I had to pay an international supplier in USD. I researched various means of payment. Combining both exchange rates and fees, I found that WISE was the cheapest and quickest to transfer funds. They use the rate you see on XE or Google and then charge a small fixed percentage fee. Use the referral link to get your first transfer up to £500 with no fee. You can still use the link if you transfer more than £500. The amount above £500 will not be exempt. The referral applies to both personal and business transfers. Register and make a minimum £200 transfer in one go. You shall only make transfers from a credit card, debit card or bank account in your name. Same-currency transfers don’t count towards the referral program.