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I want to transfer USD from a Philippine bank account to a UK bank account. If the Philippine bank makes the exchange there is an exchange hit of about 4% compared to XE mid rate - they convert USD to Peso then Peso to GBP. If I had the bank send the USD to a transfer agency who then sent GBP to the UK bank I could save three quarters of the exchange hit. I have looked at XE, Zoom, CurrencyFair, Transferwise, Moneycorp, UKForex, World First, but none of them accept a Philippine residential address. The address needs to be in the same country as the USD bank account. Does anyone k