Currencies Direct vs Key Currency: Fees & Reviews Compared (2025)

Below we compare them on their fees and reviews.

Sections

Fees

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

	Currencies Direct	Key Currency
Trustpilot Rating	4.9	4.9
Number of Trustpilot Reviews	9,400	1,600
iOS App Rating	3.5	N/A
Number of iOS App Reviews	100	N/A
Android App Rating	3.5	N/A
Number of Android App Reviews	500	N/A

Data taken from relevant websites at time of publication.

	Currencies Direct	Key Currency
App Transfers	Yes	No
Online Transfers	Yes	Yes
Phone Transfers	Yes	Yes
In-person Transfers	Yes	No
Available Countries	200	N/A
Number of Currencies	70	37
Payment Methods	Bank account Debit card Credit card Check	Bank account
Receiving Methods	Bank account	Bank account
Cash Pickup Option	No	No
Payments Flexibility	Web platform Mobile app Phone In person	Web platform Phone
Supported Languages	English, French, Spanish, Portuguese, Italian, Norwegian, Swedish, German, Chinese, and Korean	English
Transfer Speed	1-2 hours within Europe 1-2 days for overseas transfers	1-2 days
Dedicated Dealer	Yes	Yes
Instant Custom Quote	N/A	No
Business Features	Spot contracts Forwards contracts Limit orders Stop-loss orders Recurring transfers Digital multi-currency wallet Rate alerts API portal	Spot contracts Forwards contracts Limit orders Market analysis Recurring transfers Rate alerts
Debit Card	Currencies Direct multi-currency debit card	None
Cancellation Policy	N/A	Customers must get in touch with the company to cancel transfers once they’ve been confirmed. Refunds are subject to Key Currency’s approval and granted on a case-by-case basis.
Suitability	Large money transfers	Large money transfers

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

	Currencies Direct	Key Currency
Year Founded	1996	2016
Headquarters	London, UK	Truro, Cornwall, the UK
Other Office Locations	Orlando (USA), Saint John (Canada), Mumbai (India), Albufeira (Portugal), 3 locations in South Africa, and 19 locations in Spain	The Netherlands, Portugal, and Spain
Annual Trading Volume	£9.5 billion	£2 billion
Number of Employees	550	42
Number of Clients	430000	50000
Regulatory Institutions	FinCEN in the USA FINTRAC in Canada FCA in the UK Bank of Spain in Spain and the EU ACPR in France FSB in South Africa	FinCEN in the USA FCA in the UK Bank of Spain in Spain
Awards	Credit Rating of Level 1 (Dun & Bradstreet Corporation, 2010) National Business Awards Finalist (National Business Awards, 2016) Most Positive Client Reviews (Money Transfer Comparison, 2017) Consumer Champion of the Year (Money Age Magazine, 2017) Money Transfer Provider of the Year (Money Age Magazine, 2016, 2017,2018, 2019, 2020, and 2021) Best Rated Money Transfer (Money Transfer Comparison, 2019, 2020, 2021)	Best Currency Exchange Service (ADVFN – each year from 2016 to 2023) Best Currency Provider (Online Personal Wealth Awards – 2016 and 2017)

Data taken from company websites and other third-party sites. It was believed to be accurate at the time of publication but may have since changed.

Top Rated Money Transfer Service

Currencies Direct are the top rated International Money Transfer Service on our list.

See More Comparisons:

	Currencies Direct	Key Currency
Homepage
Transfer Fee	No fee	No fee
Average Exchange Rate Markup	0.4% to 1.4%	0.2% – 1%
Minimum Transfer Amount	$1	$1
Maximum Transfer Amount	£25,000 through the mobile app £300,000 by placing a special request	No limit