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Depends on your definitions of cheap and large. Some banks are very good at FX in the 5,6,7 figure range. Others aren't.

Fidelity, for example, charges no fee but a 1% spread, which is a "hidden" fee.

FirstRepublic charges .01% (and thats because we are "small" by institution standards ~50k / transaction).

Most banks are badly set up for consumer size transactions, unless they are by default multi currency (Revolut and Starling come to mind).

The traditional banks may be "no-fee" - but some have charged as much as 2%.

Still nothing on the ultimate rip off - the foreign currency ATMs at airports - fee +5+% spread...




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