I was using HSBC to transfer money to China for our products we get manufactured there. It was a painful process. It was unbelievably slow payments sometimes taking more than a week to arrive! It was ridiculously expensive (monthly charge and a transfer fee!) and always a very poor rate! All this changed when I started using NU currencies. It really is so easy, they set up all my regular Chinese customers and it takes a minute to buy and transfer and supplier receives payment literally in hours! The only thing I'm annoyed at is why I didn't find them earlier. I never write reviews generally, but on this occasion have to give credit where credit is due.