Halo Financial. Putting people first Personal foreign exchange services, professionally delivered.
Dedicated to getting you the best deal How can you be sure you're getting the most out of your money when you exchange it? The answer is, unless you plan ahead, you can't. Sure, you can shop around and see who's offering the best rate and the lowest commission on the day but currencies fluctuate all the time. Without the help and expertise of a dedicated currency dealer constantly watching the markets for you, you are likely to lose money simply by converting it at the wrong time. That’s where we add maximum value. Our experts can help you avoid that. At Halo Financial we’ll assess your needs and provide you with a dedicated currency expert to help you make the right trade at the right time, saving you money and ensuring your payments are delivered promptly. You'll be pleased to know we also offer better exchange rates than the bank and we don’t charge commissions on your trades. In other words, we don't just offer a professional currency trading service and lower costs. We offer peace of mind, too.
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Why choose Halo Financial?
Fluctuations in foreign exchange rates, complex international payment plans and a bewildering array of currency trades can be confusing and choosing the wrong option can be very costly. We’re here to make things a little easier by providing you with professional help. Benefit from having your own personal currency dealer We’re responsive and proactive to your needs. When you sign up with Halo Financial, we’ll evaluate your foreign exchange requirements and formulate a plan that suits you best. Then, it’s a matter of watching the markets, applying professional trading techniques and the experience of your dealer to ensure you make the right trade at the right time.
Better than the bank We are currency trading specialists committed to the highest levels of personal service and dedicated to making sure you get the most out of your money. Our service is fast, friendly and efficient and your currency trades will be monitored 24/7. We’ll always find a way to help.
Make the most out of your money Because we specialise in foreign exchange and related services it means our understanding of the currency market is second to none and we are able to offer rates that other financial institutions find hard to beat. Lower overheads mean we can offer better exchange rates without compromising the quality of our service. In fact, our focus only makes us stronger.
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First class service, I have been so pleased with the highly professional manner from Halo. Well done and I have no hesitation in recommending them to others. First class.
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Whether you’re looking to make a one-off payment or set up a regular transfer, Halo Financial can help you do it more efficiently and at a reduced cost. Most importantly, you’ll be talking to a real person on the phone, a foreign exchange specialist dedicated to getting you the best deal.
Why not give us a call?
+44 (0)20 7350 5474
Telephone: +44 (0)20 7350 5474
Email: help@halofinancial.com
Web: www.halofinancial.com
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Professional service. Peace of mind
An expert on the end of the phone. Isn’t it time you made the switch to Halo Financial?
Why do I need a personal currency dealer?
We are: • Safe, reliable and efficient
Our services are ideal if you’re:
In short, the more informed you are, the more money you will save by converting your funds at the right time. Talking through your requirements with a dedicated expert will help you make the right choice. Your FX Consultant will help you understand why exchange rates fluctuate, explain all your options and help you process your payments, making complicated financial transactions easy.
• S pecialists at timing and planning currency transactions
• An expat making regular payments home
•B etter value than the bank, better rates, zero commission
• Retired and collecting your pension from abroad
• I nterested in building long term relationships with all our clients
• Buying or selling property abroad
•D edicated to providing a service that’s friendly and easy to understand
• Emigrating or investing in foreign assets
How will you keep me updated? You choose how we contact you. You can receive updates via phone, regular emails, view our regularly updated newsfeed on our website, enabling you to make informed choices about your currency conversions. With Halo Financial, you’re always kept updated so are always in control.
Can you handle my payments for me? Absolutely. We don’t just handle currency transactions, we also provide payment and transfer services too, meaning that you can relax knowing your money is being transferred accurately, quickly and efficiently to your chosen beneficiary.
Telephone: +44 (0)20 7350 5474
We will: •S ave you money by beating your bank exchange rate • I ncrease your purchasing power by helping you pick the most favourable time to trade •R educe the worry associated with adverse currency fluctuations •H elp you plan for the future, with a strategy tailored to your specific needs •M ake payments and transfers on your behalf, reducing the stress of sending money abroad
• Importing luxury items, like a car or a boat • Simply needing to make an international payment
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We have always received an excellent service from this company. Everyone we've dealt with there has been very helpful.
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review
•P rovide you with information to help you make informed choices about your currency transactions
Email: help@halofinancial.com
Web: www.halofinancial.com
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How we can help?
Need to make regular currency transfers? Using Halo Financial could save you £60 per month, £720 per year, or £10,800 over a typical 15 year mortgage period. Easy and stress free – priceless.
Timing is everything. Don’t let currency fluctuations take you by surprise. Halo Financial can help you make the most out of your money, whether you’re making a one-off payment or transferring money every month.
Buying overseas property
Making regular currency transfers
A European property priced at €250,000 would have cost you £210,000 in late March 2014 but would have cost £11,500 less by the start of July 2014. Knowing when the time is right to make your currency transaction can save you a lot of money. Our currency experts will help you better time your transactions.
You may need to move money overseas regularly, for example making foreign currency mortgage payments, transferring rental income, paying tuition fees or picking up your pension in another country. We offer a better, more responsive, less expensive way to make regular transfers than the bank.
Emigrating
Our Regular Currency Transfer service can make budgeting easier and because it’s automated, will
The only thing worse than going on holiday and finding out your money is worth less than you thought it would be, is moving abroad permanently and making the same mistake. For example, if you were emigrating to Australia and converted £250,000 of your money at the end of January 2014 you would have arrived with A$477,500. But if you had waited just two months until the start of April 2014 you would be departing with A$35,000 less in your pocket. We can help you choose the best time to transact.
ensure important payments are met on time, every time. Because you can choose to fix an agreed exchange rate, you’ll always know how much money you’ll receive and how much you’ll need to pay. It’s a low cost, high convenience solution. Once set up, you can sit back and relax in the knowledge that your money will be automatically received and sent out by us to your selected beneficiary. Take a look at the example below.
The following example shows how much money Halo Financial could save you compared to the bank, assuming you need to buy 1500 Euros:
Cost in Pounds Commission Charge
High Street Bank
Halo Financial
Saving
£1260
£1250
£10
£25
FREE
£25
£30
£5
£25
£1315
£1255
£60
(2% X £1260)
Transfer Fee Total You Pay
*Figures used are for illustrative purposes only and may not reflect present exchange rates or bank charges
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Brilliant service, easy, quick, friendly and efficient staff who make the process of purchasing different currencies to pay our global suppliers, so much easier than using our local bank!"
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review
Telephone: +44 (0)20 7350 5474
Email: help@halofinancial.com
Web: www.halofinancial.com
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Make it easy on yourself. Call the experts
Confused about the different kinds of currency transactions available? We’re here to help. Our experts can guide you through the various types of transaction and help you pick a combination of services that are right for you.
Spot contracts
Automated currency orders
A Spot contract is an agreement to buy or sell currency for immediate delivery at an agreed exchange rate. It’s a ‘trade now, pay now’ type contract and is the simplest and fastest means of buying or selling currency.
Halo Financial delivers best-value deals by using automated currency orders that help you use currency volatility to your advantage; protecting you against currency loss and maximising your currency gain. You don’t have enough time to monitor exchange rates continually. So we do it for you – 24/7.
Forward contracts Forward contracts enable you to fix an exchange rate to buy and sell currency for settlement on or before an agreed date up to 24 months in advance. It’s a ‘trade now, pay later’ type contract and because the rate is fixed, it isn’t affected by currency movements between the date it was agreed and the date the contract is due to be settled. Your currency can be delivered earlier or later than the agreed settlement date either in full or in multiple payments on different dates by drawing down from the initial lump sum. Perfect if, for instance, you have bought an overseas property and need to pay different amounts on fixed instalment dates.
Telephone: +44 (0)20 7350 5474
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Excellent! The people I spoke to were extremely knowledgeable, helpful and the process was fast and efficient. I would recommend highly.
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review
There are two types of automated currency order:
Stop Loss orders A Stop Loss order is an automated order to buy or sell currency at a predetermined ‘worst case’ exchange rate, which if achieved, will automatically fulfil your instruction. It is used to protect yourself against the exchange rate moving against you.
Limit orders A Limit order is an automated order to buy or sell currency at a predetermined ‘best case’ exchange rate, which if achieved, will automatically fulfil your instruction. By exchanging at a better exchange rate you will receive more currency for your money.
Email: help@halofinancial.com
Web: www.halofinancial.com
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Getting started
Call us at a time that suits you Monday — Thursday
8.30am — 8.00pm
Friday
8.30am — 5.30pm
Setting up a trading facility with Halo Financial is quick and easy. Invest 5 minutes today, save £’000’s tomorrow.
Contact us today and we’ll guide you through the process
FAQs
Before we can undertake a currency transaction on your behalf, you will need to open a trading facility. There are two ways in which you can apply:
How do you save me money?
1. Online by visiting www.halofinancial.com/apply This is a secure and quick process. 2. C all us on +44 (0)20 7350 5474 and we can complete your application over the phone. There is no cost to opening a Trading Facility and you are never under any obligation to transact unless you wish to do so. We simply need a few details to help us identify you. Once you’ve set up your facility you’ll be assigned a dedicated expert to discuss your requirements and help you choose a plan of action that best fits your needs. For further information or to discuss your needs call
+44 (0)20 7350 5474 or visit www.halofinancial.com
Telephone: +44 (0)20 7350 5474
By providing a better exchange rate, lower transaction costs and we don’t charge commission. We’ll help you choose the right moment to transact your money as well.
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Very impressed with each member of their team, rapid, accurate and efficient responses, my money landed in France within six hours of set up and the rate of exchange was almost the interbank rate. Well done.
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review
How much can I save? Bank exchange rates are often up to 4% worse than ours. That means you can save up to £2000 for every £50,000 you exchange. You can be certain we’ll work hard to maximise the value of your money so you’ll receive more than you would elsewhere.
When would I receive my currency? Providing we have received your payment on time, you will receive your currency on the agreed settlement date or within a working day or two thereafter depending on the currency being transferred.
How safe is my money? We are authorised by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2009 for the provision of payment services. Our FCA Firm Reference Number is 528727. Also, we are regulated by HM Revenue & Customs (HMRC) as a licensed Money Service Business (MSB). Our MSB registration number is 12197454.
Email: help@halofinancial.com
Web: www.halofinancial.com
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Halo Financial Limited Battersea Studios 2 82 Silverthorne Road London SW8 3HE United Kingdom Telephone +44 (0)20 7350 5474 Fax +44 (0)20 7350 5475 Email Web
help@halofinancial.com www.halofinancial.com
Compliance Authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, FRN: 528727. Her Majesty's Revenue & Customs MSB registration No. 12197454. Registered in England No. 5155787. Š 2015 Halo Financial Ltd.