See What Clients Actually Saved
See how individuals and businesses have reduced costs and improved outcomes on international payments with our real currency exchange.
These are real examples of clients who used the Cosmos free currency audit to identify hidden costs and make better decisions on their international payments. Every case is based on an actual currency audit reviewed personally by Tony.
How a Property Buyer Saved Over £8,600 on a €500,000 Transfer to France
Hayley was in the final stages of purchasing a property in France, with completion set for 5 January — practically the first working day of 2026. Funds were coming from a UK house sale and savings held across multiple accounts, and with the Christmas period cutting into an already tight window, the timing pressure was real.
Without the introduction to Cosmos, she would have gone straight to her bank or a payment app.
With a fixed completion date, funds arriving from different places, and non-banking days in the way, there was no clear way of knowing what the transfer would actually cost.
Before the Transfer
- Planning to use her bank or a payment app
- No clarity on what the exchange rate would really cost
- No plan for navigating the festive-period timeline
After the Audit
- Compared the bank rate against the true market rate
- Identified what she was actually paying within the exchange
- Had proactive support to ensure funds arrived on time
The Result?
The difference was over £8,600 — found within the exchange rate itself, not added as a fee.
- Saved over £8,600 on the €500,000+ transfer to France
- Completed the property purchase on 5 January, as planned
- Hayley went on to introduce Cosmos to the property sellers in France
A typical example of what personal currency support looks like when the stakes and the deadline are real.
Takes 2 minutes. Reviewed personally.
How a Business Saves £6,000 a Year on International Royalty Payments
Xtreme Polishing Systems UK was making regular monthly payments to their US parent company in dollars. The transfers were going out every month without issue — but nobody had looked closely at what those transactions were actually costing. Without an introduction to Cosmos via their accountant, the bank would have been the default.
The Problem:
- Monthly USD payments going through the bank with no rate visibility
- No strategy for timing transfers to take advantage of market movement
- No comparison against the true market rate
After the Audit:
- Identified the gap between the bank rate and the real market rate
- Introduced proactive monitoring to alert them when rates were favourable
- Established a cleaner, more cost-effective process for each monthly transfer
The Result:
- Saving £500 on every £25,000 monthly transfer
- £6,000 saved annually on £300,000 in yearly transfers
- Ongoing visibility and control over a recurring international payment
A straightforward example of what regular international payments are quietly costing businesses and how easy it is to change.
Takes less than 2 minutes. No obligation.
How Beneficiaries Received £2,600 More on a New Zealand Probate Transfer
Stewardship Wills and Probate had always relied on the bank for international transfers. When a case arose involving beneficiaries based in New Zealand, that would normally have meant a reactive, transactional process with no visibility on rates or timing. Introduced to Cosmos through the Institute of Professional Willwriters, the approach changed.
The Problem
- Relying on the bank for all international estate transfers
- No visibility on exchange rates or market conditions
- Beneficiaries receiving whatever rate the bank chose to offer
The bank’s rate is rarely the best rate. The estate deserved better.
After the Audit
- Cosmos monitoring the markets and flagging the right moment to move
- Identified tariff-driven market movement in spring 2025
- Proactive alert to Stewardship when the rate was most favourable
The right moment arrived and Stewardship were ready for it.
The Result
- £2,600 of additional value delivered to the beneficiaries on a £60,000 transfer
- GBP/NZD rate secured at a 16-year high
- Ongoing transfers to the USA, Norway, Spain and Australia since
At a critical moment, the relationship made the difference.
This is what probate currency support looks like when someone is actually watching the markets on your clients' behalf.
Takes 2 minutes. Reviewed personally.
Recognised in the Industry
Award-winning service built on trust, experience and results.
Know What You’ve Lost On Your Last Transfer
If you don’t know these, you almost certainly paid more.
For transfers typically over £10,000. Reviewed personally, not automated.