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Old 01-09-2013, 02:33 PM
AmyM AmyM is offline
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Join Date: Nov 2012
Posts: 22
Default Wiring payment internationally - here's a tip

I've never wired money before. We decided to use our credit card to pay for the surgery so at least we'd get the airline points. However, there was a 2% international transaction fee, so it didn't make sense (the fee would have been more than the miles were worth). So we decided to wire 3/4 of the payment, and charge the rest on our credit card (my surgery is with Dr Clavel in Spain & Yolanda was happy to set that up for us).

Luckily, my husband went to the bank with me when I went to do the wire. He works in international finance, and sees the exchange rate all day. When he saw the rate Wells Fargo was charging us, he was not happy. It was the same rate they charge someone who's walking in to exchange a few hundred bucks for a trip - NOT a rate you want if you are wiring tens of thousands of dollars. He talked to the bank and told them the rate he was working with that day, but they couldn't/wouldn't lower it for us. I realize they are running a business, but the rate they were charging would have added about 5% to our total (on top of the $45 fee). So we decided to send payment in US dollars instead of euros. Dr Clavel's bank gave us a more favorable exchange rate than ours did, so it worked out in our favor.

So my tip is - be sure to know that day's exchange rate before you go to the bank! If your bank is not close to that in their exchange,and won't lower it, consider sending in US dollars.
Car acccident 4.11.11 - damaged c 3/4, 4/5 & 5/6
pain in neck (ha), right shoulder, arm & tingling hand
2-level cervical ADR (c 3/4 & c 4/5) with Dr. Clavel in Barcelona on January 10, 2013
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Old 01-09-2013, 08:09 PM
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Harrison Harrison is offline
Join Date: Oct 2004
Posts: 6,780

That's nice of you Amy to share this. I made a copy of it and put it in the Travel Assistance forum.

Hope U2 have a great 2013!
"Harrison" - info (at)
Fell on my ***winter 2003, Canceled fusion April 6 2004
Reborn June 25th, 2004, L5-S1 ADR Charite in Boston
Founder & moderator of ADRSupport - 2004
Founder Arthroplasty Patient Foundation a 501(c)(3) - 2006
Creator & producer, Why Am I Still Sick? - 2012
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Old 01-10-2013, 04:11 AM
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Lillyth Lillyth is offline
Senior Member
Join Date: Nov 2012
Posts: 679

Wow! Great tip!

I will be sure to use this.
Multiple traumas to spine starting age 13.
1st American to have 6 ADR's in one surgery. C3-4 - C/7, & L5-S1 - L3-4.
Surgery w/ Dr. Clavel, 3/18/13, M6.
Before surgery: severe spinal stenosis C5/C6 (cord "flattened" per stateside doc), + for Hoffman's & Babinsky's.
At time of surgery: 5 yrs MAX before ending up in wheelchair.
Clavel found L5-S1 partially fused. Had to cut it apart to put in M6.
Please excuse brevity - SEVERE carpel tunnel.
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