OFX's user experience is excellent, both in terms of its online interface and particularly its app. They are incredibly simple, straightforward, and self explanatory. They payment mechanisms are good - one of my favourite things is that once they are set up as a recipient on my online banking, I didnt have to remember any reference numbers, the money goes to the right place every time. The exchange rates match or beat all the other things I shopped around for, and the fees are reasonable. I think there are other helpful services I havent used yet. great company.