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For access to your online account please contact your personal account manager, alternatively email team@regencyfx.com.
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For access to your online account please contact your personal account manager, alternatively email team@regencyfx.com.
Most people don’t move large sums of money abroad very often but when they do, it usually means something important is happening You might be buying a home overseas, retiring abroad, paying suppliers in other countries or moving pensions to a new life in the sun. When significant amounts of money are involved, you want clarity and a partner to guide you every step of the way.
Apps are great for sending small amounts, but moving a large sum is a different story. That’s where having a dedicated account manager can really help.
In this blog, we’ll go over the benefits of having a dedicated account manager vs using a money transfer app such as Wise.
When you’re making a big transfer, the little things can make a big difference. Even a small shift in the exchange rate can change the cost.
For instance, buying a property in France for €400,000 could cost an extra £6,880 if the rate drops by just 2%. Having someone guide you through this means you can plan the timing and can avoid any unexpected surprises.
It’s not just about the numbers either. Paperwork can get delayed or tiny mistakes can slow everything down. Having a real person walk you through the process, answer your questions and keep things moving smoothly takes away a lot of stress. Unlike an app, a dedicated manager can spot problems early, give practical advice and help you find solutions before anything becomes costly.
Buying a home overseas is only one part of the story. You might need to move significant sums for many reasons. Each one brings its own pressure and each one benefits from having your own personal account manager.
When you return to the UK from abroad, you may need to bring savings or property sale proceeds with you. Timing and tax considerations make this tricky. A simple plan removes stress. Apps cannot provide guidance on regulatory requirements or the best timing, your account manager can.
If you need to pay suppliers in other countries, late or delayed payments can strain relationships. Clear guidance helps these payments land on time. An app won’t coordinate with multiple parties or double-check payment instructions but your account manager will.
You may need to settle invoices or move funds between branches. You want a smooth process that matches your internal deadlines. Apps may automate transfers but they won’t anticipate issues or provide contingency planning.
If you’re retiring overseas, you may need to move your pension or regular income. You want consistency and a clear schedule so your money arrives when you expect it.
If you are relocating, you may need to move savings, investments or income. Timing and clarity matter. A simple plan makes the move far smoother.
Each journey is different, yet all share one need, an expert to guide you through decisions that matter, something an app cannot provide.
Digital apps such as Wise have made small payments simple but large transfers still rely on experience and clear communication. When the amount is high, you want to understand each step. You want someone who checks the details that matter and keeps everything moving along.
Having your own account manager gives you that confidence. It can turn a potentially tricky process into a simple one.
Yes. Funds are held in safeguarded accounts that sit apart from business funds. This keeps your money protected from the moment it leaves your bank until it reaches the final recipient.
Yes. Every client gets a free account manager who manages your transfer from start to finish. This means you are never passed around. You have one person who knows you and your requirements and can guide you at each step.
Of course. Your account manager can help you plan the timing, protect your rate and meet deadlines set by notaries, lawyers or developers so you avoid last-minute stress.
You can. FX hedging tools such as a forward contract make it possible to secure a rate in advance. This removes uncertainty and keeps your budget intact, ensuring you know exactly what rate you are getting, even if the market moves before completion.
Absolutely. You don’t have to move the full amount in one go. We offer staged transfers so you can choose to send payments gradually instead.
Your account manager can help you set up payments to suppliers overseas and guide you through any required documentation.
High-value transfers need careful checks but the aim is to make the process as smooth as possible. Your account manager will work with you on documents, confirms recipient details and oversees the transfer so you avoid avoidable delays.
Yes. We can help you set up recurring payments to send pensions, salaries, or other income home while you are living and working abroad.
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It’s worth emphasising apps are designed for convenience, not complex, high-value transfers. They cannot provide personalised guidance, anticipate delays or ensure compliance with regulations. They also won’t warn you if a document is missing or a payment might fail.
For large transfers, an account manager adds value that an app simply cannot match:
Single point of contact: Your dedicated account manager knows the purpose of your transfer and can answer any questions you have. They are available 24/7 via email, phone or WhatsApp.
Planning for timing and rates: We help you plan your transfers strategically. By monitoring the market for you, we can help pick the right timing to ensure you get the best possible rate.
Double-checking of all documents and recipient details: Our team carefully reviews every detail to ensure your transfers are secure and compliant.
Flexibility to schedule transfers and lock in exchange rates: Whether you need to schedule multiple transfers, lock in rates or need help with payment instructions, your account manager can help you.
Overall, apps are great for small payments but when it comes to large international transfers, human expertise wins every time.
Regency FX are a UK-based independent currency broker, specialising in high-volume transfers.
All funds transferred through Regency FX are made using client-segregated accounts in accordance with FCA (Financial Conduct Authority) guidelines.
Get your free quote today and you’ll be assigned a free dedicated account manager who will contact you to guide you through your transfer.
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