simple as initiating a standard payment. When you’re moving £100,000 or more, small changes in the exchange rate can have a big impact on the amount received. On top of this, fees, regulatory requirements and market fluctuations can make the process unpredictable if not carefully managed.
For example, a UK client transferring Pounds to Spain for a property purchase, or a European business sending Euros to fund a UK expansion, will need to consider more than just the bank's published rate. Automated platforms rarely handle the complexity or scale effectively. A dedicated forex broker provides personalised guidance, helps you prepare properly and makes sure the transaction is completed efficiently.
Key factors to consider when sending large international transfers
Transferring significant amounts across borders requires more planning than a routine
transaction. Here are four areas to be aware of:
1. Exchange rates can affect the outcome
The GBP/EUR rate often moves unpredictably. A change of 1% or 2% could mean thousands gained or lost on a large transfer. A dedicated broker monitors the markets and provides relevant updates to help you plan with confidence.
2. Fees can be costly
Traditional banks and some online platforms charge high fees or offer exchange rates that include hidden costs. Sable International provides competitive rates and low, transparent fees, so more of your money reaches its destination.
3. Compliance is essential
Large international payments must comply with anti-money laundering (AML) and know-your-customer (KYC) regulations in both the UK and the EU. Sable International helps you gather and submit the correct documentation quickly and securely.
4. Timing can influence results
Currency markets can be influenced by interest rate decisions, economic data or political developments. Tools such as forward contracts and limit orders can help you manage market movements and protect your transfer from sudden shifts.
The value of a dedicated forex broker
When you're transferring large sums, working with a broker delivers important benefits that banks and digital platforms cannot match. These include:
Personalised service
With Sable International, you're assigned a dedicated broker who understands your situation and supports you through the entire process. Whether you're a UK client purchasing a property in France or an EU-based investor moving capital to the UK, your broker ensures the process is streamlined, consistent and responsive.
Market insight without the complexity
You don’t need to track the market alone. Your broker keeps you updated on relevant currency movements and supports you in planning your transfer effectively. If the Pound strengthens or the Euro weakens, your broker can help you act at the right time based on your transfer goals.
Specialist tools to manage currency risk
Moving large amounts means it’s worth considering more than just the spot rate. Your broker can help you use tools such as:
- Limit orders: Set a target rate, and your transfer is triggered automatically when the market reaches it.
- Forward contracts: Lock in today’s exchange rate for a future transfer. This is useful for purchases or investments where timing is fixed.
These tools offer greater certainty and help reduce exposure to unfavourable market movements.
How Sable International makes it easy to transfer large amounts
Sable International specialises in large international money transfers between the UK and EU. We provide clients with a simple, secure, and personalised experience. Here's what sets us apart:
- Competitive exchange rates: Our rates typically outperform traditional banks, giving you better value on your transfer.
- Transparent fees: We charge a low, upfront margin with no hidden costs.
- Full regulatory compliance: We are licensed in both the UK and EU and follow strict AML and KYC requirements.
- Informed transfer planning: Our team stays on top of GBP/EUR trends and provides guidance to help you time your transfer effectively.
Guide to transferring large amounts of money with Sable International
Getting started is straightforward. Here’s what the process looks like:
- Connect with a broker Contact Sable International to be introduced to your dedicated broker. Share the details of your transfer, whether it’s Pounds to Euros or vice versa.
- Review your options Your broker will assess current market conditions and recommend a suitable approach. Tools like limit orders and forward contracts may be available depending on your needs.
- Complete the paperwork We’ll walk you through the documentation required to meet compliance standards, making sure everything is submitted smoothly.
- Send your funds securely Once your transfer is ready, we execute it promptly and securely.
- Confirmation and follow-up You’ll receive confirmation when your funds arrive, and your broker will remain available for any future transfers.
Success stories from UK and EU clients
- A UK client transferring £250,000 to France for a property purchase saved £4,000 by locking in a favourable rate using a forward contract.
- An EU business transferring €300,000 to the UK used our services to plan the timing of their transfer and avoid the impact of an unfavourable Euro movement.
- A client relocating to Portugal avoided excessive bank fees and delays by using Sable International’s streamlined transfer process.