When we went overseas and needed to buy foreign currency cash we normally did it through one of the major banks - getting low rates and paying commission fees. However, one of hubby's staff (Chinese) bought her foreign currency cash through a Chinese firm and got really good rates. So, we tried it out on our recent trip to NZ. To our surprise, we got a very good rate for the NZD cash (when I compared it with the CBA rate on the day) and paid no fee whatsoever! Check out the website kvbkunlun.com - they are in the Citibank building (opposite Woolworths in Sydney). I phoned them first the day before to make sure they would have the cash amount I wanted to buy. I went there on the day and the small room / office was full of people (mainly Chinese) - had to wait for about 45 mins. I had to show some ID and pay for the NZD with cash. We will be using them in the future - and not the CBA! If you want to use them, then make sure to phone and ask the questions before you go there.