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Money transfer to the U.K
I'd recommend an online FX broker like XE Trade at xe.com.  There are no fees charged by XE other than the spread on the FX conversion itself (which you'll pay anywhere). They have payment clearing facilities in several countries (including UK BACS) so provided you're dealing with a major currency it should be possible to transfer money "free" (of wire charges at least).  The FX spread will be much better than you would get from a bank (since FX is their primary business). The additional risk you take on is settlement risk.  XE will not pay the sterling amount to your UK bank account until they have received the Euro payment into their account.  If XE went bankrupt before crediting your UK account, but after you've paid them your Euros - you could lose your money. XE is backed by Custom House, which is a large and established Canadian firm - so this risk is very small indeed. There are other choices out there too, UKForex is another that comes to mind - although XE's rates have been the best of those I've tried.