We use cookies on this site to improve your experience and help us provide you with a better website. An explanation of the cookies we use and their purpose can be found within our Cookie Policy. Your continued use of this site means you consent to the use of cookies.

Regular currency trades (RCTs)

Regular international payments...flexible, automated, reliable. 

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.

Regular currency trades are different from Spot currency trades and Forward currency trades: 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

As well as automated trade orders, the Halo Financial Regular Currency Trade service is also automated. 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.


Hundreds of reviews showing Halo's excellent customer service.
Gold Merchant Status for the fifth year running.
Average Customer Rating:
Independent Service Rating based on verified reviews. Read all reviews
Efficient, friendly service. Easily contacted. Ple...
Chris Wade - 20th Nov
I feel confident that I will receive a good exchan...
13th Nov
"as above"
I use Halo on all my transactions, I get the best ...
Robert - 13th Nov
"No mess no fuss"
Quick, no mess no fuss. I hope the other 2 go so s...
Samantha - 13th Nov
efficient, speedy service
Alvard - 13th Nov
Quick, easy and reliable, highly recommend!
10th Nov
"Excellent service"
Safe - straight forward - helpful efficient staff ...
8th Nov
"See above"
The service was flawless, would recommend them to ...
7th Nov
Excellent fast
6th Nov
Used Halo for about 10 years now to transfer money...
Robert - 6th Nov
Request a call back