I always use 1st Contact as my first choice of money transfer because it is the easiest and most efficient transfer service that I have used. Whilst you can occasionally find a slightly better rate of exchange or a slightly lower admin cost I would rather opt for reliability, ease and confidence that comes with 1st Contact. With most of my regular transactions pre-loaded a new funds transfer takes just a couple of minutes to load, is authorised immediately, processed and cleared within the week. I really don't want or expect much more than this when transferring money overseas