I will beat that (but before I do so I would like to say they are ever so kind at my CA, its the bank thats bad) We also have a house Italy. I wanted to send some money to my father in law there so he could pay for some furniture I had ordered (it was about E3,500 in total) so I went into my branch and requested the transfer. Noone had a clue what to do, eventually someone found a form and together they filled it in. I then had to explain to the manager precisely what it was for. It was eventually executed and I paid a total of E75 made up of a whole range of different fees. So what do I do now when I have to go to Italy and pay some stuff - why I go to my Credit Agricole, draw out a big bundle of cash, drive down to Italy and pay the bundle of cash over the counter to my account at Casa Di Risparmio D'Asti, that believe it or not is the cheapest easiest solution. Can someone again remind me of the concept of the Euro and also clarify the definition 'integration'