Fees can vary depending on how much you send. In addition, new federal consumer-protection regulations that go into effect next February will require money-transfer services to provide prepayment disclosure of exchange rates, the amount of foreign currency to be delivered, and fees, and to resolve errors. This method is much easier to use at a walk-in agent; most of the money-transfer websites we checked don't make it easy to input your request this way. Some services send funds via a prepaid debit card that your recipient can use for cash withdrawals and, in some cases, purchases. Determining the best value Once you have these figures, determining the best value can be confusing because you're often dealing with a combination of exchange rates and fees. Get Ratings on the go and compare while you shop. You can access it from a smart phone or computer. There might even be a fee if the card is declined at an ATM or by a retailer. The exchange rate may change daily or even several times a day to reflect changes in the international currency market. Some banks have special remittance programs for transferring smaller amounts.
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For some services, such as Western Union and MoneyGram, using a debit or credit card can speed up the time it takes to send the money, compared with using a bank.
The amount and types of fees can vary widely from one prepaid card to the next. Another way is to find out the cost for delivering a fixed amount of foreign currency—say, exactly 2, pesos. To use this method when using an online service, remember to deduct any fees before entering the amount you want to send. Determining the best value Once you have these figures, determining the best value can be confusing because you're often dealing with a combination of exchange rates and fees.
Some services let you take money from your bank account and deliver it to your recipient's bank. But if you're like most people, you'll want to send a set amount in dollars and add any fees to that.
One is a free PayPal downloadable app for the iPhone, Android, and Blackberry. because you're often dealing with a combination of exchange rates and fees. Nous voudrions effectuer une description ici mais le site que vous consultez ne nous en laisse pas la possibilité.
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Make sure you have your recipient's correct contact information.
Figuring the costs The cost to send money is determined by the fees charged by providers as well as the currency exchange rates, which can vary by company and fluctuate frequently. Similarly, for a given number of pesos, the service with the highest effective exchange rate always will cost you less.
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Beyond that, there are several new technologies. As a general rule the best-known companies, Western Union and MoneyGram, offer the most ways to send money to the most countries. The cost to send money is determined by the fees charged by providers as well as the currency exchange rates, which can vary by company and fluctuate frequently.
Make sure you get a guaranteed exchange rate rather than an "indicative" or estimated rate, though for some countries that might not be possible.
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|For example, the exchange rates Viamericas charges through its walk-in agents typically are better than those charged on its website.
But they also often have higher fees and less-favorable exchange rates than such services as Xoom and Viamericas. If you're not comfortable doing the math, the transfer service Viamericas offers an online tool that calculates the effective exchange rate for multiple services at one time, making it easy for you to compare.
The amount and types of fees can vary widely from one prepaid card to the next. Welcome to Consumer Reports. You often can arrange these transfers online or by phone by providing the account and routing numbers for both the sending and receiving banks. As with the exchange rate, estimates should be avoided when possible.
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.Currency dealer and currency exchange., Drugstore (excluding prescription drugs) .
In that case, to find the best value, you must determine the so-called effective exchange rate, which takes into account both the exchange rate and any fees. Make sure you have your recipient's correct contact information. You now have access to benefits that can help you choose right, be safe and stay informed. You hand over cash, which is converted to the currency of the destination country and picked up by the recipient, or in some countries delivered to him or her.
Values expressed here reflect terms and exchange rates in effect on Feb.
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|Jenny Martin of Yonkers, N. Welcome to Consumer Reports.
The cost to send money is determined by the fees charged by providers as well as the currency exchange rates, which can vary by company and fluctuate frequently. If a service doesn't resolve your concern, complain to the state agency that regulates it. Recipients need a free PayPal account to access the money.