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How to Send Money Abroad (& Avoid High Fees)

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How to Send Money Abroad (& Avoid High Fees)

Andrew GibsonAuthor,  Andrew Gibson

Last Updated on June 4th, 2024

Sending money abroad is not complicated once you understand the process.

I’ll explain how a transfer works, how long it takes, the information you will need, and the cheapest ways available.

How to transfer money abroad (in 4 simple steps)

Step 1 – Register as a client

All new clients need a basic ID check.

This is a legal requirement due to financial regulations.

It only needs to be done once.

For most people, the ID check can be quickly done using your name, address and passport number.

Step 2 – Lock-in an exchange rate

After you’ve registered, you can get your transfer underway.

Whenever you’re ready, your bank or money transfer company will quote you a current exchange rate.

Nothing will happen without your consent.

If you are happy to go ahead, your rate will be locked-in, and you will be emailed a confirmation with all the details of your transfer.

Step 3 – Pay for your transfer

Before any money is converted and transferred abroad, you need to pay for your transfer.

Your bank or money transfer company will provide you with the bank account details of where to send your money.

Banks require your money upfront. Money transfer companies normally give you 1-2 working days to send your money in.

Step 4 – Your money is converted and sent out 

Once your money is received, your bank or money transfer company to convert your funds into the currency needed and transfer it to the bank account you’ve requested.

In practice, the whole process is usually quick and easy.

 

How long does it take to send money abroad?

The time taken depends on the destination country.

Within Europe, transfers are faster and typically take 1-2 working days. Outside the European Union, it can take 3-5 working days.

The reason it varies is largely due to the efficiency of the receiving bank.

Information you will need to send money abroad:

You will need to have the details of the recipient bank account (where to send the money):

  • Account name 
  • Bank name 
  • Swift/BIC code
  • Account number

You can get all this information by looking at a bank statement, logging into your account online or asking in a branch.

A money transfer specialist can assist you and help double-check the details before you transfer your money abroad.

Working time symbolizes the desktop. Office desk with papers from insurance manager and banker. Office worker at the table. The concept of lack of time.

Cheapest ways to send money abroad 

To send money abroad, you can use either a bank or a money transfer company. 

When making cost comparisons you need to consider both fees and the exchange rate.

A money transfer company is normally a cheaper way to send money abroad compared to a bank as the fees are lower and the exchange rates are more competitive.

The are many money transfer companies to choose from.

Some charge fees, while some don’t.

It depends on the amount you transfer.

The exchange rate also depends on how much you’re sending.

It makes direct comparisons difficult.

For smaller amounts, I would suggest using online apps such as PayPal, Transferwise, CurrencyFair and Revolut. If you are sending a larger amount, it makes better sense to use a money transfer service.

A money transfer service has some additional features compared to an online app.

Some services can monitor exchange rates for you and will help you set-up and check the payment details.

What’s more, they don’t have any daily transfer limits like the apps and can waive all the fees.

Compared: Banks vs Money Transfer Companies

Pros Cons Best for
Banks Convenient and familiar High fees & not the best exchange rates Small one-off payments
Money Transfer Company No fees, competitive exchange rates, personal service Need to register before you can use Large or regular amounts

How much does it cost to send money abroad?

The big banks used to have the foreign exchange market to themselves.

Now there are alternatives available – often much cheaper.

Our research found that the ‘big four’ UK banks typically charge 3% to 5% when you transfer money abroad.

The exact cost varies depending on the amount you are sending.

As money transfer companies have far lower overheads, they can reduce the charges.

The overall charges can be 60% to 70% less using a money transfer company.

Watch out for annoying transfer fees

Most of the big banks charge a flat fee every time you transfer money abroad.

The transfer fee varies from bank to bank but is in the region of £10-£25 per transfer.

These fees are in addition to the money made from the exchange rate.

Some money transfer companies also charge transfer fees.

Others, such as ourselves, are happy to waive them altogether.

Daily payment limits 

If you plan to send a large amount of money abroad, be aware that banks often have daily limits.

Here are the daily payment limits of the UK’s Big Four:

  • Natwest: £25,000
  • HSBC: £50,000
  • Barclays: £50,000
  • Lloyds: £30,000


The daily limits can be a nuisance.

If you use your bank, you may need to make several transfers, which would end up costing you more in transfer fees (not to mention the extra time and hassle).

Key Currency - Money Transfer

Are all money transfer companies the same?

The simple answer is no.

The differences may not be apparent by looking at the logo or website, but the cost and service provided can vary considerably.

Many money transfer companies are really just online platforms or apps.

The more popular names are PayPal, Transferwise, CurrencyFair and Revolut.

Once you get given a login, the customer has to enter all the details and information themselves and decide on when to transfer their money.

They suit some customers, but not others.

I’ve found a lot of people would rather get some human assistance as long as the cost is competitive.

Here are three benefits of our service:

1. Someone will check the details of your payment are correct

2. You can get guidance on timing and exchange rates

3. You’re kept informed at every stage

 

Is it safe to use a money transfer company?

A quick tip is to make sure a money transfer company is Authorised by the Financial Conduct Authority (FCA).

The reason this matters is that Authorised companies must adhere to strict safety rules covering client funds.

An FCA Authorised money transfer company is required to keep all customer money in a safeguarded bank account.

To see whether a firm is Authorised, you can search for its name on the FCA register.

Quick Summary: Transfer Money Abroad

  • You can use a bank or money transfer company.
  • It takes 1-2 working days to send money within Europe, and 3-5 workings days to other countries.
  • There are two costs to look out for: transfer fees and exchange rates.
  • Banks can be a lot more expensive than money transfer companies.
  • Some money transfer companies offer personal assistance; others are online-only platforms.

Key Currency is a leading money transfer specialist.

We serve customers throughout the UK, EU, the Middle East and Australasia and can transfer money in 39 different currencies.

Our exchange rates are highly competitive, and we don’t charge any fees.

We don’t push you onto a trading platform and make you do everything yourself.

All our customers have an account manager who will help you from start to finish, as well as help you with the timing of your transfer.

We appreciate trust and transparency go hand-in-hand.

The names, faces and backgrounds of all our people on our website.

You can read more about us here.

Key Currency is Authorised by the FCA (No.753989). All transfers are conducted through safeguarded client accounts.

We have gained a 5-star “Excellent” customer rating on Trustpilot – which is the highest possible rating.

If you need to transfer money abroad and would like a free quote, click on the button below.

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Filed Under: Transfer Money

How to Transfer Dollars to Pounds (& avoid high charges)

Andrew GibsonAuthor,  Andrew Gibson

Last Updated on August 11th, 2024

Transferring Dollars to Pounds is not as complicated as you might think. I’ll explain how it works step-by-step, what options you have & how to reduce your costs.

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How to transfer Dollars into Pounds (in 4 simple steps)

If you need to convert Dollars into Pound Sterling and send it to a UK bank account, it comes down to a few basic steps.

Step 1 – Customer ID check

Before you can send money from the US to the UK, you need to be identified.

All banks and money transfer companies have a legal obligation to verify the sender of the money due to global anti-money laundering regulations.

The check only applies to new customers. Once you’ve been initially checked, you can then skip this step going forward.

It usually doesn’t take long; it can be done within one working day. If you have an address in the UK, it is quicker and easier to verify who you are as US laws are more onerous.

Step 2 – Secure a USD to GBP exchange rate

The USD to GBP exchange rate is actively traded. It moves every few seconds.

A bank or money transfer company will quote you their current rate.

It’s up to you whether you go ahead – you are not obliged to and can wait for another time.

If you are happy to go ahead with the Dollar to Pound rate quoted, the bank or money transfer company will lock in your rate at that point.

You will then receive an email confirming the details of your transaction. It will show the amount of Dollars you have sold (you pay) and the amount of Pounds you have bought (you receive).

Step 3 – Send in your US Dollars 

Banks require your Dollars upfront before they will agree on an exchange rate.

However, a money transfer company will allow you to secure a rate before you send the money in. You normally are given 1-2 working days to send the money over.

It can be an advantage doing it this way as you can be more responsive to market opportunities. If you had to pre-pay for your transfer, you could miss out on a great rate waiting around for your money to clear.

On the confirmation email of your transfer, you will be given the bank details of where to send your Dollars.

This is done via a regular bank transfer (US Dollar account to US Dollar account) – so you won’t be charged any international fees from your bank.

Step 4 – Your Dollars are converted into Pounds

Once your money has arrived, your bank or money transfer company will convert your Dollars into Pounds at the rate agreed and send the Pounds to the UK bank account you have requested.

Steps to transfer money from Spain to the UK

How long does it take to send US Dollars to the UK?

Generally speaking, it takes 2-4 working days for your Dollars to get to the UK.

The variance is down to the fact that some banks are quicker than others at clearing funds into your account.

There are also cut-off times for international transfers – so if you send your money late in the afternoon, it may count as the next working day.

As a quick tip, if you have a strict deadline, my advice would be to send your Dollars in before the currency conversion. That will make the transfer process faster quicker end-to-end.

Why banks may not be your best option

If you need to transfer Dollars to Sterling, there’s a good chance your money is currently sitting in a US bank account.

It’s why using your bank might seem like the obvious route to take.

But there are alternatives to the big banks, which you might find are considerably cheaper.

If you think about it, banks have enormous operating costs (billions a year).

Someone has to pay for that.

As money transfer companies have lower operating overheads, they can pass on the savings to their customers.

Exact cost comparisons are difficult because it depends on the amount you send and which bank you use.

One thing a lot of people don’t know is that behind the scenes, banks and money transfer companies use the same SWIFT international payment system.

It’s the standard system used by everyone.

That doesn’t mean all Dollar to Pound transfers will take the same amount of time.

From my own experience, I’ve found banks are generally slower than money transfer companies, simply because they are less efficient.

I’ll explain why.

International wire transfers are not a core product for retail banks. A typical bank branch is focused on mortgages and savings accounts.

If you use a bank for an international wire transfer, it’s likely to be done in batch processing (unless you pay a fee to speed it up). Batching processing is often done only twice a day (morning and afternoon).

A money transfer company specialises in international wire transfers. They are processing transfers in real time throughout the day as they occur.

It stands to reason that payments get there quicker if they are processed quicker.

Photo of central London in the daytime.

Costs compared: Banks vs. Money Transfer Companies

Whenever you do an international money transfer, there are two charges to look out for:

  1. Exchange rates; and
  2. International wire fees.

1. Exchange Rates

There are no official exchange rates.

A bank or money transfer company will offer you different exchange rates based on the currency you need, the amount you are looking to send.

You can still compare rates by making the same request.

Our research found that the exchange rates charged by the big four US banks were highly uncompetitive. The exchange rate margin ranged between 4% and 5.5%.

Some US banks will offer better rates if you send larger amounts. For example, Citibank talks about getting preferential rates if you transfer over $100,000.

I noted that some of the US banks boasted on their website that they update their rates daily.

What? Daily?

Are you kidding me?

Exchange rates change every 2-3 seconds in the real world.

Changing your rates once a day is a clear indication that you are way off the market, so the banks don’t need to update their rates more frequently.

When you get an exchange rate quote from a money transfer company it will reflect the fluctuating wholesale rate and include a mark-up (or ‘spread’).

2. International Wire Fees

In addition to the exchange rate, US banks also charge customers international wire fees.

They sometimes go by different names such as international transaction fees.

These tend to be a flat fee on every transfer.

Below are the wire fees charged by the largest US banks:

  • Bank of America: $45
  • Citigroup: $25
  • JP Morgan Chase: $45 (in branch), $40 online
  • Wells Fargo: $30-$45

At first glance, these fees may not seem too high.

But if you are sending money regularly or need to send a more significant amount in several tranches, these fees can add up.

And bear in mind, the banks have already made money from the exchange rate, so these fees are an extra charge.

At Key Currency, we don’t charge any transfer fees. Zero.

I know some money transfer specialists do – so it’s something you may need to check.

If you don’t want to pay transfer fees, a money transfer company is normally the best way to transfer Dollars to Pounds.

Overall, using a bank can charge as much as 5%-6% to transfer Dollars to Pounds. 

If you are looking to send a large amount, the cost difference can be substantial, depending on who you use.

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Beware of daily bank limits

One thing to note is that the big US banks tend to limit the amount of money you can send internationally per day.

Wells Fargo set their limit based on your account history – so it’s hard to comment beyond that.

Bank of America does a similar thing and set a daily limit based on your account type.

For JP Morgan Chase, it’s a $ 100,000-a-day limit.

Frustratingly, it could mean you have to make multiple transfers and pay more fees!

If you transfer a large amount of US Dollars, your bank may limit you, but a money transfer company will not.

Money transfer companies don’t have any daily limits or maximum amounts. So if you need to do a large USD money transfer, you are best off using a money transfer company.

GBP & USD exchange rate board with red down and green up arrows.

How safe is it to transfer Dollars to Pounds?

If you are transferring Dollars into Pounds, you are likely sending your money to a UK bank account.

One important check is to ensure that the company you use is Authorised by the Financial Conduct Authority (FCA) – the UK’s financial regulator.

The FCA does a similar role to the Securities and Exchange Commission (SEC) in the USA. They establish, monitor and enforce financial rules and regulations.

Authorised and regulated firms are required to keep client money in a separate, safeguarded bank account.

It means your money passes through an account used solely for client transfers, and is not mixed with company funds.

A simple bit of advice – don’t take the risk of using a company that is not Authorised by the FCA.

To find out if a money transfer company is Authorised, you can search for a company on the FCA register.

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How to get the best Dollar to Pound rate

We all want to get the best exchange rate possible.

That comes down to paying a small mark-up on the rate, but also trying to execute your transfer at the right time.

Exchange rates are moving around all day.

Even tiny moves in the rate can make a big difference in the amount of Pound Sterling you will get for your Dollars.

For example; a 0.5% move in the USD/GBP exchange rate on a $100,000 transfer is a difference of $500.

A move of that size can be a daily event.

A money transfer company can work with you to get you the best exchange rate available.

If the US Dollar strengthens against the Pound, they can alert you to those opportunities as they arise.

Securing a more favourable rate means more money in your pocket.

Not all money transfer companies will offer you expert help.

Some don’t offer any human contact at all.

That’s because these days a lot of money transfer companies are just online platforms or ‘apps’.

You pretty much have to do it all yourself.

Some of the bigger names in this space are PayPal, TransferWise, CurrencyFair, and Revolut.

They tend to be popular for ‘micropayments’, such as people sending money to relatives or online merchants with lots of small payments to make.

Why you can’t trust exchange rates online

If you are transferring Dollars to Pounds, the USD to GBP exchange rate is the critical factor.

You have probably come across a lot of websites offering free exchange rates – such as XE, Oanda, or DailyFX.

But there’s a catch to these.

The exchange rates you are seeing are not available to customers.

If you look closely, there will be a disclaimer somewhere saying this.

That’s because they are what’s called ‘interbank exchange rates’.

Interbank rates are the rates used by massive banks and institutions to exchange currencies among themselves. They are a wholesale clearing rate. Not even large corporations exchange currency at interbank rates.

The only way to get a real exchange rate is to request a real quote.

For larger USD transfers, many customers want the peace of mind of having someone they can call at any point.

You may prefer a money transfer company that offers human service and expert guidance.

Quick Summary

  1. To send money from the USA to the UK, you can use a bank or a money transfer company.
  2. It normally takes 2-4 working days.
  3. A money transfer company can offer faster transfers, competitive rates, and no fees.
  4. Some money transfer companies can also offer guidance on exchange rates.
  5. Only deal with companies Authorised by the FCA.

Key Currency is a leading, independent money transfer specialist.

As a business, we are open and transparent.

All the names, faces, and profiles of our people are available on our website. You can read more about us here.

We have gained a 5-star rating on the customer review site Trustpilot based on over 2,500 reviews.

Key Currency is an Authorised Payment Institution, regulated by the Financial Conduct Authority (Financial Services Register No. 753989). All money transfers are conducted through fully safeguarded accounts.

As part of our service, we can discuss and agree on the right time to exchange your money, and you can speak to the same person at all stages of your transfer.

We serve customers based in the UK, USA, Europe, Australia, Canada, New Zealand, and the Middle East.

If you feel our service could be of use to you, simply request a free quote below.

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Current 2023 Forecast for GBP/USD 

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Filed Under: Transfer Money

How to Transfer CAD to GBP (4 Simple Steps)

Andrew GibsonAuthor,  Andrew Gibson

Last Updated on August 26th, 2024

To transfer CAD to GBP, you can use either a bank or a money transfer specialist.

It takes around 2-4 working days for your money to arrive.

The true cost is a combination of fees and exchange rates and depends on the size of your transfer.

I’ll explain how the process works and how you can avoid high charges.

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How to Transfer CAD to GBP (4 simple steps)

Step 1: Register as a customer

All new customers need to register to comply with anti-money laundering rules.

It’s essentially an identification check.

Fortunately, it doesn’t take long.

You need the usual stuff – name, address, date of birth. You might also be asked to provide a photo or copy of your passport or driver’s licence.

This step only has to be done once.

Step 2: Get an exchange rate

When you transfer Canadian Dollars to Pounds Sterling, it is the CAD to GBP exchange rate that matters.

The CAD/GBP rate changes every few seconds. Our live Canadian Dollar to Pound converter will keep you up to date with these changes!

Your bank or money transfer company will quote you a current rate.

You then decide whether to go ahead or not.

If you are happy to proceed, the rate will be locked in for you.

Step 3: Send in your Canadian Dollars

Before any money is converted, your bank or money transfer company will need to receive your Canadian Dollars.

A point to note is that if you use a bank, they will need your Canadian Dollars in your account before they lock in a rate.

Whereas, if you use a money transfer company, you can secure a rate before you send in your money.

A money transfer service company will provide you with the bank details of their Canadian Dollar client account. This will be a safeguarded account.

Step 4: Your CAD is converted to GBP and sent out

Once your Canadian Dollars are received by your bank or money transfer company, they will convert them into British Pounds (GBP) at the exchange rate previously agreed.

Your Pounds will then be sent to the UK bank account nominated by you.

Graphic that shows the steps of transferring money with Key Currency. Register. Get an Exchange Rate. Make Payment. Money is sent.

How long will it take?

You should allow 2-4 working days for your funds to transfer from Canada to the UK and clear into your UK bank account.

The actual money conversion process (from CAD to GBP) is quick – it takes minutes.

But banks take a few days to clear funds that come from abroad.

Some companies promise the money will be there the next day, and when it isn’t, it causes customers unnecessary stress.

The true costs explained

A lot of people just search Google for fees when they transfer money abroad.

If only it were that simple.

The true cost of transferring CAD to GBP is a combination of fees and exchange rates.

If you are transferring a small amount, the fees can be nasty as they tend to be a fixed amount.

Whereas, if you are sending a large amount, the exchange rate tends to be the more important charge.

We’ll take a look at both below.

International Wire Fees

In Canada and the US, the big banks tend to use the term “wire transfers” when you move money abroad.

In the UK, the term “money transfers” is more commonly used.

It’s all the same thing.

If you use your bank to transfer money from Canada to the UK, you will be charged a fixed fee irrespective of the sum involved.

Here are the fees charged by three of the largest Canadian banks:

  • Royal Bank of Canada: $13.50
  • Scotiabank: $1.99
  • TD Bank: $40

Please note – you may incur other fees too.

For example a ‘correspondent bank fee’.

This is where another bank also collects a fee for helping your bank facilitate the transfer.

Also, if you amend your transfer or make any error, expect another fee for your troubles.

The only real way to avoid bank fees is to bypass the banks.

Some money transfer companies, such as ourselves, don’t charge any fees.

Exchange rates (and why they matter)

Exchange rates are by no means standardised.

A bank or money transfer company set its own exchange rates.

Much like a shop, they will add a markup or ‘margin’ to their wholesale cost.

This can be difficult to work out as exchange rates are always on the move and different companies have different providers.

But you can figure it out if you have access to wholesale rates and a calculator to hand.

Our research found that the exchange rate margin added by the big Canadian banks ranged between 2.6% and 3.0%.

In my opinion, that’s on the high side.

Let’s look at an example:

Say you want to convert C$120,000 into Pounds Sterling and send it to your UK bank account.

Your bank charges you 2.8% to convert your money.

That works out at C$3,360 in exchange rate costs.

It’s why getting a great exchange rate should be your priority.

Money transfer companies are more competitive than banks – otherwise, they wouldn’t exist.

The thing to remember is you are not beholden to your bank. It’s your money.

Key Currency - Money Transfer

Choosing a money transfer company

Choosing a money transfer company can be confusing.

On the surface, they might all sound the same.

But there are some key differences.

These days, a lot of the names you see around are just ‘apps’.

They might sound funky and friendly, but you are given a do-it-yourself platform.

In this space, the bigger names are PayPal, Transferwise, Revolut, and WorldRemit.

You need to register yourself, enter all the payment and recipient information, and choose when to exchange your money. The only support is via webchat or email.

They suit some customers, but not others.

The money transfer apps are popular with micropayments (people sending regular amounts to family and friends), and online sellers who need to process a lot of small payments.

People sending large amounts often find money transfer apps have shortcomings.

I know I wouldn’t.

  • What if you get the payment details wrong?
  • Or if your money goes missing?
  • How will you know if it’s the right time to exchange your money?

In my experience, people that are sending larger sums prefer the reassurance and expertise that comes from human help.

If you need to send a large chunk of your savings internationally, I doubt you are going to risk using an app you’ve downloaded on your phone.

I know I wouldn’t.

As I said, it depends on what you’re looking to do.

Canada and UK Flags

Don’t be sucked in by the rates you see online

You can get ‘real-time exchange rates from all sorts of places these days.

FX portals, comparison sites, and even Google will give you a rate.

But here’s the thing…

Most of the rates you find online are misleading. They are not customer rates.

Instead, what you are seeing are ‘interbank rates’.

Interbank rates are the rates used by banks to trade with each other – they’re like wholesale rates.

To put that into context, even large corporations, that buy and sell massive quantities of currencies, don’t trade at interbank rates.

Unfortunately, this important point is hidden most of the time in disclaimers.

Now here’s the sneaky bit…

A lot of free websites use their wholesale rates as a teaser to lure in customers.

They make money by referring businesses and get paid a commission, or they have their in-house service they’re directing you to.

You think you’re getting a great rate but find out later that their customer rates are vastly different from what you initially saw.

It’s a common ploy.

If you need to transfer CAD to GBP, it’s best to get a genuine quote from a bank or money transfer specialist before you commit to anything.

That way, you will avoid any unpleasant surprises and make firm plans with your money.

Getting the best CAD to GBP exchange rate

Exchange rates are always on the move.

It makes it tricky to know when to exchange your money.

The CAD to GBP rate can have major moves.

You can see just how much the rate has fluctuated in the last 10 years.

CAD to GBP Chart

Peaks and troughs are common events in foreign exchange.

Over the years, the movements tend to become larger. But even over a few days or weeks, you can have swings of 2%-3%.

When it comes to exchange rates, even small moves matter.

By way of example; on a $150,000 transfer of CAD to GBP, just a 3% adverse move in the rate would cost you an extra C$4,500.

If you are unaccustomed to currency markets, you may not be confident in tracking the CAD/GBP rate.

It’s why it can be useful to speak to someone who is familiar with influential news and events and is monitoring exchange rates continuously.

By working within your timeframe, you could discuss target levels to aim for.

In my view, that’s a lot better than just leaving things to chance.

Who are we?

Key Currency is a leading money transfer specialist.

By understanding your exact requirements, we can work with you to achieve a better exchange rate.

Importantly, we don’t push you onto a trading platform and make you do all the work.

Unlike a money transfer ‘app’, we provide you with a service. All our customers are allocated an account manager who will take care of the entire process for you.

As a company, we are open and transparent. We don’t hide behind generic jargon or a faceless ‘app’.

The names, faces, and backgrounds of all our team of people are shown on our website.

You have the peace of mind knowing that Key Currency is an FCA-regulated Authorised Payment Institution (No. 753989), and as such, all money transfers are conducted through safeguarded client accounts.

We have attained a 5-Star “excellent” customer rating on the review website Trustpilot; the highest rating available.

To make a no-obligation enquiry, please request a quote below.

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Key Currency Limited, Suite 1, CMA House, Newham Road, Truro, TR1 2SU, United Kingdom. Registered in England and Wales (registered no. 09603083)

Key Currency Limited is authorised and regulated by the Financial Conduct Authority as an Authorised Payment Institution (Financial Services Register no. 753989).

Key Currency SL is registered with the Bank of Spain (registered no. 6912) and is a subsidiary of Key Currency Limited.

In the USA, Payment services for Key Currency Ltd are provided by The Currency Cloud Inc. which operates in partnership with Community Federal Savings Bank (CFSB) to facilitate payments in all 50 states in the US. CFSB is registered with the Federal Deposit Insurance Corporation (FDIC Certificate 57129). The Currency Cloud Inc is registered with FinCEN and authorized in 39 states to transmit money (MSB Registration Number: 31000160311064). Registered Office: 104 5th Avenue, 20th Floor, New York , NY 10011.

The information contained on this website is general in nature and is not to be construed as personal advice.