Foreign Currency Exchange
Make transparent international payments that cost less
We understand that every penny counts, especially when it comes to currency exchange for expats in Portugal. Unlike traditional banks that charge hefty fees of 2-4% for foreign currency exchange, our FX solution partners offer a cost-effective and transparent alternative, with charges at a small fraction of what other banks charge.
2-4%
Charged by banks on FX
<1 %
Your new FX fees
Features
Transparent payments that costs less
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Client case studies
Significantly reducing foreign exchange fees for a real estate entrepreneur
Maximise your wealth, tax status, property and life in Portugal
Schedule a free consultation with one of our expert team so that we can offer personalised support to meet your specific needs.
Frequently
asked questions
Find answers to commonly asked questions about our foreign currency solutions.
FX rates are 0.9% - 0.2% for exchanges above €10,000, with no payment fees. Rates for exchanges below €10,000 remain competitive at 1%. The live interbank exchange rate is displayed, and the lower payment threshold is removed for accounts trading over £1 million annually. Contact our team for any questions.
DCC allows international transactions to be billed in the cardholder's home currency but often uses unfavourable exchange rates. Opting to pay in the local currency instead of your home currency may result in better rates. Our partners ensure that you avoid this situation in all circumstances.
Our foreign currency exchange partners are authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 for the issuing of electronic money. In terms of data protection, our platform partners only deals with regulated entities and leading international technology companies to ensure compliance. Regular reviews and enhancements of processes and systems are carried out to maintain security and protect your data.
Your funds are protected through our global recognised e-money partners, who are regulated by the Financial Conduct Authority (FCA). Additionally, your funds are stored in your unique multi-currency account, and held in secure accounts. This structure guarantees and adds multiple layers of security to safeguard your money during foreign currency transactions.
Exchange rates are affected not only by the market rate but also by additional fees such as transaction fees or service charges and we pride ourselves on offering the very lowest rates which are significantly lower than the major international banks and FX platforms. Especially for larger and regular transactions.
Fees can significantly impact the effective exchange rate. Always factor in any transaction fees or service charges as well as comparing rates. Our FX partners can help you compare rates against all of the major providers and banks. Avoid airport and hotel based FX as they usually offer less favourable rates. Beware of dynamic currency conversion and opt to pay in the local currency, not your home currency, when using a card abroad. Remember, the best approach is to be proactive and informed when exchanging currency. Our FX partners have significant savings for high value and volume foreign exchange.
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Disclaimer: The information on the Portugal Pathways website and in email communications is for general informational purposes only and should not be construed as legal, tax, or financial advice. You should consult and check with a qualified professional advisor before relying on any information provided on this website or in email communications. As it relates to investments in Golden Visas or other wealth management solutions offered by regulated and professional advisors, it is important to note that past performance is no guarantee of future returns. Private equities can be highly illiquid and come with risk and should always be under professional independent advice.