I knew this would happen - limited to no access to phone and internet and we have to send money quickly. So - 150,000 to transfer into euros and send to French account (already established), how would you do it in the most efficient/time saving manner? Good rate would be preferrable, and we do not want to take risks as this is all our cash! I have considered Moneybookers, Currencies Direct and HIFX, I don't think Moneybookers will be any good due to a low limit. Your advise please! Also any views on sending jointly owned funds temporarily to an account held in name of one partner only (other than the obvious one that lucky account holder will then do a runner - I'll put him on a short lead!)? We will then set up a joint account and transfer money, or (if they'll do it) change the single account to joint account??? Any adverse implications re tax etc????