I live in Singapore. Innovative and low cost is not exactly how I'd describe the services available to me. I can do money transfers but they're very expensive

I live in Singapore. Innovative and low cost is not exactly how I'd describe the services available to me. I can do money transfers but they're very expensive using the regular banks. Currencyfair.com, which is innovative (and cheap!), is also prohibited in Singapore for outbound transactions, but it's available in the US.