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Essentially there are four reasons why you should use a currency specialist like HiFX rather than your bank:

• You’ll save money by getting a better exchange rate. A recent survey undertaken by The Sunday Times showed that the main street banks were charging up to 4% more to exchange your money. 4% doesn't sound a lot but this means if you were changing $100,000 into Euros for example you'd pay around $4,000 more than if you'd used a company like HiFX.
• HiFX will transfer your money abroad completely free of charge. If you use your bank you'll be subject to a number of additional bank charges which include commission fees (up to another 2% of the amount you’re transferring) and transfer charges (usually $25 for each and every transfer). Unlike your bank, HiFX will allow you to lock into favorable exchange rates for up to 2 years protecting your money from adverse currency movements.  We always remind clients that you'd never agree to buy a property in the US without knowing the final cost. If you agree to buy an overseas property without fixing the exchange rate at the start that's exactly the gamble you’re taking. Bear in mind that the average development property takes 2 years to be built and you can see the risks involved by not fixing the rates at the outset.
• Service - buying a property abroad is a significant investment HiFX will provide you with all the help and expert advice you need in simple jargon free language. We are used by over 25,000 people a year and not just by the rich and famous. Only 5% or our clients are wealthy - most are builders, doctors, middle managers, plumbers, etc.

Simple advice - don't let the banks cash in! Shop around and compare the rates given by your bank with an established currency broker.