Currensea: most-reported complaints
Automated analysis of 881 public Trustpilot reviews published 2026-03-30 to 2026-09-23. TrustScore 4.9 from 23,254 total reviews — see the Trustpilot page. Quick answer: is Currensea legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report account and app problems, with 25 reports out of 58 identified complaints. Support issues are also frequent, including 17 reports of unhelpful assistance and 16 reports of unreachable support. Additionally, 7 complaints cited billing errors, such as charges appearing despite card declines.
How to reach Currensea
These are the contact details Currensea publishes on its Trustpilot profile, as of our last check on 2026-09-23 — phone 02033196588, email [email protected], address 25 Wilton Rd, London, SW1V 1LW, GB.
The company claimed its Trustpilot profile on 2019-04-11, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-21. Trustpilot ranks it 5 of 32 in Currency Exchange Service. We last checked this profile on 2026-09-23 and found 140 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
Companies House: CURRENSEA LIMITED (no. 11413946), active, incorporated 2018 (8.2 years); next accounts due 2027-09-30, last accounts filed 2026-06-29. 3 current officers (4 on record historically), 1 resignation in the last 24 months; 4 filings in the last 12 months (72 filings on record). official record — public register facts, not an indicator of wrongdoing; officer changes are routine in many company structures. Live Companies House status as of 2026-09-23.
Forum footprint: 16 MoneySavingExpert forum discussions mention this company (browse). Roughly 0 of the top, relevance-sorted search results were posted in the last 90 days — an approximate figure by construction, not a true recency count. Recent thread titles: “Currensea and firstdirect”, “Problem signing up to Currensea”, “Currensea”.
Elsewhere: 4.9★ App Store (8,478) · 4.7★ Google Play (2,936)
TrustScore over time
4.9 → 4.9 across 14 census measurements since 2026-08-12. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-15 (99%, 0.2d) · 2026-08-18 (98%, 0.2d) · 2026-08-21 (99%, 0.2d) · 2026-08-24 (98%, 0.2d) · 2026-08-27 (99%, 0.2d) · 2026-09-01 (99%, 0.3d) · 2026-09-04 (98%, 0.3d) · 2026-09-07 (99%, 0.3d) · 2026-09-11 (99%, 0.3d) · 2026-09-14 (99%, 0.3d) · 2026-09-17 (99%, 0.3d) · 2026-09-20 (98%, 0.2d) · 2026-09-23 (99%, 0.3d).
Severity: 31% of this company’s 58 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
1★ share of negative reviews over time
Share of 1–3★ Trustpilot reviews that were 1★
In August 2024, 79% of 28 one-to-three-star reviews were 1★; in September 2026, 40% of 10.
Counted from August 2024 onward — the period for which our capture of 1★, 2★ and 3★ reviews is complete for all three. Months with fewer than 10 such reviews are omitted.
Reviewers here waited a median of 2.4 days between the experience and publishing their negative review (428 reviews record both dates).
Ombudsman outcomes
The Financial Ombudsman Service has published 8 decisions naming this firm (too few to quote an upheld rate).
Covers decisions dated 2024-12-09 to 2026-04-30, by the acceptance-deadline date the Ombudsman publishes — not the date the complaint was decided.
Official published outcomes from the Financial Ombudsman Service, not our analysis. Uphold rates reflect the cases that reached the ombudsman, not all complaints. source.
What their policy promises
refund window: 13 months
“the unrecognised transactions are over 13 months old”
cancellation method: two months' notice
“We can end the Currensea agreement (and stop providing any services) by giving you at least two months' notice.”
cancellation method: 30 days before end
“To prevent this, please get in touch at least 30 days before your subscription is due to end.”
refund window: as soon as possible
“If we do block a transaction, we'll let you know as soon as possible via email.”
Quoted verbatim from the company’s own published policy (source page); complaint counts are census classifications. As of 2026-09-12.
Policy-page monitoring
We monitor this company’s published policy page for changes. No changes have been detected since we started watching on 2026-09-01.
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
Measured reply time: across 397 negative reviews that received a public reply, the median wait was 0.5 days — the company profile reports an average of under a day.
Reply quality: of 397 company replies to negative reviews analysed, 53% engaged with the specific problem and 10% were generic templates.
Review provenance: 821 company-invited reviews in the recent window average 4.92★, while 22 organic (uninvited) reviews average 2.41★.
5% of its 780 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: account/app problems makes up 43% of this company’s complaints vs a 25% median across 100 ranked companies in its sector.
Review velocity: 4,993 of this company’s 23,254 Trustpilot reviews (21%) were written in the last 12 months.
What are the most common complaints about Currensea?
Account/app problems
25 reports · 43% of complaintssteady“They keep blocking my card because they think it has expired when I still have 9months of use left before expiry.”
The company replied on 2026-04-03: “Hello, Thank you for taking the time to leave a review and we are sincerely sorry that you are experiencing issues. We were unable to locate your account and were not able to locate any customers…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“Despite several attempts I have been unable to talk to a member of staff about this. And I am still unable to use my account.”
The company replied on 2026-09-21: “Thank you for taking the time to update your review and for your kind comments. We’re really sorry for the frustration and inconvenience you experienced, particularly when you were unable to use your…”
Our classifier read this reply as a substantive response.
“this company has frozen my card for no valid reason”
The company replied on 2026-09-15: “Thank you for taking the time to share your feedback. We’re sorry that these checks have been frustrating, particularly while travelling. As an FCA-authorised financial services provider, we’re…”
Our classifier read this reply as a substantive response.
Support unhelpful
17 reports · 29% of complaintsrising since 2026-08“the Currensea human intervention is woeful”
The company replied on 2026-04-13: “Hello William, Thank you for taking the time to leave a review. Your issue required assistance from our technical team and it was resolved last week. You've also received a call from one of our…”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“Despite several attempts I have been unable to talk to a member of staff about this. And I am still unable to use my account.”
The company replied on 2026-09-21: “Thank you for taking the time to update your review and for your kind comments. We’re really sorry for the frustration and inconvenience you experienced, particularly when you were unable to use your…”
Our classifier read this reply as a substantive response.
“this company has frozen my card for no valid reason”
The company replied on 2026-09-15: “Thank you for taking the time to share your feedback. We’re sorry that these checks have been frustrating, particularly while travelling. As an FCA-authorised financial services provider, we’re…”
Our classifier read this reply as a substantive response.
Support unreachable
16 reports · 28% of complaintssteady“They keep blocking my card because they think it has expired when I still have 9months of use left before expiry.”
The company replied on 2026-04-03: “Hello, Thank you for taking the time to leave a review and we are sincerely sorry that you are experiencing issues. We were unable to locate your account and were not able to locate any customers…”
Our classifier read this reply as a deflection.
1 reader marked this review helpful on Trustpilot.
“no live support, no help or response, left a message, still nothing”
The company replied on 2026-08-14: “Hello Bill, Thank you for taking the time to leave a review and we are very sorry to hear that you have been inconvenienced due to your card being frozen. As you can appreciate, our fraud engine runs…”
Our classifier read this reply as a substantive response.
“Amounts charged to bank account even though card declined by retailer”
The company replied on 2026-08-10: “Thank you for taking the time to leave a review and share your feedback. We're sorry to hear about your experience and completely understand how concerning it can be to see a payment taken when the…”
Our classifier read this reply as a substantive response.
Billing errors
7 reports · 12% of complaintsrising since 2026-08“Amounts charged to bank account even though card declined by retailer”
The company replied on 2026-08-10: “Thank you for taking the time to leave a review and share your feedback. We're sorry to hear about your experience and completely understand how concerning it can be to see a payment taken when the…”
Our classifier read this reply as a substantive response.
“threatening to charge me for being the victim of theft”
The company replied on 2026-06-16: “Hello Saif, We are truly sorry to hear that you went through a distressing experience. We can see that our team member(s) have been in touch with you about this matter. Due to security reasons, we…”
Our classifier read this reply as a deflection.
“Got double charged in a restaurant.”
The company replied on 2026-04-22: “Hello Lynn, Thank you so much for taking the time to leave a review and we are very sorry to hear that you believe that we have let you down. We see that you have also raised a ticket with us and one…”
Our classifier read this reply as a deflection.
Other
4 reports · 7% of complaintssteady“I explained to Currensea and they refused. It could have left us homeless in Morocco.”
The company replied on 2026-06-17: “Hello Sarah, Thank you for taking the time to leave a review and we are truly sorry that you had an issue with your hotel booking. We see that you have been in communication with our team about this…”
Our classifier read this reply as a deflection.
“in the end I lost the money”
The company replied on 2026-08-04: “Hi Sherma, Thank you for taking the time to leave a review and share your feedback with us. We're delighted to hear that you've enjoyed using your Currensea card when travelling and that you've been…”
Our classifier read this reply as a substantive response.
“despite clicking unsubscribe they continue harassing me”
The company replied on 2026-06-09: “Hello Kristina, Thank you for taking the time to leave a review and we are truly sorry about this. Please allow us to explain. Our unsubscribe service is working as expected; however, you received a…”
Our classifier read this reply as a substantive response.
Hard to cancel
3 reports · 5% of complaintsrising since 2026-08“I requested CURRENSEA, to cancel my account, and in effect, they refused.”
The company replied on 2026-08-03: “Hello Ray, Thank you for taking the time to share your feedback. We appreciate you acknowledging that our system successfully detected the unusual activity and froze your card, preventing any…”
Our classifier read this reply as a substantive response.
“Impossible to cancel the account once it is open”
The company replied on 2026-05-18: “Hello Christopher, Thank you for taking the time to leave a review and we are genuinely sorry if you found our retention efforts to be misplaced. We value our customers and like any business, we try…”
Our classifier read this reply as a deflection.
“I have emailed 3 times but they havent replied to any if my emails”
The company replied on 2026-09-11: “Thank you for taking the time to share your feedback. We’re sorry for the frustration caused by your experience. We’ve reviewed your contact history and can see that your initial email received an…”
Our classifier read this reply as a substantive response.
It promised: refund.
Compare Currensea with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-23.