Overall I am very impressed with HIFX. The rate is substantially better than mainstreet banks, the web-based system is very easy and efficient and customer service is very good. My only gripe is that the first time I used them was for a large transaction and the rate was very competitive. Since then I put through a still significant amount of money and the rate was substantially worse. It seem there are 2 rates - one for up to £100,000 and one for over, the latter being very good. I find it strange that the same rate is quoted for say a £3000 trade as for a £90,000 one. One would expect to slide closer to mid as the size increases.
Anyway, I suppose it is a fairly specific gripe. For amounts less than £10,000, which I guess is the vast majority of the business done, the service is top notch. Equally so for over £100,000. But for amounts inbetween I will be checking what competitors quote on my next trade.
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