Sunday Independent: Using specialist FX services for international money transfers is a no-brainer

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“Exchange rates margins charged by banks to individuals may, depending on the bank and the currency bought or sold, be as high as 4pc,” says Barry Dowling, co-founder of TransferMate Global Payments, an online broker, which deals mainly with businesses but also caters for a small proportion of individuals.

http://www.independent.ie/business/personal-finance/choice/currying-favour-for-currency-exchanges-31420978.html