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<p>[QUOTE=&quot;Valentinian, post: 2881911, member: 44316&quot;]I have recently discovered TransferWise and used it successfully. It is a cross-border payment system that charges only 1/2% instead of PayPal&#039;s 4%. I think the key is they do direct deposits without charging a fee to change currency. PayPal acts as if they must change currency and charge a fee for it. They make money changing Canadian dollars into US dollars when a Canadian person pays an American and make money changing US dollars into Canadian dollars when a US person pays a Canadian. But there is no need to actually change currency for each transaction. TransferWise keeps the Canadian dollars and uses them to pay some other Canadian and keeps the US dollars and uses them to pay some other American, while using the nominal exchange rate (which you don&#039;t get with PayPal) both ways.</p><p><br /></p><p>If you buy coins from some country you don&#039;t live in, consider using TransferWise.[/QUOTE]</p><p><br /></p>

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