Jane and John decided to emigrate from the UK to New Zealand.

Using the bank, John would have had to line up at the branch, fill out the bank’s forms, pay ₤25, and then transfer the money to their NZ account at a rate of 2.6800.

Instead, Jane logged on to LatitudeGT and found that she could do the whole transfer online at a rate of 2.7210, all with no fees.