About the Authors

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Andrew Gibson

Andrew Gibson is a co-founder and director of Key Currency. Day-to-day he looks after finance, digital marketing and staff training.

He is a Chartered Accountant and Chartered Financial Analyst and has appeared on CNBC and Bloomberg TV as a financial expert.

Prior to Key Currency, he worked as an accountant and investment banker before venturing out into the real world to run his own businesses. You can view Andrew’s LinkedIn profile here.

Outside of work, Andrew has a passion for food, coffee and landscaping.

Get in touch with me.

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Mike Smith

Mike Smith is Head of IT and Digital Development at Key Currency.

His articles are about making finance accessible with easy-to-understand information.

There is far too much misinformation in finance today.

Mike is a big believer in the Plain English Campaign, which is about stripping away the jargon and gobbledygook.

Writing clear and helpful information gives our readers confidence in what we do.

You can view Mike’s LinkedIn profile here.

Outside of work, Mike is a crazy about cycling. In 2012, he spent 12 days cycling from John o’Groats to Land’s End to raise money for cystic fibrosis.

Get in touch with me.

Posts by Andrew

Author,  Andrew Gibson A GBP to USD forecast is an expectation of an exchange rate in the future – whether that be days, weeks, months, or years away from now. Exchange rate forecasts help banks, brokers, businesses and individuals, make informed decisions.  Will the Pound get stronger against the US Dollar in 2021? Overall, the… Read More

Author, Andrew Gibson An international bank transfer is usually the best way to transfer money to Spain as it is secure, fast and cheaper than other payment methods such as cash, credit or debit cards. To send money to a Spanish bank account from the UK, you basically have two options: Use a bank Use… Read More

Has Brexit led to a fall in Spanish property prices? The simple answer is no. Overall, Spanish property prices have risen since Brexit. Some coastal areas have seen a decline in demand from British buyers. But the Spanish property market has held up because demand has been strong from other nationalities, such as German, Scandinavian, Irish,… Read More

Selling a property in Spain is part-art, part-science. No doubt there is an element of luck, but there are always things you can do to help your odds. Below we have put together a checklist of 7 simple tips to help boost the sales price of your property in Spain. 1. Tidy up and declutter… Read More

Author,  Andrew Gibson Selling your property in France is a big step. But there are simple things you can do to boost the sales price, make the process quicker and cut your costs. You don’t need to be a property expert, handyman or tax guru to follow my advice. In fact, a lot of it… Read More

Author,  Andrew Gibson If you need to exchange a large amount of currency, you want to choose a way that is safe, efficient and cost-effective. Below you will find out the costs, what options you have, how the process works, and the best way to get a better rate. What are your options? If you… Read More

Author, Andrew Gibson Making an international bank transfer is straightforward once you understand the process. An international bank transfer is when you send money from your account in one country to a bank account in a different country. It is the same thing as an international money transfer. In short, you can either use a… Read More

Author,  Andrew Gibson Below you will find out the highs, lows & averages of the Pound to Euro rate, its full history, why you can’t trust forecasts, and how to achieve a better rate. Highest pound to euro rate ever The highest Pound to Euro rate ever was €1.752 on 3rd May 2000. Following the Euro’s launch… Read More

Author,  Andrew Gibson Below you will find out the highs, lows & trends of the British Pound to US Dollar rate, why you should be wary of forecasts, and how to achieve a better rate. Highest GBP to USD rate ever The Pound to Dollar rate reached a high of $2.649 on 6th Mar 1972.  That remains… Read More

Highest GBP to AUD rate ever The Pound hit an all-time high of $3.028 against the Australian Dollar on 27th September 2001. In 2001, the UK had a booming financial sector and stable political and economic environment. These factors lifted the Pound. Lowest GBP to AUD rate ever The Pound fell to an all-time low of $1.3606 against the Australian Dollar… Read More

Author,  Andrew Gibson There’s a lot to think about when emigrating to Australia from the UK. I’ve been through it myself. The best thing to do is break everything down into small steps. A few years ago, my wife, two kids and I moved to Australia. When I looked online for tips and advice, I couldn’t find a page… Read More

Author,  Andrew Gibson Below you will find out how to get the best euro exchange rate, the hidden costs to look out for, and the places to avoid. It’s not easy to find the best euro exchange rate. There’s so much confusing information out there. Most people just want to know: Who has the best… Read More

Author,  Andrew Gibson I will explain what a currency broker is, how they differ from banks, whether they can be trusted, and how to find the best currency brokers in the UK. What is a currency broker? A currency broker buys and sells currencies directly for customers and transfers the money internationally.  Currency brokers go by… Read More

Highest euro to pound rate ever The Euro hit an all-time high of £0.9804 against the Pound on 30th December 2008. It happened in the middle of the global financial crisis. The Euro almost got to 1-for-1 with the Pound at that time. Lowest euro to pound rate ever The Euro crashed to an all-time low of £0.5708 against the Pound… Read More

How to send money to the UK (in 4 simple steps) You can send money to a UK bank account in just four steps. None are complicated. Whether you use a bank or money transfer specialist, the steps are pretty much the same. Step 1 – Identification check All customers must first have an identification… Read More

Author,  Andrew Gibson If you need to transfer Pounds to Euros and send them to a bank account in Europe, you can use a bank or money transfer company – but the cost can vary a lot. I’ll let you know how it works, what you need, and the best ways to avoid high charges…. Read More

Author,  Andrew Gibson You can transfer Pounds to Dollars in 4 simple steps. I’ll show you how it works, how long it takes, the options you have and the best ways to lower your costs. Transferring Pounds to Dollars (in 4 simple steps) Transferring pounds to dollars and sending them to a US bank account… Read More

Author,  Andrew Gibson I’ll explain how to transfer money to New Zealand in 4 simple steps, how long it takes, the information you need, and how to reduce your costs. How to transfer money to New Zealand (in 4 simple steps) Step 1: Register Any new customer needs to register, which normally only takes a… Read More

Author,  Andrew Gibson I’ll explain how to transfer money from Portugal to the UK in 4 easy steps, how long it takes, the options you have, and the way to avoid paying high charges. You basically have two options if you need to send money from Portugal to the UK: use a bank use a… Read More

Author,  Andrew Gibson It’s quite simple to transfer money from the Netherlands to the UK. I’ll explain how it works, the best ways available, and how you can avoid paying high charges. Transferring money from Netherlands to the UK (in 4 simple steps) If you need to transfer money to a UK bank account, there… Read More

Author,  Andrew Gibson You can transfer money from Ireland to the UK quickly and simply. I’ll explain how it works, the best ways available, and how you can avoid excess charges. Transferring money from Ireland to the UK (in 4 simple steps) Step 1 – Identity check Before you can transfer money from Ireland to… Read More

Author,  Andrew Gibson You can transfer money from Hong Kong to the UK using either a bank or a money transfer company. Both will get the job done, but the costs can vary quite a lot. I’ll explain how it works, how long it takes and the best ways to keep your costs down. How… Read More

Author,  Andrew Gibson Below is a step-by-step guide on how to transfer money from the US to the UK – without paying high charges. I’ll explain how it works, how long it takes, and how to get a better USD to GBP rate. How to transfer money from US to UK (in 4 simple steps)… Read More

Author,  Andrew Gibson Transferring money from the UK to the USA is easy once you understand how it works. Put simply; you can either use a bank or a money transfer service. I’ll explain the process, how long it takes, the options you have, and the costs involved. How to transfer money to the USA… Read More

Author,  Andrew Gibson Transferring money to Canada is straightforward once you understand how it works and the costs involved. The big banks no longer have customers over a barrel. There are alternative ways to send money to Canada that are cheaper, easier and often faster. How to transfer money to Canada (in 4 simple steps)… Read More

Author,  Andrew Gibson I’ll show you how to transfer money from the UK to Australia, as well as explain how long it takes, how to avoid high fees and the best way to get a great rate. Transfer money to Australia (in 4 simple steps)  If you need to send money to Australia, it’s not… Read More

Author,  Andrew Gibson You can transfer money from the UAE to the UK in four simple steps. I’ll explain how to do it, the options you have & how to avoid high fees and charges. How to transfer money from the UAE to the UK (in 4 simple steps) Transferring money from the UAE to… Read More

Author,  Andrew Gibson If you need to transfer money from Spain to the UK, you basically have two choices: Use a bank Use a currency broker A lot of people may automatically think of using their bank as it’s more familiar, and they have an account already. But there are some cost and service advantages… Read More

Author,  Andrew Gibson Transferring money from France to the UK is relatively simple, but the costs and service provided will vary depending on whether you use a bank or currency broker. How to transfer money from France to the UK (in 4 simple steps) Step 1 – Identification check Before you can send money abroad,… Read More

Author,  Andrew Gibson To transfer money from Cyprus to the UK, you can use either a bank or a money transfer specialist. I’ll explain the process, how long it takes, the costs, and how to avoid paying high charges. How to transfer money from Cyprus to the UK (in 4 steps) Sending money from Cyprus… Read More

How to transfer money abroad (in 4 simple steps) Step 1 – Register as a client All new clients need a basic ID check. This is a legal requirement due to financial regulations. It only needs to be done once. For most people, the ID check can be quickly done using your name, address and passport number…. Read More

Author,  Andrew Gibson Transferring Dollars to Pounds is not as complicated as you might think. I’ll explain how it works step-by-step, what options you have & how to reduce your costs. How to transfer Dollars into Pounds (in 4 simple steps) If you need to convert Dollars into Pound Sterling and send it to a… Read More

Author,  Andrew Gibson To transfer CAD to GBP, you can use either a bank or a money transfer specialist. It takes around 2-4 working days for your money to arrive. The true cost is a combination of fees and exchange rates, and depends on the size of your transfer. I’ll explain how the process works… Read More

Author,  Andrew Gibson You can transfer AUD to GBP using either a bank or money transfer specialist.  In general, banks tend to be a more costly option. There’s plenty of money transfer companies to choose from, but there are differences in cost and service. Step 1: Register All new customers need to register to comply… Read More

Author, Andrew Gibson Transferring Euros to a UK bank account is easy once you understand how it works. In short, you can either use a bank or a money transfer specialist to do the job. Below I will explain the process, how long it takes, the options you have, and how to avoid high charges…. Read More

Posts by Mike

Author,  Andrew Gibson Below you will find out the highs, lows & averages of the Pound to Euro rate, its full history, why you can’t trust forecasts, and how to achieve a better rate. Is it a good time to buy Euros with Pounds? It’s worth getting some historical context to help understand whether the… Read More

Author, Mike Smith Euro to Pound forecasts are used by businesses and individuals to make better decisions on the timing of international transfers. A EUR to GBP forecast is essentially an expectation of the exchange rate at a future date using past, present and anticipated data. Will the Euro go up in 2021? The Euro… Read More

Author, Mike Smith I’ll explain everything you need to know about sending money to France, including the fees and other charges, how long it takes, the information you will need and the options you have. How to transfer money to France (in 4 simple steps) Step 1 – Register as a client If you are a… Read More

Author, Mike Smith I’ll explain what Natwest charges for an international payment, how long it takes, the information you will need, and how you can make a Natwest international transfer. Hopefully, it will save you time reading pages of bank jargon and complicated fee schedules. Natwest international transfer fees If you carry out a regular… Read More

Author, Mike Smith It’s not that easy to get clear information from big financial institutions like Nationwide. I’ve put together this page to give you a clear understanding of how to make an international payment with Nationwide, how long it takes and the charges to look out for. Nationwide international transfer fee Nationwide charges no… Read More

Author, Mike Smith I’ll explain what Santander charges for an International Transfer, how long it takes, and how to make a Santander International Payment. Hopefully, it will save you time reading pages of bank jargon and confusing fee schedules. Santander international payment charges explained   While the transfer fee is the more obvious, it is… Read More

Author, Mike Smith It can be confusing trying to get clear and helpful information from the big banks. I’ve put together this guide to save you time searching for the answers. You will find out what Lloyds charges for an international money transfer, how long it takes, and how the process works. Lloyds international transfer… Read More

How to make an international money transfer Step 1 – Customer ID check All new customers will need an ID check due to financial regulations. This only has to be once. Existing customers can skip this step. Most ID checks for individuals are quick and easy. Your passport number and address is often all that’s… Read More

Author, Mike Smith It’s not easy to get clear information from the big banks. I’ve put together this guide to save you time trawling through jargon looking for answers. Below you will find out what HSBC charges for an international transfer, how long it takes, the costs, and how the process works. HSBC international transfer… Read More

Author, Mike Smith A SWIFT transfer, also called an international money transfer, is a secure and standardised method of sending or receiving money from banks anywhere in the world. What is SWIFT? SWIFT is basically a messaging system for banks. It works by linking up banks using standardised codes for payments. The Society for Worldwide Interbank Financial Telecommunication… Read More

As someone that works in the industry, I’ve found that most people just want to know: How do their rates compare? Are there any fees or other charges? Can the company be trusted? Below I’ve put together information to help make it easier on you to get a better dollar exchange rate and avoid hidden fees…. Read More

Author, Mike Smith I’ll explain what Barlcays charges for an International Transfer, how long it takes, and how to make a Barclays International Payment. Hopefully, it will save you time trawling through pages of bank jargon and complicated fee schedules. Barclays international payment charges clearly explained There are two types of charges with an international money transfer…. Read More

Author, Mike Smith If you are buying a house in euros, getting the best exchange rate can make a big financial difference to your budget. I’ll explain the reasons why currency exchange for a property purchase is unique, as well as how you can get a better rate & avoid high charges. Three reasons currency… Read More

Author,  Andrew Gibson You can transfer money to the UK from Switzerland using either a bank or a money transfer specialist. I’ll explain how the process works, how long it takes, the costs, and how to get a better rate. How to transfer money from Switzerland to the UK (in 4 simple steps) Sending money… Read More

Author, Mike Smith I’ll explain how you can transfer money from Italy to the UK in four basic steps. The main thing is to avoid paying high bank charges along the way. How to transfer money from Italy to the UK (in 4 basic steps) Step 1 – Identity check Financial regulations require an ID… Read More

Author, Mike Smith Transferring money from Germany to the UK is quite easy once you understand how it works. The key is to do it safely and avoid paying high fees and charges. I’ve put together this page to explain everything you need to know in plain English. How to transfer money from Germany to… Read More

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