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Do you know the cheapest and most efficient way of paying for goods and services or spending money both in the UK and abroad?

If you want to avoid those hidden extra charges join Vincent Duggleby and his guests for Money Box Live.

One method that's free is the Faster Payments Service, which moves money between UK banks in seconds rather than days. But banks still get complaints about gaps in the service and slow payments.

You will often have to pay though for other types of transactions when using a debit or credit card. For example, if you want to purchase goods abroad or buy foreign currency. How can you reduce those extra fees?