hi
i recently have set up an account(online t/fers only,for 1 off payments) with
http://www.hifx.co.uk , i set it up over the phone very easy ,,then you simply do your money f/fers online using debit/credit cards,cards must be in same address as your registration address, when applying, by looging into your account online, t/fers upto £5000 online only,, you can send 1 off payments to many countrys including bg, the rate changes daily and could also change during you doing your online transaction could stay the same or go up or down during you doing your transaction, when you click confirm thats the rate you get,the rate is better than your bank and there are no bank fees,t/fer fees,commision etc,simply set up an account, i will be sending 1300 euros to f/noks, the rate yesterday with this facility was 1.13euro(remember no extra charges) the euro is getting better daily i would say...