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" Sending money via money-transfer agents or even large banks is slow and expensive. To make a transfer work, several banks charge fees; the process takes a long time; and consumers don't get the best exchange rate. Consumers get the worst deal when they send or receive money in cash. But new financial technology companies are starting to offer faster service and better rates. Plus, learn the English phrase ""on hand."" Read the full transcript of this episode at https://www.plainenglish.com/186      Transcripts are always free and available now! ¿Hablas español? Você fala português? Parles-tu français? 你会说中文吗？日本語を話せますか？ The episode transcripts include instant translations from English to Spanish, Portuguese, French, Chinese, Italian and Japanese. Hover over or tap a highlighted word for the translation. Connect with Jeff on Twitter (@PlainEnglishPod) and Facebook (PlainEnglishPod). Or e-mail jeff@plainenglish.com **NEW** Connect with us on WhatsApp! Send a message to +1 312 967-8757 and add us to your contac