Currency exchange

Regency FX vs Key Currency: Which offers better rates and service?

By Regency FX
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November 6, 2025

When it comes to foreign exchange, you can’t reinvent the wheel. Every good currency exchange service is built on the same three things: price, service and security. Both Regency FX and Key Currency are UK-based companies who help individuals and businesses move money globally. The way each company delivers on these three essentials makes a noticeable difference.

In this blog, we break down what both providers offer and why more individuals and businesses are choosing Regency FX for their international transfers.

What does Regency FX do?

Regency FX is a foreign exchange specialist offering both personal and business international transfers. We provide clients with competitive exchange rates, tailored account management and a secure online web portal.

Regency FX focuses on transparency, accessibility and personal support, combining technology with first rate service.

What does Key Currency do?

Key Currency is a UK-based money transfer company providing international payments for individuals and businesses. Clients are typically sent bank details by email to make a transfer, followed by a confirmation once funds are received.

This approach is suitable for clients who prefer a straightforward, email-based process but may not suit those who prefer to track and manage transfers through an online portal.

Feature-by-Feature Comparison: Regency FX vs Key Currency

Feature Regency FX Key Currency
Account Types Personal & Business Personal & Business
Transfer Method Online Portal + Account Manager Account Manager
Online Platform 24/7 access, 2FA secure client portal No client portal
Dedicated Account Manager Yes, available 24/7 Yes
Segregated Client Accounts Yes Yes
Supported Currencies Over 49 Over 37
Forward Contracts Yes Yes
Platform Features Balance viewing, transfer history, live rates, beneficiary management No platform

How does Regency FX compare on price?

Price is always the first thing clients mention when they come to us and for good reason. Even small changes in exchange rates can make a big difference in the final amount received.

Many of the clients who switch to Regency FX tell us they originally got a quote elsewhere, often from Key Currency but decided to double-check with us before committing. Time and time again, they find that our rates come out stronger.

We regularly hear feedback that rates from different providers can shift between the initial quote and the final execution.

With Regency FX, once a rate is agreed, it’s locked in, giving clients clear expectations from the start. This is part of Regency FX’s commitment to fairness and transparency, so every client knows exactly what they’re getting from the start.

What kind of service can clients expect?

Regency FX is known for building genuine, long-term relationships with clients. When you register you’re assigned a dedicated account manager who’s available 24/7. That means whether you’re confirming a large transfer late at night or checking in on market trends, someone is available around the clock to assist you.

Regency FX’s team’s smaller books allow for more personalised onboarding and hands-on support, ensuring every transfer runs smoothly.

Many clients tell us that other brokers operate more like ticketing systems than a partner and their focus feels like it’s about maximising margins rather than understanding client needs. There’s a reason Regency FX clients return time and time again due to the genuine service that puts them first.

How secure are both platforms?

Both Regency FX and Key Currency work with FCA authorised payment providers, which ensures client protection and compliance with UK financial standards.

However, Regency FX adds an extra layer of transparency and security through its online web portal.

About the Regency FX web portal:

  • Protected by two-factor authentication (2FA).
  • Accessible 24 hours a day, 7 days a week.
  • Lets clients view balances, transfer history, live rates and transaction confirmations.
  • Allows clients to convert currency themselves or contact their account manager to do this for them.

Additionally, funds are held in segregated client accounts, fully separated from company operational funds. Regency FX work with FCA-regulated payment processors Sciopay, which provides further safeguards and reliability.

For large transactions, exceeding £100,000, these layers of protection give much-needed peace of mind.

Which platform offers better transparency and comfort?

Key Currency primarily uses email to manage transfers, a method that suits simple or occasional transactions. Clients who want instant visibility over each stage of the process may prefer providers that offer real-time tracking through an online portal.

Regency FX’s digital platform gives clients real-time access and reassurance. You can track every stage of a transfer and confirm settlement instantly without having to wait around for a confirmation email.

For clients who want transparency and security, Regency FX provides a more confidence-inspiring experience.

Which is best for you?

Choosing the right foreign exchange provider depends on what matters most to you. Both companies are FCA-regulated but Regency FX delivers a more transparent and personalised experience.

With better pricing, dedicated 24/7 service and a dedicated web platform, we give our clients the advantage where it matters most, in their wallet and their peace of mind.

Ready to Compare for Yourself?

Get a free, no-obligation quote today and see how our rates compare with Key Currency.

Click here to get a free quote today

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