Foreign Currency Exchange

Make transparent international payments that cost less

We understand that every penny counts, especially when it comes to currency exchange for expats in Portugal. Unlike traditional banks that charge hefty fees of 2-4% for foreign currency exchange, our FX solutions offer a cost-effective and transparent alternative, with charges less than 1%.

Cost Savings: Save significantly on currency exchange fees with our competitive rates, keeping more of your hard-earned money for what truly matters.
Transparency: Our straightforward approach ensures no hidden fees, providing full visibility into your exchange rates and transactions.
Tram goes down steep hill in Lisbon, Portugal


Charged by banks on FX

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What we charge on FX

FX Savings Calculator

As your trusted partner, we provide a seamless experience with online currency accounts, ultra-competitive exchange rates, and a range of valuable features that ensure you get the most out of your international payments.

Find out how much you could save for yourself by using our FX Savings Calculator.


Transparent payments that costs less

Find out how you can benefit from our FX solutions.
Online Currency Account
Manage your international payments efficiently with our user-friendly online currency account, offering easy access to track and control your funds.
Ultra-Competitive Exchange Rates
Enjoy highly favorable exchange rates that beat traditional banks, ensuring you get more value for your money.
No Hidden Fees
We believe in fair pricing, so there are no additional payment fees to worry about, making your transactions hassle-free.
Forward Rates
Lock in favorable exchange rates in advance with forward contracts, providing stability and protection against currency fluctuations.
Live Interbank Rate
Access real-time interbank rates, empowering you to make informed decisions for your currency exchanges.
FX You Can Trust
Rest assured with our secure and reliable payment solutions, making your international transactions seamless and reliable.
How we support affluent expats

Client case studies

Significantly reducing foreign exchange fees for a real estate entrepreneur

"Portugal Pathways FX experts helped me secure massive savings and the more we transacted the smaller the fees and reduced my existing FX fees by two thirds. Their online platform gave me complete oversight of international rates and I could also fix future prices on currency which was massively important to my company's profitability. Their transparency, exceptional protection and security measures, gave me peace of mind during every foreign currency transaction."
Mark Cartwright
Significantly reducing foreign exchange fees for a real estate entrepreneur
Talk to our experts

Maximise your wealth, tax status, property and life in Portugal

Schedule a free consultation with one of our expert team so that we can offer personalised support to meet your specific needs.

Please note that during the Christmas and New Year period, response times for form submissions may be longer than usual. We appreciate your understanding and patience during this festive season. Our team will do their best to attend to your submissions as promptly as possible. Wishing you a wonderful holiday season!
In order for us to best help you, please state: what solutions you require, the status of your residency, if you hold NHR tax status, if you are currently applying/intending to apply for NHR, if you hold a NIF ID, if you are currently applying/intending to apply for a NIF ID, if you have medical insurance in Portugal, and if you have proof of an address in Portugal, in addition to any other pertinent information.
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asked questions

Find answers to commonly asked questions about our foreign currency solutions.

When spending high amounts regularly making international payments, how significant are the savings?
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FX rates are 0.9% - 0.2% for exchanges above €10,000, with no payment fees. Rates for exchanges below €10,000 remain competitive at 1%. The live interbank exchange rate is displayed, and the lower payment threshold is removed for accounts trading over £1 million annually. Contact our team for any questions.

What is Dynamic Currency Conversion (DCC), and why should I be cautious about it?
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DCC allows international transactions to be billed in the cardholder's home currency but often uses unfavourable exchange rates. Opting to pay in the local currency instead of your home currency may result in better rates. We ensure that you avoid this situation in all circumstances.

What sets us apart from other brokers?
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We provide real-time access to interbank exchange rates, safeguard your pricing within our conditions, and present the option of forward rates for hedging purposes which again can give you more certainty on the future value of your money. The ability to purchase forwards on the web and receive immediate notifications of exchange rate changes ensures that you are consistently aware of the authentic exchange rate. In contrast to most conventional brokers, our solution integrates a streamlined digital approach that accomplishes the same tasks at just a tiny portion of the traditional cost of other main providers.

Who regulates our foreign currency exchange platform, and how is my personal data protected?
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Our foreign currency exchange platform is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). In terms of data protection, our platform partners only deals with regulated entities and leading international technology companies to ensure compliance with ISO/IEC 27001:2013. Regular reviews and enhancements of processes and systems are carried out to maintain security and protect your data.

What protection and security should I expect to receive from my foreign currency transactions?
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Your funds are protected through our global recognised e-money partners, who are regulated by the Financial Conduct Authority (FCA). All accounts are held with Currencycloud who are one of the top organisations in the space. Additionally, your funds are stored in your unique multi-currency account, issued by CurrencyCloud, and held in secure accounts. This structure guarantees and adds multiple layers of security to safeguard your money during foreign currency transactions.

What factors affect the exchange rates I receive for foreign currency transactions?
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Exchange rates are affected not only by the market rate but also by additional fees such as transaction fees or service charges and we pride ourselves on offering the very lowest rates which are significantly lower than the major international banks and FX platforms. Especially for larger and regular transactions.

How to get the best foreign currency exchange rates?
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Fees can significantly impact the effective exchange rate. Always factor in any transaction fees or service charges as well as comparing rates. Our team of FX experts can help you compare rates against all of the major providers and banks. Avoid airport and hotel based FX as they usually offer less favourable rates. Beware of dynamic currency conversion and opt to pay in the local currency, not your home currency, when using a card abroad. Remember, the best approach is to be proactive and informed when exchanging currency. Our FX team of experts have significant savings for high value and volume foreign exchange. Typically, we are able to offer half the fees of the major banks through our FX partners.