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Oct 29

Currency Market Insight - 29th October 2025

The Hole Keeps Getting Deeper

And it's all about interest rate decisions…

We're still a month away from the UK Budget, and news stories are already moving currency markets.

Todays story was the OBR forecasting a 0.3% drop in UK productivity.

To put that into context, that's predicted to mean a further £20 billion required by the Government in the budget!

Whilst the official OBR forecast comes out at the same time as the budget on 26th November, this has caused the Pound to start the day in poor shape.

Expect more and more of this in the next month.

There are options to mitigate future risk including actual conversion, limit orders and forward contracts.

Your dedicated account manager at Regency FX is always on hand to talk through these options with you.

In the near term there's plenty of other news for the rest of the week to shake things up.

And it's all about interest rate decisions.

Canada, the US, Japan, and Europe are all making their decisions this week.

Canada and the US are expected to shave 25 points off each of their base rates whilst Japan and the Eurozone are expected to stick at their current rates.

Any decisions outside of those expectations could have far reaching repercussions to currency markets.

So what next, what should you do?

As ever we look forward to keeping you in the loop and so please look out for our next update.

Our friendly currency experts are here to assist you and guide you through the markets, we offer a first-class service and even an online platform so you can monitor your transaction in real time.

Our business ethos is based on bank beating rates and fantastic customer service, click the link below for a no obligation quotation and see the savings for yourself.

Don’t wait. Contact us now.

Or to find out our latest rates, click below.

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Get ahead of the game and read our Guide to Foreign Currency Exchange.

Download the Guide Here - with no obligation of course.

Kind regards, 
David Evans 
Co-Founder of Cle France.

  1. Great exchange rates
  2. Quick and easy transfers
  3. No transfer fees
  4. Expert help and guidance
  5. Authorised by the FCA

Current rates: 

Wednesday 29th October 2025 at 10:00

£1.00 GBP = 1.1355 EUR

£1.00 GBP = 1.3220 USD

£1.00 GBP = 2.0030 AUD

£1.00 GBP = 2.860 NZD

£1.00 GBP = 1.8435 CAD

£1.00 GBP = 1.0525 CHF

  • Want to Learn More?

  • We have created a selection of Free PDF Guides for you to download covering many aspects of buying property abroad, visit our PDF Guides Page today or download our "Buying A Property in France" Guide PDF document.
  •  
    • At Clé France / Regency FX, many of our customers have a need for currency exchange.
    • We are pleased to offer our customers favourable exchange rates on international currency transfers.
    • As a Clé France website visitor, you qualify for preferential exchange rates when you transact through Regency FX.

Cle France Currency Guide link

How to Save Money on your foreign currency transfers

  • Regency FX can save you money by offering more competitive rates of exchange than your bank.
  • Clients can typically save you 3-4% of the total transaction value, which can result in significant cost savings.
  • All client funds are held in segregated accounts with top-tier banks keeping your money safe and secure.
  • Cle France has partnered with Regency FX, a trusted and fully safeguarded currency exchange provider, to bring you even better service and exclusive benefits when transferring money internationally.

For everything you need to know about French property visit www.clefrance.co.uk

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Oct 29

Celebrating Halloween in France

Ghosts’n’Goblins: The Origins of Halloween

Soon, children in many countries will be donning their déguisements (costumes) and at crépuscule (dusk) will be headed out the door to make the rounds of their neighbourhood to celebrate Halloween.

Mais d’où vient cette tradition (But where does this tradition come from)? What exactly is Halloween? And does France even celebrate it?

Halloween in France

 Image by Pedro Ferreira on Flickr

Halloween, also called Hallows’ Eve, has roots in l’histoire ancienne (ancient history). It can trace its lineage back to the Celtic calendar festival of Samhain (literally “end of summer” in Celtic) in Ireland and Britain.

November 1 was set apart as the day to commemorate la fin de l’été (the end of summer) and to celebrate les morts (the dead). The emphasis on the supernatural during Samhain gave the festival an aura of peur (fear) during which people made sacrifices to the Celtic gods who played tricks on them. Fires were lit to ward off spirits and disguises were often worn pour se cacher des fantômes (to hide from ghosts).

The Roman festivals of Feralia merged with the rituals of Samhain when the Romans conquered the Celts in the 1st century A.D., thus adding to the mystique and folklore of Halloween.

Six hundred years later, La Toussaint (literally “All Saints’” Day) was promulgated by Pope Boniface IV and was to be celebrated on May 13. Families would gather to pay respects to loved ones they had lost and to honor the saints. Durant le Moyen-Âge (During the Middle Ages) the Catholic Church was the most powerful institution and in the 8th century, Pope Gregory III changed the date of La Toussaint to November 1, possibly to overshadow the pagan holidays. October 31st of every year became a “hallowed evening” and thus the term “Halloween” came into being. Today, November 1st continues to remain un jour férié (public holiday) in France where schools, restaurants, post offices, banks and other businesses are all closed. A similar tradition to La Toussaint takes place au Mexique (in Mexico) between October 31st and November 2nd called Día de Muertos (Day of the Dead) when those belonging to the Catholic faith visit les tombeaux (the graves) of their relatives to pay their respects.

Britain and Ireland continued celebrating Halloween as a secular holiday beyond the Middle Ages. British and Irish immigrants brought Halloween to the United States beginning in the mid-19th century and since then Halloween, much like Noël et Pâques (Christmas and Easter), has slowly morphed into a commercial “holiday” filled with costumes, trick-or-treating and copious amounts of bonbons (candy).

In France, Halloween has garnered little attention and is mostly a pretext for people to dress up and attend costume parties. Absent are the typical American costumes (superheroes) in favor of more macabre disguises (ghosts, zombies, etc.) typically associated with Halloween. Halloween remains an obscure holiday in France but you might find Jack-o’-lanterns and other decorations behind the windows of businesses and homes.

In honour of the holiday, a short 'scary' vocabulary list:

le déguisement, le costume – costume

se déguiser – to disguise oneself, dress up in a costume

une citrouille – pumpkin

la bougie – candle

les bonbons – candy

la peur – fear

avoir peur – to be scared

faire peur à quelqu’un – to scare someone

le sang – blood

les os – bones

le diable – the devil

le fantôme – ghost

l’épouvantail (m) – scarecrow

le sorcier/la sorcière – the sorcerer/the witch

l’araignée (f) – spider

la chauve-souris – bat

Will Halloween ever become a popular tradition in France?

It is doubtful. But the next time someone asks you about Halloween, you can impress them with your knowledge of its origins. If anything, it makes for good conversation.

Happy Halloween!

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Blog submitted by: David at The French Property Network - Cle France.

This blog was originally posted on The French Language Blog pages.

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Oct 22

Currency Market Insight - 22nd October 2025

Are we on the Brink of Potential Turmoil?

Today saw the UK inflation number released.…

Analysts were expecting annualised growth of an eye watering 4%. Double the Bank of England target.

A glimmer of good news for the chancellor is that the inflation rate stayed at the same level of 3.8%, a little relief as we draw closer to the UK budget in November.

For a lot of people, the main takeaway from today's slightly lower-than-expected inflation rate of 3.8% is a sense of relief that their weekly shop isn't getting more expensive.

Following this on Friday is the US inflation number. Expect 3.1% there.

Importantly that could influence the FED interest rate decision next week with knock on effects to other global economies.

Throw into the mix the UK's retail sales numbers on Friday, and it could be an interesting end to the week for the Pound.

The end to the week also sees global services and manufacturing data released.

Greater than 50 (the median reading) are expected indicating potential growth.

So what next, what should you do?

Speak with your Regency FX account manager to review your risk exposure and explore strategies to protect yourself - we are here to help you stay ahead of the volatility.

Don’t wait. Contact us now.

Let us help you prepare — BEFORE the markets react.

Or to find out our latest rates, click below.

Regency FX Quote Button

Get ahead of the game and read our Guide to Foreign Currency Exchange.

Download the Guide Here - with no obligation of course.

Kind regards, 
David Evans 
Co-Founder of Cle France.

  1. Great exchange rates
  2. Quick and easy transfers
  3. No transfer fees
  4. Expert help and guidance
  5. Authorised by the FCA

Current rates: 

Wednesday 22nd October 2025 at 12:30

£1.00 GBP = 1.1491 EUR

£1.00 GBP = 1.3316 USD

£1.00 GBP = 2.0527 AUD

£1.00 GBP = 2.3199 NZD

£1.00 GBP = 1.8675 CAD

£1.00 GBP = 1.0607 CHF

  • Want to Learn More?

  • We have created a selection of Free PDF Guides for you to download covering many aspects of buying property abroad, visit our PDF Guides Page today or download our "Buying A Property in France" Guide PDF document.
  •  
    • At Clé France / Regency FX, many of our customers have a need for currency exchange.
    • We are pleased to offer our customers favourable exchange rates on international currency transfers.
    • As a Clé France website visitor, you qualify for preferential exchange rates when you transact through Regency FX.

Cle France Currency Guide link

How to Save Money on your foreign currency transfers

  • Regency FX can save you money by offering more competitive rates of exchange than your bank.
  • Clients can typically save you 3-4% of the total transaction value, which can result in significant cost savings.
  • All client funds are held in segregated accounts with top-tier banks keeping your money safe and secure.
  • Cle France has partnered with Regency FX, a trusted and fully safeguarded currency exchange provider, to bring you even better service and exclusive benefits when transferring money internationally.

For everything you need to know about French property visit www.clefrance.co.uk

Change your subscription

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Jul 28

Currency Market Update - 28.07.2025

Major Tariff Changes Incoming – Are You Protected?

Donald Trump's crucial trade deadline is fast approaching…

As of August 1st, sweeping new tariffs are set to take effect under President Trump’s latest trade directive:

50% tariffs on imports from Brazil

30% tariffs on goods from the European Union

A baseline 10% tariff on all other countries

Unlike the previous pause granted in April, no further extensions are expected. President Trump has stated the July 9 grace period was final, following a 90-day delay that came after major financial market volatility and recession warnings.

These tariffs could trigger significant currency and market movements across multiple sectors.

So what next, what should you do?

Speak with your Regency FX account manager to review your risk exposure and explore strategies to protect yourself - we’re here to help you stay ahead of the volatility.

Don’t wait. Contact us now.

Let us help you prepare — BEFORE the markets react.

Or to find out our latest rates, click below.

Get a Quick Quote

Get ahead of the game and read our Guide to Foreign Currency Exchange.

Download the Guide Here - with no obligation of course.

Kind regards, 
David Evans 
Co-Founder of Cle France.

  1. Great exchange rates
  2. Quick and easy transfers
  3. No transfer fees
  4. Expert help and guidance
  5. Authorised by the FCA

Current rates: 

Monday 28th July 2025 at 11:30

£1.00 GBP = 1.1505 EUR

£1.00 GBP = 1.3420 USD

£1.00 GBP = 2.0555 AUD

£1.00 GBP = 2.2445 NZD

£1.00 GBP = 1.8425 CAD

£1.00 GBP = 1.0750 CHF

  • Want to Learn More?

  • We have created a selection of Free PDF Guides for you to download covering many aspects of buying property abroad, visit our PDF Guides Page today or download our "Buying A Property in France" Guide PDF document.
  •  
    • At Clé France / Regency FX, many of our customers have a need for currency exchange.
    • We are pleased to offer our customers favourable exchange rates on international currency transfers.
    • As a Clé France website visitor, you qualify for preferential exchange rates when you transact through Regency FX.

Cle France Currency Guide link

How to Save Money on your foreign currency transfers

  • Regency FX can save you money by offering more competitive rates of exchange than your bank.
  • Clients can typically save you 3-4% of the total transaction value, which can result in significant cost savings.
  • All client funds are held in segregated accounts with top-tier banks keeping your money safe and secure.
  • Special Offer – Win a £250 Amazon Voucher!

    To celebrate our new partnership, all clients who open a Regency FX account during July will be entered into a prize draw to win a £250 Amazon gift voucher!

    Amazon Voucher

  • Cle France has partnered with Regency FX, a trusted and fully safeguarded currency exchange provider, to bring you even better service and exclusive benefits when transferring money internationally.

For everything you need to know about French property visit www.clefrance.co.uk

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Jul 14

Happy Bastille Day

We at Cle France are still working ergh! but... Happy Bastille Day to everyone!

Happy Bastille day from Cle France

What do people do on Bastille day?

Many people attend large-scale public celebrations. These often include:

Military and civilian parades.

Musical performances.

Communal meals.

Dances.

Balls.

Spectacular fireworks displays.

There is a large military parade in Paris in the morning of July 14. Service men and women from various units, including cadets from military schools, the French Navy and the French Foreign Legion, participate in the parade. The parade ends with the Paris Fire Brigade. Military aircraft fly over the parade route during the parade. The French president opens the parade and reviews the troops and thousands of people line the route. Other people spend the day quietly and eat a celebratory meal or picnic with family and close friends.

Some Helpful french phrases.

Cette semaine on fête le 14 juillet ou la fête nationale or Bastille Day as it’s known in English speaking countries. Le 14 juillet is something like la version française (the French version) of the fourth of July.

Pendant le 14 juillet there are a few big celebrations: le défilé militaire (the military parade) during the day and then at night les spectacle de feux d’artifice (the fireworks shows). However, cette semaine (this week) I learned something about les feux d’artifice that I didn’t know before.

Au 13 juillet, while at home I suddenly heard the loud bangs des feux d’artifice going off in the distance. I thought I’d missed le spectacle!

It turns out that les spectacles de feux d’artifice are spread out over a few days. Smaller towns have their spectacles earlier so that everyone is sure to come to the bigger cities during la fête nationale.

One other way to fêter (celebrate) is, bien sûr, to have a good time avec tes amis (with your friends). Just be careful, if you have too much fun you might wake up the next day with la gueule de bois (a hangover)!

Voici un petit vocabulaire de feux d’artifice :

Black snakePharaoh’s serpent le serpent du pharaon

Bottle - rocket la fusée

Firecrackerle pétard

Fireworkle feu d’artifice

Fireworks showle spectacle de feux d’artifice

Fountainla fontaine

Roman candlela chandelle romaine

Sparkler - le cierge magique

Public life

Bastille Day is a public holiday in France so post offices, banks, and many businesses are closed. Restaurants and cafes outside of tourist areas may also be closed. However, bakeries and some stores in Paris, as well as at airports and railway stations and along major highways, are open.

Public transport service schedules vary depending on where one lives and intends to travel. Roads in the centres of villages, towns and cities (particularly in Paris) may be closed for parades and other large public events.

Background

The Bastille is a medieval fortress and prison in Paris. Many people in France associated it with the harsh rule of the Bourbon monarchy in the late 1700s. On July 14, 1789, troops stormed the Bastille. This was a pivotal event at the beginning of the French Revolution. Fête de la Fédération was held on July 14, 1790. This was a way to celebrate the establishment of a constitutional monarchy in France.

Official celebrations were held in Paris on June 30, 1878, to honour the Republic of France. On July 14, 1879, more official celebrations were held. These included a military review in Longchamp near Paris and celebrations all over the country. A politician named Benjamin Raspail proposed that July 14 should become a holiday in France in 1880. The law was enacted on July 6, 1880. Bastille Day was a public holiday for the first time on July 14, 1880.

The military parade in Paris has been held every year since 1880, except during World War II. The Free French Forces paraded on this date in London, England from 1940 until 1944. Jean Michel Jarre held a concert in Paris that attracted one million people, then the largest recorded crowd at an outdoor concert, in 1979. Special celebrations were held for the 200th anniversary of the French revolution in 1989. The French football team became world champions on July 12, 1998. This sparked celebrations throughout France on Bastille Day.

Bastille Day celebrations are held in French communities and the Institut de France around the world. Such events in the United States are held in Milwaukee, Minneapolis, New York City, Philadelphia, San Francisco and Seattle. There are festivals of French culture in Franschhoek, South Africa, and Hungary.

Symbols

The Eiffel Tower in Paris and the French national flag, or tricolour, are important symbols of Bastille Day. The French national flag is one-and-a-half times as wide as it is tall. It consists of three vertical bands of equal width coloured blue, white and red. The same colours are displayed in bunting and banners of many shapes on Bastille Day. People may also wear clothing or face paint in these colours.

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Blog submitted by: Alex at The French Property Network - Cle France.

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