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International Wire/Bank Transfer to Guide Using Third-Party Service?

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My private tour guide in Europe is asking me to remit a 30% deposit via wire transfer to a European bank. My small community U.S. bank does not offer outgoing international wire transfers, although they accept incoming international transfers as well as receive and send domestic transfers. I opened an account with a larger national bank in my area, but learned too late that they will not send an international transfer until I have 6 months of account history. Has anyone used a money transfer service such as Xoom, Transferwise, XO, or Western Union to make an international transfer? Those companies offer transfers from a bank account or credit card, but the limited reviews I have read are not positive. I am concerned that if I use a credit card to pay, it will be treated like a cash advance, and I don’t want to pay unnecessary interest. I was all set to use Xoom (because they are owned by PayPal), but that service is intended for person-to-person transfers. (The name on my guide’s bank account begins with her company/business name, so I am concerned that my transfer won’t be processed.) My guide does not accept PayPal, which is generally how I send deposits to my guides. I am not concerned that this is a scam or that the request is not respectable. The guide will allow me pay my balance in person in Euros when I arrive, I just need to make the bank transfer to give my deposit. Because I am using the guide and a car with a driver for several days, the deposit is substantial even though it is only 30% of my total bill, so I don’t want anything to go wrong with the transfer. Thoughts/experiences using a third-party to send an international wire/bank transfer?

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