Key Currency review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Key Currency suits people who send money abroad often and want the transfer itself to carry no charge. It charges No transfer fees (0) and pays out to a bank account, so it is a straightforward pick for senders who do not need extra payout options.
Key facts
- Best for
- Regular sends abroad where the transfer itself costs nothing and a bank payout works.
- Transfer fee
- No transfer fees (0)↗
- Delivery time
- 1-3 working days↗
- Payout methods
- Bank↗
- Currencies
- 40↗
- Fee to send 1,000
- £0↗
- Legal entity
- Key Currency Limited↗
- Headquarters
- United Kingdom↗
- Support channels
- Phone, Email↗
- Official website
- keycurrency.co.uk
Facts checked September 26, 2026, 4 sources
Apps and profiles
Pros and cons
Pros
- It is authorised by the Financial Conduct Authority in the UK under licence 753989 and registered with the Bank of Spain under licence 6912.
- The service is run by Key Currency Limited, based in the United Kingdom, so a named company stands behind every transfer you send.
- Delivery in 1-3 working days suits invoices and support payments you can plan a few working days ahead.
Cons
- Cash pickup and wallet payouts are not among bank, so money can only reach a recipient's bank account.
- Live chat is not among phone and email, so questions go by phone or email rather than an instant reply in a chat window.
Who it suits
- Regular senders who want No transfer fees (0) on each transfer and are happy with a single payout route.
- People paying an overseas supplier or supporting family abroad where the recipient has a bank account.
- Anyone who wants a named operator, Key Currency Limited, regulated in the UK and Spain.
Who should look elsewhere
- Skrill if you pay by debit card, credit card or in the same currency, since each of those adds a percentage.
- PayPal Colombia if you already hold funds in a PayPal balance or linked bank account, where transfers carry no percentage.
- Paysera if you move euros to SEPA or Paysera users every month, since it makes those free and charges a fee to other countries.
Safety of your money
Key Currency is regulated in the UK and in Spain. In the UK the Financial Conduct Authority authorises it under licence 753989, and in Spain the Bank of Spain holds its registration under licence 6912. Both numbers sit in public registers, so a provider can be checked before money moves rather than taken on trust.
Who runs it
The service is run by Key Currency Limited, based in the United Kingdom, so a named company is answerable for the payments it handles. Support runs on phone and email, giving you a person on phone or email when a transfer needs checking. The Financial Conduct Authority and the Bank of Spain both supervise the company, which means a published record sits behind the name in each country.
How Key Currency compares
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Where Key Currency is available
- Available
- Spain, United Kingdom, United States
- Licence in United Kingdom
- Financial Conduct Authority (753989), checked September 26, 2026
- Licence in Spain
- Bank of Spain (6912), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to send money with Key Currency?+
The transfer fee is No transfer fees (0) and the amount listed for it is £0. That covers the transfer service itself, and nothing more is added for sending. The exchange rate is a separate cost, so it is the rate you are quoted, not the fee line, that decides what a send really costs.
How long does a transfer take to arrive?+
Delivery is quoted as 1-3 working days, so a transfer takes working days rather than arriving instantly. The money goes to a bank account, the only route listed in bank, and the recipient takes no action once it lands. Sending a little ahead of a due date suits that timing.
Is Key Currency regulated?+
Yes. The Financial Conduct Authority authorises it in the UK under licence 753989, and the Bank of Spain holds its registration in Spain under licence 6912. A regulator's register is a public record, so a licence number can be checked against the official listing before any money moves.
How does the recipient get the money?+
Payout runs to a bank account. bank is the only method listed, so cash pickup and wallet payouts sit outside the service. Have the recipient's account details ready when the transfer is set up, and the money arrives there directly within the quoted window of 1-3 working days.
Can I reach a person if a transfer goes wrong?+
Support runs on phone and email, which means phone and email are the routes to a person. A phone call suits a transfer that has stalled, while email leaves a written record of the reference and the details you gave. Chat is not among the listed channels, so questions and complaints go through those routes instead.
How many currencies can I send?+
You can send in 40 currencies, a broad corridor list for a service of this kind. Because the transfer fee is No transfer fees (0), the size of that list does not add to the fee line. Check the send currency and the currency the recipient wants are both covered.
Who is behind Key Currency?+
The service is run by Key Currency Limited, a company based in the United Kingdom, so there is a legal name to deal with. The Financial Conduct Authority and the Bank of Spain licence the company under 753989 and 6912, and the numbers are published with the service. A named operator matters if a payment needs chasing.
Sources
- keycurrency.co.uk checked September 26, 2026
Backs: Legal entity
“Key Currency Limited, Suite 1, CMA House, Newham Road, Truro, TR1 2SU, United Kingdom. Registered in England and Wales (registered no. 09603083)”
- keycurrency.co.uk/find-out-more-about-us checked September 26, 2026
Backs: Headquarters
“Our head office is located in Truro, Cornwall”
- keycurrency.co.uk/how-it-works checked September 26, 2026
Backs: Payout methods
“Your funds are converted and transferred to the account you requested as soon as your payment is received.”
- keycurrency.co.uk/transfer-money checked September 26, 2026
Backs: Currencies, Delivery time, Support channels, Transfer fee, Fee to send 1,000, Licences
“Great exchange rates on 40+ currencies”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Exchange rate markup, Licence type.
Related by the facts
Key Currency
Regular sends abroad where the transfer itself costs nothing and a bank payout works.