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Regular currency trades (RCTs)

Flexible, automated, reliable, regular international payments

Whether you're at home or abroad, Halo Financial has developed a simple, flexible and cost-effective payment solution for making regular currency trades. It’s fast, easy, and convenient.

You simply set up your regular international payments in advance with your Currency Consultant, choosing the type of Regular Currency Trade plan that best suits your needs. The regular payments are then automated to save you time and money

Halo’s Regular Currency Trade service will help you:

      Transfer your salary if you work abroad
​      Receive your UK pension if you live overseas
​      Receive rental income from an overseas property
​      Make monthly repayments for an overseas mortgage
​      Pay overseas school, university or other tuition fees
​      Pay property maintenance bills for a property abroad
​      Transfer living or regular travel expenses
​      Send regular payments to relatives overseas

Popular regular international payments
Sending money regularly
for mortgage/property maintenance/bills
Living or working abroad
receiving a UK pension/salary
Personal payments
to or from relatives/friends abroad

Why choose Halo Financial for regular payments?

Man interacting with a tablet
Never miss a payment

The Halo Financial Regular Currency Trade service is automated, so you won’t need to worry about remembering to make your next payment. You will never miss any of your payments, or be hit with any late payment fees.

Low minimum amounts

There is no maximum limit to how much you send and you can send as little as £250 per month, £400 bi-monthly or £500 quarterly,

Saving you money

If you're still using a bank for your regular payment, you may be charged a transfer fee (this can potentially be £40-plus) and commission for each transaction. This adds up with every regular payment internationally. You could be losing out through unfavourable exchange rates, too, so get in touch to see what rates Halo Financial can offer.

Benefits of setting up a RCT plan

1. Flexibility

Halo Financial’s payment plans are flexible; you can customise them around your needs. You can choose when you want to start the payment, select the duration of the plan and the frequency of your payments, as well as choosing from one of three payment dates in the month to ensure your money is received when it’s needed. So, you no longer need to remember when to make your next payment obligation – no forgotten payments, and no late payment fees.

2. Peace of mind

Eliminate the uncertainty of volatile currency markets by setting the exchange rate and payment amount in advance. Manage your budget more effectively by always knowing what you need to pay. Because you can choose to fix an exchange rate against all your future payments, you’ll find it easier to budget. Agree a Regular Currency Trade plan and you’ll know how much money your mortgage repayment will cost, how much of your salary or pension money you’ll receive, how much rental income you will earn from your overseas property, and so on.

3. Convenience

With a Regular Currency Trade plan, you won’t need to contact us each time to agree an exchange rate, as we’ll convert your funds at the pre-agreed fixed exchange rate or at the exchange rate on the pre-agreed payment date. Once you’ve set-up your Standing Order (or Direct Debit) for the payments, there’s nothing more for you to do.
Halo Financial only charges £5 to electronically send your funds to your beneficiary account. There is no maximum limit to how much you can send and you can send as little as £250 per month, £400 bi-monthly and £500 quarterly.

How do regular currency trades work?

There are several regular currency trade plans to choose from – you can tailor them to suit your specific situation and requirements.


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"Great service!"
Wonderful service, as always! A very cost effectiv...
16th Feb
The trade was fixed very quickly and efficiently w...
16th Feb
Efficient and pleasant to deal with.
Janet Hibbert - 16th Feb
I do not6 wish to comment to a third party.
Ralph Scott - 2nd Feb
"Very quick response to emails and always very pleasant and friendly."
I have been dealing with Halo Financial since 2015...
Rajinder Mahal - 30th Jan
This is the third time I've used Halo for an inter...
29th Jan
"Only use Halo!"
Simple, friendly, reliable service that I’ve been ...
Mr Paul Willetts - 26th Jan
"A halo for HALO!"
I have used Halo for all my overseas fund transfer...
Christine Laird - 23rd Jan
Consistently efficient service, highly recommended...
Sarah Fry - 16th Jan
"Efficient and professional"
I have used Halo for several years and have always...
15th Jan
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