2025/26 All tools updated for the current UK tax year — VAT threshold £90,000 · Personal allowance £12,570
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Wise β€” real exchange rate, 0.4-1% fee, 1-2 days.
Remitly β€” good rate, minutes.
Your bank β€” avoid: hides 3-4% in exchange rate, charges Β£15-25 fee.

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