Answering my own question here. A link for a foreign exchange service that bypasses the big banks.

Ethical Currency - Home

I've looked it up and it is legit.

I know many immigrants in the USA use a kind of person to person system to move their money between countries without paying the expensive bank charges. Takes a lot of trust though I've never heard anyone say anyone had ever lost their money this way.

It also makes me wonder why businesses complain about being taxed by their governments when they are paying huge amounts to banks for foreign exchange transactions. Doesn't make sense. Why don't they complain about the bank charges, or do they get breaks?