Just thought I would give a tip for something thats been amazingly useful for me recently.
It’s basically a pre-paid debit card, where it’s free to exchange into Euro GBP and Dollar.
There are no costs to use it. You upload money into it and then it exchanges it at “inter-bank rates” - the same rates as the banks get I believe.
No commisions, No costs, No discrepancies in FX rates.
I reckon I must have saved around £150 this month in various fees for things.
Another good one is transferwise - if you have to send money direct to someones bank account - there are charges but very small (like £2 to send £400)
Hope it can help a few people out there and give the banks a good duff up at the same time