Your bank plans to charge you three to five percent (sometimes more), plus fees, for currency conversion and foreign exchange services. In fact, net costs as high as $2,350 to send £30,000 to the US are common! That's about a four percent spread, which is monopoly pricing, and hardly a fair price for services rendered.

Would you prefer to get full face value, at zero spread, pay a fee of only one percent and pocket the difference yourself?

Integrity Financial will do your currency conversion, almost any currency to almost any other currency, at full face value, by direct bank-to-bank wire transfer, for only one percent, and even less on large transactions. That's between a quarter and a third of what the bank charges, and we often deliver your funds faster than the banks!

We do this by using a U.S. based and U.S. regulated non-bank commercial consolidator. Your transfer and conversion "rides along" with many larger commercial transactions, so you get the best possible rates - the same rates Barclays gives Chase Manhattan on transfers of $10,000,000 and up. The consolidator is bonded for $10,000,000, so your money is totally safe.

Note that your money never goes into or through any bank account owned or controlled by us! There is a SWIFT audit trail every step of the way. Click here to read detailed Terms of Service and Privacy Statement.

We can do almost any currency to almost any other currency, and at the same low rate of only one percent. (The minimum fee on amounts over $10,000 is £200 or $300. We offer a flat fee of $150 on amounts under $10,000.) If you are transferring and converting anything over about £7,000 or $12,000, or equivalent amounts in any other currencies, you need us!

Find the rates you need here. These are different websites, so please remember to click "back" on your browser to return here!

Click here for interbank exchange rates for USD, GBP, CDN, AUD, SFR, FFR, DM, YEN and the EURO.

Click here for interbank exchange rates for above plus other major currencies in Europe, Africa and the Middle East, Asia and Pacifica.

Click here for interbank exchange rates for all of the above and minor and "exotic" currencies.
This is a free service, delivered daily by E-mail.

Click here for the ISO list of currency abbreviations.
If it's used as money, it's here!

A few words about these rates, and about "rates" in general.

These "rates" are reported rates, and are historical data. Some of them were the rate at last trade, some of them were the rate at close of business yesterday, many of them are from different exchanges, and none of them list the amount traded, which also has an effect on net yields (more money equals better rate). They are like baseball or soccer scores, while they do tell you what DID happen, they cannot accurately predict what WILL happen.

You can get an indication of your net yield by looking at these rates, but not much more. The actual rate is determined at the time of trade, and will almost always be somewhat more or somewhat less than the quoted media rates.

Banks offer hard "rates" on currency conversion, but they do this by adding in a spread between what they expect to get and what they will pay (or charge) you. Sometimes the spread is a little less and they make a little less, sometimes it is a little more, so they make a little more. The spread is always wide enough so that no matter what the currency pair does, the bank always makes money. This spread is often three to five percent, and on minor or exotic currencies, is often more.

Small, local banks (small enough to know you as a person and not just a number) usually do not have access to the currency exchanges, so they have larger banks do it for them, and the spread gets even wider. If you are starting with a small bank and the funds are going to a small bank, by the time all the banks along the way have taken a taste and added their wire fees, the conversion will be very costly indeed. Further, small local banks don't do this very much, so if there is any kind of problem (as in "Where's my money?") it may take a while to get it resolved.

Integrity Financial avoids all these charges and problems by dealing direct. The entire transaction is streamlined by eliminating the middlemen who are not really necessary for your transaction, and who just raise your costs and cause delays. As a result, we deliver your funds at a lower cost than banks, and we do it faster.

Integrity Financial Systems, LLC.
740 S. Ridgewood Ave.
Ormond Beach, FL 32174 USA

Toll Free (USA only): 1 877 868 0200
From Overseas: + 1 386 672 0200
both answered 9-12 AM, 1-5 PM EST (GMT minus 5 hours)

FAX (from anywhere): + 1 386 673 6560
(24 hours, 7 days)

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