I have a US bank account & use OzForex (you can use USForex as a US citizen). I've also used XE Trade in the past. Transferwise is awesome (much better UI), bu

I have a US bank account & use OzForex (you can use USForex as a US citizen). I've also used XE Trade in the past. Transferwise is awesome (much better UI), but not as good as OZ/USForex or XE in terms of rates.