CurrencyFair
4.5 / 5Trust 4.3 / 512.1k reviews
CurrencyFair is an Ireland-based FX broker offering peer-to-peer and instant transfers at a small margin over mid-market, funded and paid out entirely through bank accounts — no cash pickup or mobile wallet.
Transfer limits
Minimum
€8
Maximum
€1M
Fee structure
- Bank transferFlat transfer fee (~€3) plus a 0.25%–0.6% exchange-rate margin depending on marketplace vs. instant rate€3.000.30%
Delivery methods
Bank transfer
Pros & cons
Pros
- Low, transparent flat fee plus a small FX margin
- No published maximum transfer limit
- Strong Trustpilot rating (4.5/5, ~12,100 reviews)
Cons
- Bank transfer only — no cash pickup or mobile wallet payout
- ~€8 minimum, not built for the smallest sends
- KYC/source-of-funds checks can pause a first large transfer
EUR → PHP rate history
Send with CurrencyFair
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