Rates

Bank of England Spot Rates

Official daily 4pm spot exchange rates published by the Bank of England. An HMRC-accepted alternative to monthly averages for CGT calculations.

Using these rates for a CGT calculation?

TealFX compares HMRC and BoE rates automatically — and identifies the most favourable compliant rate.

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Latest — 22 May 2026

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What are Bank of England spot rates?

The Bank of England publishes official daily spot exchange rates at 4pm London time on each working day. Rates represent the mid-market rate between buyers and sellers of sterling. They are an HMRC-accepted source for UK tax calculations, including capital gains tax.

BoE spot vs HMRC monthly average

Both the Bank of England daily spot rate and the HMRC monthly average rate are accepted by HMRC for CGT calculations. Using the actual transaction-date spot rate can be more precise — and sometimes more favourable — than the monthly average. We show both so you can choose. Try the calculator →