Hi Redcap Sounds like HIFX are similar to Caxtons..........The type of company that are only interested in taking care of your large trades where they can make large profits but when it comes to rewarding you for your custom and helping out with your small trades, they dont want to know. You can bet your life on it that the only reason they gave you such a ridiculously low rate is because they dont want that custom, it's a cowards way of getting out of it. I have just got off the phone to Worldwide Currencies, I asked for David Foster (Thanks Causette) you were right he was very helpful and straight talking, he said that they are happy to do small amounts for clients (over £1000) and although they obviously cant be as sharp on small amounts, they would not take more than 3 cents off the current rate ie 1.45 they would give 1.42 which is a darn site better than HIFX's 1.36 (that's tourist rates) I'm gonna give them a try and if anyone else does too, let us know how the experience went. I hate being ripped off, even if it is on a small amount. If i've done my calculations correctly thats: £1,000 @ 1.36 = €1,360 £1,000 @ 1.42 = €1,420 Thats a monthly saving of €60 or a yearly saving of €720 !!!!!!!!!! Worth Saving I Think !!!