Who we help / Private clients & property
FX for private clients and property.
Buying abroad, selling up or moving family wealth. Large personal transfers handled by one named specialist, with the rate agreed before you commit and support 24/7.
- Typically 0.2% to 0.6% margin, agreed upfront
- Rates fixed ahead of completion
- 24/7 by phone, email and WhatsApp
Common challenges
What goes wrong with large personal transfers?
Most people move a sum this size once or twice in their life. The bank moves thousands a day, and it prices them all the same.
Holds
The bank freezes it at the worst moment
A large payment triggers checks days before completion, and nobody can tell you when it will clear.
Cost
The cost is hidden in the rate
On £500,000, a 2% bank margin is £10,000 you never see on a statement.
Timing
The rate moves before the date
Between offer and completion your currency can fall, and the property costs more than the price you agreed.
Service
Nobody you can actually call
A call centre, a ticket number and a different person every time, often in the wrong time zone.
Who we work with
Who uses BLK.FX for private transfers?
People moving significant sums across borders, usually with a date attached. For how the rate, timing and payments work, see Private Client FX.
Property
Overseas property buyers and sellers
Homes and investment property in Europe, the Middle East and the US, or overseas buyers purchasing in the UK.
Finding the property was the easy partWealth
High net worth individuals and families
Family wealth held in more than one currency, with gifts, school fees and support for family abroad.
Relocation
People relocating abroad
Savings, pensions and house sale proceeds moved into a new home currency at the right moment.
Founders
Founders after an exit
Business sale proceeds and personal wealth managed alongside the business.
What it costs
What does the bank margin cost on a property abroad?
Same money, same day, two different margins. Most banks take 1% to 3%, hidden in the rate they quote.
Illustrative example
A UK buyer sending £500,000 to buy a home in Spain
Typical high street bank
FX margin 2%
Rate applied 1.1368
You receive €568,400
BLK.FX multi-currency account
FX margin 0.3%
Rate applied 1.1565
You receive €578,250
Extra in your account: €9,850
Transfers between BLK.FX multi-currency accounts are fee-free.
Looking for a personalised service? Tell us what you are trying to do, and we will find the simplest route.
“Top notch team, sorting out my FX needs and international money transfers, helping when needed and sorting through any issue as quick as they can. Also really appreciate the above and beyond support while traveling, as I would miss deadlines on various items otherwise.”
Rory Kutluoglu, verified review on Trustpilot
Getting started
What happens after the first call?
Everything is ready before the money has to move, so the deadline is never the risk.
01
A private call
Thirty minutes on what you are moving, where and by when. You leave with the real cost and a plan for the rate.
02
Set up once
Your account opened and verified online well before completion, so nothing is held when the date arrives.
03
One named specialist
The same person for the deposit, the completion and every transfer after it, on call 24/7.
Common questions
Questions private clients ask us.
Why does my bank hold large personal transfers?
Banks run extra checks on large or unusual payments, and they often run them at the last minute, when the money needs to move. With BLK.FX the checks, including where the money has come from, are done when your account is opened, so nothing stalls on completion day.
Can you help me buy property in Spain, France, Dubai or the US?
Yes. BLK.FX sends payments in more than 35 currencies to over 30 countries, so the deposit and the completion can be paid to the lawyer, notary or developer in the local currency. Tell us the country and the date on the first call.
I have just sold my business. Can you help with the proceeds?
Yes. Sale proceeds often arrive in one currency while your life and plans are in another. We help you decide what to convert now and what to hold, and keep business and personal accounts separate, each in the right name. How private clients use BLK.FX
Can you bring money home from selling a property abroad?
Yes. Sale proceeds can be received into an account in that currency, held if you are not ready to convert, and brought home when the rate suits you, with someone watching the market on your behalf.
Will I deal with the same person every time?
Yes. You have one named specialist who knows your situation, from the first deposit to the completion and every transfer after it, reachable by phone, email or WhatsApp at any hour.
Free private client review
Tell us what you are moving, and when.
In 30 minutes you will know what the transfer should cost, whether to fix the rate now or wait, and what we need to have everything ready before the deadline. Free, and no obligation.
Book a call with our team