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Posted May 15th, 2009 by Charles Purdy

Smart Daily Currency Note – 15th May 2009

 
Smart Currency Exchange – Daily Currency Rates for Overseas Property Buyers  
Free Daily Inter Bank Currency Exchange Rates 15th May 2009


Currency

Rate

EURO

1.118

US$

1.519

CHF

1.684

CAN$

1.784

AUS$

2.011

Comments: Sterling had a steady day. No UK or international economic data to unduly effect the status quo. The US$ was still benefiting from heightened risk aversion as the poor US retail figures released on Wednesday made the markets more cautious. The US$ rose to recent highs against the € and gained against sterling.

Note:  All rates are mid market inter bank and indicative at the point of publication. 

To get an initial estimate of the cost of a property simply DIVIDE the price of the property by the appropriate currency rate noted above.



Smart Currency Exchange | 1 Lyric Square | Hammersmith | London | W6 0NB | UK

© 2005-2009 Copyright  Smart Currency Exchange Ltd

THIS PUBLICATION DOES NOT CONSTITUTE ADVICE WITHIN THE TERMS OF THE FINANCIAL SERVICES ACT (OR ANY SUBSEQUENT REVISIONS, ADDITIONS, OR AMENDMENTS).

Disclaimer

Exchange rates can move very quickly. The above rates are valid at a moment in time.
Suggestions should not be taken as advice or fact. The market does what it wants to do.  We have no crystal ball and as ever we recommend that if an exchange rate works for your budget then don’t try and wait for an even better exchange rate, as Murphy’s Law says the rate will go against you and cause you maximum pain!





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Posted May 14th, 2009 by Charles Purdy

Smart Daily Currency Note – 14th May 2009

 
Smart Currency Exchange – Daily Currency Rates for Overseas Property Buyers  
Free Daily Inter Bank Currency Exchange Rates 14th May 2009

Currency

Rate

EURO

1.115

US$

1.513

CHF

1.680

CAN$

1.778

AUS$

2.011

Comments: Sterling lost a bit of ground as the Bank of England made it clear that they thought the markets were reading too much into the “green shoots” that seemed to be appearing. In fact BoE thought it more likely to see them wither as the banks desperately try to not lose any more money and thereby keep themselves out of the hands of the government. We also had poor retail figures from the US which perversely saw the US$ gain ground given the rise in risk aversion. So no real chance for sterling to gain any momentum but we are seeing sterling holding above the €1.10 level which is hopefully a positive sign for the medium term.

Note:  All rates are mid market inter bank and indicative at the point of publication. 

To get an initial estimate of the cost of a property simply DIVIDE the price of the property by the appropriate currency rate noted above.



Smart Currency Exchange | 1 Lyric Square | Hammersmith | London | W6 0NB | UK

© 2005-2009 Copyright  Smart Currency Exchange Ltd

THIS PUBLICATION DOES NOT CONSTITUTE ADVICE WITHIN THE TERMS OF THE FINANCIAL SERVICES ACT (OR ANY SUBSEQUENT REVISIONS, ADDITIONS, OR AMENDMENTS).

Disclaimer

Exchange rates can move very quickly. The above rates are valid at a moment in time.
Suggestions should not be taken as advice or fact. The market does what it wants to do.  We have no crystal ball and as ever we recommend that if an exchange rate works for your budget then don’t try and wait for an even better exchange rate, as Murphy’s Law says the rate will go against you and cause you maximum pain!



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London, London
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GB

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Posted May 13th, 2009 by Charles Purdy

Smart Daily Currency Note – 13th May 2009

 
Smart Currency Exchange – Daily Currency Rates for Overseas Property Buyers  
Free Daily Inter Bank Currency Exchange Rates 13th May 2009

Currency

Rate

EURO

1.116

US$

1.527

CHF

1.697

CAN$

1.684

AUS$

1.988

Comments: Sterling benefited from better than expected UK economic data rising against both the € and the US$. British manufacturing data fell by 0.1% in March when the expectation was for a 0.8% drop. Retail figures for April rebounded by their fastest rate for three years and a survey of house prices by the Chartered Surveyors institute came in stronger than expected. So perhaps there are some “green shoots”. The US$ seemed to suffer across the board as risk appetite increased and commodity backed currencies benefited from a rally in oil and metal prices.

Note:  All rates are mid market inter bank and indicative at the point of publication. 

To get an initial estimate of the cost of a property simply DIVIDE the price of the property by the appropriate currency rate noted above.



Smart Currency Exchange | 1 Lyric Square | Hammersmith | London | W6 0NB | UK

© 2005-2009 Copyright  Smart Currency Exchange Ltd

THIS PUBLICATION DOES NOT CONSTITUTE ADVICE WITHIN THE TERMS OF THE FINANCIAL SERVICES ACT (OR ANY SUBSEQUENT REVISIONS, ADDITIONS, OR AMENDMENTS).

Disclaimer

Exchange rates can move very quickly. The above rates are valid at a moment in time.
Suggestions should not be taken as advice or fact. The market does what it wants to do.  We have no crystal ball and as ever we recommend that if an exchange rate works for your budget then don’t try and wait for an even better exchange rate, as Murphy’s Law says the rate will go against you and cause you maximum pain!



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London, London
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GB

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Posted May 12th, 2009 by Charles Purdy

Smart Daily Currency Note – 12th May 2009

 
Smart Currency Exchange – Daily Currency Rates for Overseas Property Buyers  
Free Daily Inter Bank Currency Exchange Rates 12th May 2009

Currency

Rate

EURO

1.115

US$

1.521

CHF

1.682

CAN$

1.770

AUS$

1.990

Comments: A quieter day for sterling before the raft of economic data due out today and throughout the rest of the week. UK and US trade and UK manufacturing data will be released today and it will be interesting to see if there are any "green shoots" of recovery. Sterling fell slightly as markets pulled back following the recent positive run and as risk aversion rose.

Note:  All rates are mid market inter bank and indicative at the point of publication. 

To get an initial estimate of the cost of a property simply DIVIDE the price of the property by the appropriate currency rate noted above.



Smart Currency Exchange | 1 Lyric Square | Hammersmith | London | W6 0NB | UK

© 2005-2009 Copyright  Smart Currency Exchange Ltd

THIS PUBLICATION DOES NOT CONSTITUTE ADVICE WITHIN THE TERMS OF THE FINANCIAL SERVICES ACT (OR ANY SUBSEQUENT REVISIONS, ADDITIONS, OR AMENDMENTS).

Disclaimer

Exchange rates can move very quickly. The above rates are valid at a moment in time.
Suggestions should not be taken as advice or fact. The market does what it wants to do.  We have no crystal ball and as ever we recommend that if an exchange rate works for your budget then don’t try and wait for an even better exchange rate, as Murphy’s Law says the rate will go against you and cause you maximum pain!



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Posted May 8th, 2009 by Charles Purdy

Smart Weekly Currency Note – 8th May 2009

 
  Smart Currency Exchange – Weekly Currency Rates for Overseas Property Buyers  
Weekly Currency Interbank Exchange Rates 8th May 2009

Currency
Rate Last
Week
Rate This
Week
EURO
1.122
1.118
US$
1.488
1.509
CAN$
1.767
1.748
AUS$
2.041
1.984
NZD
2.615
2.529
AED
5.461
5.546

CHF

1.691
1.690

ZAR(Rand)

12.548
12.605

Charles’s Thoughts: Over the long weekend sterling strengthened marginally against most currencies thanks to the improved confidence in the financial sector and renewed risk-appetite. A continued improvement in the UK and European equity markets as well as some rather optimistic (and controversial) estimates on future government debt helped maintain sterling’s momentum through to Thursday’s decisions on UK interest rates from the Bank of England (BoE). However, despite rates being kept on hold at 0.5% as expected, sterling’s recent gains unwound within just a couple of hours due to more plans involving quantitive easing by the BoE. Signs indicating that the rate of decline in the UK economy is slowing has supported sterling after a very tentative period since Christmas but any road to recovery will not be a smooth one.

The results of the stress tests on US banks on Thursday did not surprise [especially as they had been leaked over the weekend] with the US banks needing to add $74bn in capital by November of this year. Risk appetite being on the up has generally taken away from the US$ of late and this trend continued with the US$ hitting a one month low against the euro. The Federal Reserve chairman, Ben Bernanke, is also adopting a ‘cautiously optimistic’ approach when discussing the future of the US economy and said that he expects an upturn by the end of this year. The non-farm payroll data released on Friday supported this notion with a better-than expected result in the keenly watched unemployment figures.

The main event of the week for the euro was the widely anticipated decision from the European Central Bank (ECB) to cut their interest rates by 0.25 to 1%. As has been the case in recent months, it was as much the accompanying statement and sentiment of the members regarding future actions that drew attention. One member described the cut as ‘appropriate taking into account all available information’ which has been a clue in previous statements that there will be no intended change to this rate for some time. Further action from the ECB involved the purchase of €60bn ‘euro denominated covered bonds’ which will aim to support the mortgage lenders. Finishing the week on the front foot the euro has simply not capitulated as many analysts had predicted would happen at the beginning of the year.

The increase in risk-appetite in the markets has boosted many of the high-yield currencies. The Australian dollar is at its strongest level against sterling in several years and with increasing demand for commodities suggesting this is not likely to change very quickly.

Why is Currency Management So Important? Using a bank could cost you £3-4,000 per £100,000 transferred. Buying at the “wrong” time could cost you many £’000′s more as rates can move as much as 3% in a very short period of time. Then add in transfer costs that the banks charge for sending and receiving funds and you could be looking at additional costs of £10,000 per £100,000 transferred. By developing a currency strategy and by working with a specialist currency broker these losses could be minimised if not eliminated.

Smart Client Testimonial: “Thank you for making our transactions go so smoothly. As promised, our account was opened within hours. Your traders were pleasant and efficient, and each transaction was very much at the exchange rate I expected…ie not a million miles away from the inter-bank rates and certainly much better than my high street bank could quote. All in all, an easy experience and we will have absolutely no hesitation in recommending your services to any of our friends buying property abroad.” Ian Pritchard

If you haven’t opened a Smart account yet, call me on freephone 0808 163 0102 or fill out our online Account Form at: http://www.SmartCurrencyExchange.com/application.htm

How much will a Property Cost? To estimate the cost of a property simply DIVIDE the price of the property by the appropriate rate noted above. But note this is based on the inter bank rate so the actual cost will be slightly more.

Charles Purdy
Charles Purdy


Smart Resources

Currency Strategy Worksheet
Need help creating a Currency Strategy? Download our Currency Strategy Worksheet:
http://www.smartcurrencyexchange.com/downloads/CurrencyStrategyWorksheet.pdf

Currency Report
Have your read our 10-page Currency Report that outlines the top 3 mistakes that overseas buyers make when exchanging and transferring their money overseas? Get the report here:
http://www.SmartCurrencyExchange.com/downloads/ThreeMistakes.pdf

Currency Quotation
Are you interested in a currency rate for Euros, US$’s, CYP, NZD, or any other currency, please fill out our Smart quotation form at: http://www.SmartCurrencyExchange.com/smartquotation.htm


Smart Currency Exchange Limited

   


Smart Currency Exchange | 1 Lyric Square | Hammersmith | London | W6 0NB | UK

© 2005-2009 Copyright  Smart Currency Exchange Ltd

THIS PUBLICATION DOES NOT CONSTITUTE ADVICE WITHIN THE TERMS OF THE FINANCIAL SERVICES ACT (OR ANY SUBSEQUENT REVISIONS, ADDITIONS, OR AMENDMENTS).

Disclaimer

Exchange rates can move very quickly. The above rates are the interbank rates and valid at a moment in time. The interbank rate is the rate at which the banks deal with each other in the foreign exchange markets. Suggestions should not be taken as advice or fact. The market does what it wants to do.  We have no crystal ball and as ever we suggest that if an exchange rate works for your budget then don’t try and wait for an even better exchange rate, as Murphy’s Law says the rate will go against you and cause you maximum trouble!



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London, London
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GB

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Posted May 8th, 2009 by Charles Purdy

Smart Daily Currency Note – 8th May 2009

 
Smart Currency Exchange – Daily Currency Rates for Overseas Property Buyers  
Free Daily Inter Bank Currency Exchange Rates 8th May 2009

Currency

Rate

EURO

1.121

US$

1.504

CHF

1.697

CAN$

1.756

AUS$

1.988

Comments: An interesting day yesterday. We had the European Central Bank cutting € interest rates by 0.25% to 1% and announce a plan to buy €60bn of covered bonds in eurozone companies and lend banks unlimited funds for up to 12 months. We also had the Bank of England hold UK interest rates at 0.5% and expand the quantitative easing programme by £60bn. Then we had the results of the US banks stress tests with the net result that a number of banks have to add US$76.4bn in capital by November of this year. The net result was that the € gained ground against sterling and the US$ and sterling also lost a bit of ground against the US$. In essence the action of the ECB was viewed positively by the market as it was seen as a step forward in addressing economic problems in the eurozone and thereby supportive of the €. This was in contrast with the markets view of the BOE’s action which was viewed as monetary easing and undermined sterlings recent support. We await today’s US unemplo yment figures.

Note:  All rates are mid market inter bank and indicative at the point of publication. 

To get an initial estimate of the cost of a property simply DIVIDE the price of the property by the appropriate currency rate noted above.



Smart Currency Exchange | 1 Lyric Square | Hammersmith | London | W6 0NB | UK

© 2005-2009 Copyright  Smart Currency Exchange Ltd

THIS PUBLICATION DOES NOT CONSTITUTE ADVICE WITHIN THE TERMS OF THE FINANCIAL SERVICES ACT (OR ANY SUBSEQUENT REVISIONS, ADDITIONS, OR AMENDMENTS).

Disclaimer

Exchange rates can move very quickly. The above rates are valid at a moment in time.
Suggestions should not be taken as advice or fact. The market does what it wants to do.  We have no crystal ball and as ever we recommend that if an exchange rate works for your budget then don’t try and wait for an even better exchange rate, as Murphy’s Law says the rate will go against you and cause you maximum pain!



SCE/OGC

1 Lyric Square
London, London
W6 0NB
GB

If you no longer wish to receive communication from us:
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Posted May 7th, 2009 by Charles Purdy

Smart Daily Currency Note – 7th May 2009

 
Smart Currency Exchange – Daily Currency Rates for Overseas Property Buyers  
Free Daily Inter Bank Currency Exchange Rates 7th May 2009

Currency

Rate

EURO

1.136

US$

1.509

CHF

1.718

CAN$

1.760

AUS$

2.005

Comments: Sterling continues to benefit as stock markets rise, most importantly financial stocks, and risk appetite increases. We have today the announcement of the US stress tests on their banks balance sheets and the meetings of the European Central Bank and the Bank of England. We wait to see if the leeks on the US bank stress tests are true with Citibank and Bank of America needing significant additional funds. Also we wait to se the announcements from the ECB and BoE with the former expected to cut interest rates by 0.25% and the latter to update us on quantitative easing. Tomorrow we have the US unemployment figures with the expectation that they show a slowdown in the rate on increase in unemployment. An interesting 24 to 48 hours where the main beneficiary could be sterling!

Note:  All rates are mid market inter bank and indicative at the point of publication. 

To get an initial estimate of the cost of a property simply DIVIDE the price of the property by the appropriate currency rate noted above.



Smart Currency Exchange | 1 Lyric Square | Hammersmith | London | W6 0NB | UK

© 2005-2009 Copyright  Smart Currency Exchange Ltd

THIS PUBLICATION DOES NOT CONSTITUTE ADVICE WITHIN THE TERMS OF THE FINANCIAL SERVICES ACT (OR ANY SUBSEQUENT REVISIONS, ADDITIONS, OR AMENDMENTS).

Disclaimer

Exchange rates can move very quickly. The above rates are valid at a moment in time.
Suggestions should not be taken as advice or fact. The market does what it wants to do.  We have no crystal ball and as ever we recommend that if an exchange rate works for your budget then don’t try and wait for an even better exchange rate, as Murphy’s Law says the rate will go against you and cause you maximum pain!



SCE/OGC

1 Lyric Square
London, London
W6 0NB
GB

If you no longer wish to receive communication from us:
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Posted May 6th, 2009 by Charles Purdy

Smart Daily Currency Note – 6th May 2009

 
Smart Currency Exchange – Daily Currency Rates for Overseas Property Buyers  
Free Daily Inter Bank Currency Exchange Rates 6th May 2009

Currency

Rate

EURO

1.129

US$

1.503

CHF

1.705

CAN$

1.769

AUS$

2.031

Comments: A bit of strength from sterling against the euro as sterling benefited from a rising stock market. The markets are also awaiting the outcome of the stress tests on the US banks balance sheets and the meeting of the European Central Bank with the expectation of a 0.25% cut in euro interest rates, both of which are due to happen tomorrow. Higher interest rate currencies such as the Australian dollar also benefited from increased risk appetite and the Australian central bank keeping interest rates on hold as the Australian economy stabilises.

Note:  All rates are mid market inter bank and indicative at the point of publication. 

To get an initial estimate of the cost of a property simply DIVIDE the price of the property by the appropriate currency rate noted above.



Smart Currency Exchange | 1 Lyric Square | Hammersmith | London | W6 0NB | UK

© 2005-2009 Copyright  Smart Currency Exchange Ltd

THIS PUBLICATION DOES NOT CONSTITUTE ADVICE WITHIN THE TERMS OF THE FINANCIAL SERVICES ACT (OR ANY SUBSEQUENT REVISIONS, ADDITIONS, OR AMENDMENTS).

Disclaimer

Exchange rates can move very quickly. The above rates are valid at a moment in time.
Suggestions should not be taken as advice or fact. The market does what it wants to do.  We have no crystal ball and as ever we recommend that if an exchange rate works for your budget then don’t try and wait for an even better exchange rate, as Murphy’s Law says the rate will go against you and cause you maximum pain!



SCE/OGC

1 Lyric Square
London, London
W6 0NB
GB

If you no longer wish to receive communication from us:
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To update your contact information:
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Posted May 5th, 2009 by Charles Purdy

Smart Daily Currency Note – 5th May 2009

 
Smart Currency Exchange – Daily Currency Rates for Overseas Property Buyers  
Free Daily Inter Bank Currency Exchange Rates 5th May 2009

Currency

Rate

EURO

1.127

US$

1.503

CHF

1.706

CAN$

1.766

AUS$

2.032

Comments: No trading here in the UK yesterday but we saw sterling gain value yesterday as greater risk appetite was the order of the day. We have a busy week with the US having the Fed Chairman’s congressional testimony today, on Thursday the results of the US banks stress tests on their balance sheets and on Friday the US unemployment figures. In the euro zone we have the European Central Bank meeting on Thursday and the expectation is for a 0.25% cut in euro interest rates. We also expect to see some “extra” support in line with what has happened here and in the US as the ECB finally realises how desperate it has all become in a large part of the euro zone. So an interesting four day week lies ahead for sterling.

Note:  All rates are mid market inter bank and indicative at the point of publication. 

To get an initial estimate of the cost of a property simply DIVIDE the price of the property by the appropriate currency rate noted above.



Smart Currency Exchange | 1 Lyric Square | Hammersmith | London | W6 0NB | UK

© 2005-2009 Copyright  Smart Currency Exchange Ltd

THIS PUBLICATION DOES NOT CONSTITUTE ADVICE WITHIN THE TERMS OF THE FINANCIAL SERVICES ACT (OR ANY SUBSEQUENT REVISIONS, ADDITIONS, OR AMENDMENTS).

Disclaimer

Exchange rates can move very quickly. The above rates are valid at a moment in time.
Suggestions should not be taken as advice or fact. The market does what it wants to do.  We have no crystal ball and as ever we recommend that if an exchange rate works for your budget then don’t try and wait for an even better exchange rate, as Murphy’s Law says the rate will go against you and cause you maximum pain!



SCE/OGC

1 Lyric Square
London, London
W6 0NB
GB

If you no longer wish to receive communication from us:
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To update your contact information:
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Posted May 1st, 2009 by Charles Purdy

Smart Weekly Currency Note – 1st May 2009

 
  Smart Currency Exchange – Weekly Currency Rates for Overseas Property Buyers  
Weekly Currency Interbank Exchange Rates 1st May 2009

Currency
Rate Last
Week
Rate This
Week
EURO
1.107
1.122
US$
1.471
1.488
CAN$
1.781
1.767
AUS$
2.039
2.041
NZD
2.571
2.615
AED
5.405
5.461

CHF

1.671
1.691

ZAR(Rand)

12.915
12.548

Charles’s Thoughts: On a generally quiet week for economic data or developments the UK news headlines were instead dominated by events involving the potential swine-flu pandemic rather than the ongoing global recession. There have been some encouraging signs that sterling has now reached and returned from the bottom of its value on the currency markets. Prices have maintained recent improved levels despite a lack of supporting market data to support any substantial upturn in the economy other than the sustained increase in manufacturing over the last 3 months. The gains against the US$ is largely thanks to a general increase in risk appetite and an improved sentiment towards the global financial sector. Next week bares little to nothing more in terms of major economic data for sterling other than the Bank of England’s monthly decision on interest rates where the broad expectation will be for another hold at 0.5%.

Major Euro-zone economic data was sparse this week and the figures which were released, such as German unemployment and inflation data, were much as expected. A positive week for European equities helped to increase confidence that perhaps the worst of the down-turn is behind Europe but this may well prove to be overly-optimistic. Next week we will see the European Central Bank’s (ECB) monthly decision on interest rates with a cut of 0.25 % on the cards. Persistent rumours of quantitive easing as a means to stimulate parts of the stalling Euro-zone economy have kept the euro under pressure recently so any mention of this in the accompanying statement with the decision on interest rates could prove to be damaging to the euro short/mid-term.

The US$ suffered on the markets this week as a consequence of the increase in risk appetite and a poorer-than-expected result in Gross Domestic Product figures for the first quarter of 2009. News regarding the bankruptcy of the giant US car manufacturers Chrysler will certainly have contributed to the weekly losses for the US$. President Obama’s decision earlier in the year not to bail-out the chronically troubled car manufacturing industry in the US will now be re-visited as the honey-moon period of his term comes to an end and with it potentially the sense of hope and confidence that his arrival in office had initially brought.

There were no major developments in the high-yield and/or commodity backed currencies. However sterling did reach multi-year lows against the South-African Rand and the Australian dollar this week mainly thanks to an increase in commodity demand worldwide.

Why is Currency Management So Important? Using a bank could cost you £3-4,000 per £100,000 transferred. Buying at the “wrong” time could cost you many £’000′s more as rates can move as much as 3% in a very short period of time. Then add in transfer costs that the banks charge for sending and receiving funds and you could be looking at additional costs of £10,000 per £100,000 transferred. By developing a currency strategy and by working with a specialist currency broker these losses could be minimised if not eliminated.

Smart Client Testimonial: “Thank you for making our transactions go so smoothly. As promised, our account was opened within hours. Your traders were pleasant and efficient, and each transaction was very much at the exchange rate I expected…ie not a million miles away from the inter-bank rates and certainly much better than my high street bank could quote. All in all, an easy experience and we will have absolutely no hesitation in recommending your services to any of our friends buying property abroad.” Ian Pritchard

If you haven’t opened a Smart account yet, call me on freephone 0808 163 0102 or fill out our online Account Form at: http://www.SmartCurrencyExchange.com/application.htm

How much will a Property Cost? To estimate the cost of a property simply DIVIDE the price of the property by the appropriate rate noted above. But note this is based on the inter bank rate so the actual cost will be slightly more.

Charles Purdy
Charles Purdy


Smart Resources

Currency Strategy Worksheet
Need help creating a Currency Strategy? Download our Currency Strategy Worksheet:
http://www.smartcurrencyexchange.com/downloads/CurrencyStrategyWorksheet.pdf

Currency Report
Have your read our 10-page Currency Report that outlines the top 3 mistakes that overseas buyers make when exchanging and transferring their money overseas? Get the report here:
http://www.SmartCurrencyExchange.com/downloads/ThreeMistakes.pdf

Currency Quotation
Are you interested in a currency rate for Euros, US$’s, CYP, NZD, or any other currency, please fill out our Smart quotation form at: http://www.SmartCurrencyExchange.com/smartquotation.htm


Smart Currency Exchange Limited

   


Smart Currency Exchange | 1 Lyric Square | Hammersmith | London | W6 0NB | UK

© 2005-2009 Copyright  Smart Currency Exchange Ltd

THIS PUBLICATION DOES NOT CONSTITUTE ADVICE WITHIN THE TERMS OF THE FINANCIAL SERVICES ACT (OR ANY SUBSEQUENT REVISIONS, ADDITIONS, OR AMENDMENTS).

Disclaimer

Exchange rates can move very quickly. The above rates are the interbank rates and valid at a moment in time. The interbank rate is the rate at which the banks deal with each other in the foreign exchange markets. Suggestions should not be taken as advice or fact. The market does what it wants to do.  We have no crystal ball and as ever we suggest that if an exchange rate works for your budget then don’t try and wait for an even better exchange rate, as Murphy’s Law says the rate will go against you and cause you maximum trouble!



SCE/OGC

1 Lyric Square
London, London
W6 0NB
GB

If you no longer wish to receive communication from us:
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To update your contact information:
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