You may have regular payments that you make abroad i.e. staff salaries, these are not necessarily large amounts and the bank will not give you a favourable exchange rate. They will also charge you anything up to £40 to transfer the currency. RationalFX have many client that send regular payments and therefore buy in large quantities of the bank, this then enables us to offer you a competitive commercial exchange rate. The only cost is a £5.00 flat transaction charge which is minimal in comparison to your high street bank.