Because regular banks here in the USA charge a fortune to exchange your incoming funds, looked into transferring funds here (from the UK) with an international money transfer company. I spoke to several. OFX stood out has having exceptionally easy to deal with and helpful people. Richard, in Canada, was the guy who helped me. On the UK end I was dealing with a firm of solicitors. Technical details protracted the prospective transfer. The OFX person showed remarkable helpfulness and good humor throughout. Much appreciated!