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Money transfer service?

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I can't tell you a thing about HSBC. But I can tell you that my Capital One card has no foreign transaction fees, gives 2% back towards any travel related expenses or 1% straight cash back on all purchases and generally the rate is as good or better than banks here.


This is actually not a bad way to do it, as long as you do not mind that your bank is setting the conversion rate for you (normally they give you a good rate - as long as you charge in the foreign currency and your bank is doing the conversion back home, which default).

Of course you lose control of the exchange rate...but still not bad...not ideal for large amounts..but for cash at hand is good

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