In my expierience TransferWise is the only one that gives you a rate online that you will get for 24 hours....The others ( and I've tried a few ) give you the bank rate on line but when you actually change your money thats when you realise the bank rate quoted is not what you get. And "no fee charged" is rubbish if you don't get a good exchange rate in the first place. But as Catlady2014 says, get registered ( it doesn't cost anything ) then you are ready to go.