+44 (0)20 8159 2579

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Based in London, working with clients worldwide

Large international money transfers, planned properly.

FX advice and execution for private clients, property buyers and businesses moving £250k to £20m+.
A plan before the trade, and a named person who answers the phone.

Moving money for a business or for yourself?Corporate FX Private FX
★★★★★ Highly rated on TrustpilotCISI Chartered Member16+ years in FXPayments through regulated partners

“Superb and efficient service. Great expertise with no hidden agenda. Highly recommended.”

M.B. · Private client · April 2026

What does Lucid Foreign Exchange do?

We help people and businesses move large sums between currencies with a plan behind every decision. We look at what you are moving, when it needs to land and what could go wrong, then we handle the execution. You deal with one named person from the first call to the final payment.

01

Understand

What is moving, when, why, and what is keeping you up at night.

02

Plan

Timing, structure and protection, written down so nothing gets decided in a panic.

03

Execute

We place the trades, track the payments and tell you when the money lands.

What you get with Lucid

A named contact who picks up the phone

You call one person who already knows your situation.

Accounts in your own name

Held with our regulated payment partners, which cuts compliance friction and speeds things up when timing matters.

The full cost before you commit

You know exactly what you are paying before you trade.

A plan before any trade

Sometimes the right answer is not to trade yet. We will tell you when it is.

Honest about fit

If we are not the right firm for you, we will say so.

Dave Huggett, founder of Lucid Foreign Exchange

Most of my career was spent in FX options. That is exactly why I rarely recommend them.

I have worked in foreign exchange for over 16 years. I know how these products are built, priced and sold, and who they really suit. For most people moving a large sum the answer is simpler: a clear plan, sensible timing and someone who owns the execution.

I started Lucid in 2021 to give clients exactly that, and to make currency markets make sense to the people relying on them.

Dave Huggett
Founder, Chartered Member of the CISI

What our clients say

Highly rated on Trustpilot. Read all our reviews.

“The communication and actually dealing with a Human made all the difference. The process was hassle free and efficient.”
K.C. · Private client · February 2026
“Wonderful service from Lucid helping with the purchase of an overseas property. Communications were faultless, literally walking us through each and every step (and hand holding where required)! Will 100% use again and will be recommending to friends and colleagues alike.”
D.B. · Overseas property purchase · March 2025
“[Our specialist] helped me deal with a transfer of inheritance money from overseas that I was very stressed out about. The entire process was seamless, and I was clearly guided through every step. Many thanks!”
J.D. · Inheritance from overseas · January 2026

Common questions

What does Lucid Foreign Exchange do?

Lucid Foreign Exchange helps private clients, property buyers and businesses move large sums internationally with transparent pricing, personal guidance and secure execution through regulated partners.

Can Lucid help with large international money transfers?

Yes. That is what we do. We handle transfers from £250k to £20m+ for private clients, property buyers and businesses, with a plan for the timing and one named person from the first call to the final payment.

How much do I need to be moving?

Most clients move between £250k and £20m+. Smaller amounts can make sense when they are part of a bigger picture, so get in touch anyway. If we are not the right fit, we will say so and point you somewhere sensible.

Is my money safe?

Lucid Foreign Exchange never holds or touches client money. Your currency exchange and payments are carried out by our regulated payment partners: The Currency Cloud Limited and Equals Connect Limited in the UK, CurrencyCloud B.V. in the European Economic Area, Visa Global Services Inc. in the United States, and Sciopay Ltd for clients we introduce to them. Your money is held by them and never passes through a Lucid account. In the UK and EEA, these partners are required to safeguard client money, which means keeping it separate from their own funds. Full details of each partner and how it is regulated are at the bottom of every page and on our safeguarding page.

How do you charge?

We make our money on the exchange rate, through a spread. There are no transfer fees and no other charges. The rate we agree is the rate you get, our margin sits inside it, and we show you the full cost before you commit.

How much can I save compared with my bank?

It depends on the size of the transfer, the timing and how your bank prices it. Banks can build their charges into the exchange rate, so the cost is not always obvious. We show you the full cost before you commit, and on a large transfer, timing and protection can matter as much as the rate.

Do you use FX options?

No. Lucid does not offer FX options. Our founder spent most of his career in options, so we know how they are built and who they suit. For most people moving a large sum, a forward contract does the job more simply.

How quickly can I get started?

Once we have your documents, setting up is usually quick. Book a call and we will tell you exactly what we need.

Is Lucid suitable for buying property abroad?

Yes. Lucid supports overseas property buyers with GBP/EUR and other currency transfers, helping clients protect budgets and see the full cost before they commit.

Can Lucid help businesses manage currency risk?

Yes. Lucid provides corporate FX support, including spot transfers, forward contracts and currency risk management strategies.

Moving a large sum soon?

Book an FX Exposure Review. No pressure and no obligation, just a clear view of your timing and your risks.

Or call +44 (0)20 8159 2579, or WhatsApp us