A commitment to excellence guides everything we do

Currency Key, the trading name of HFCEX Pty Ltd. (ACN 638 080 896) is an independent remittance dealer. From our headquarters in Melbourne, Australia, we have helped thousands of families and businesses send money overseas. We are constantly working to expand our reach and serve more regions across the world.

The latest technology for the greatest experience

At Currency Key, we've embraced technology to streamline our services, offering all our financial solutions through our website and mobile app rather than a traditional physical store. This approach was taken with a clear goal: to simplify and enhance the customer experience, making it more convenient and accessible for everyone.

Here are our Currency Key core values:

Rewarding your trust: We understand how important sending money overseas can be and the transformative impact it can have
24/7 Access: Our services provide round-the-clock access, ensuring you can transfer money whenever you need to.
Low-Cost Transfers: We guarantee access to the most competitive exchange rates, so you get more with every transfer.
Combining Security with Speed: You will not find a faster or more secure way to transfer money.

Regulatory Compliance

As part of our commitment to fighting financial crime, we are regulated by both ASIC and AUSTRAC. These regulatory bodies hold us to the highest standards when monitoring our platforms for potential criminal activities.

One of the primary regulatory requirements is to comply with the Australian Anti-Money Laundering and Counter-Terrorist Funding legislation AML/CTF Act 2006.

To comply with this regulation, we maintain an active registration as a remittance service provider on the AUSTRAC Remittance Sector Register. We work with law enforcement and other government agencies to assist in investigations of criminal and fraud activity.

We are also required to comply with the Australian Privacy Act 1988, which regulates the collection, use, storage, and disclosure of our customers' personal information.

Money Laundering Policy

Currency Key is committed to combatting money laundering and adheres to stringent international regulations to block the flow of illicit funds and prevent terrorism financing. Our preventive measures include verifying client identities, monitoring and reporting suspicious transactions, and conducting all transactions electronically to minimise risks.

Compliance and Transaction Protocols

To ensure the integrity of our services, we do not accept cash payments or process transactions via check or credit card. All funds are transferred electronically. We also maintain detailed records of all transactions for a minimum of five years and train our staff extensively to recognise and report any suspicious activities.

Client Onboarding and Transaction Monitoring

Clients must pass identity verification before we can accept them, and we reserve the right to decline any transaction that presents unsatisfactory or potentially misleading information. It’s crucial for clients to respond promptly to our information requests, as non-compliance or the provision of false information may be considered suspicious.

Legal Obligations and Consequences

Misuse of our services, such as structuring transactions to evade detection or providing false documentation, is a serious offence and will be reported to authorities. Currency Key is legally obligated to report any suspected misuse or criminal activities, ensuring our platform remains secure and compliant.