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Since your funds are in a UK savings account and you want to move them to an Estonian Euro account, you have a few options. Traditional banks offer convenience and security but often give poor exchange rates and may charge high fees for international transfers. Specialized currency transfer services like Wise (formerly TransferWise), Revolut, or CurrencyFair usually offer better rates and lower fees, although some may have small percentage charges depending on the amount. One efficient approach is to compare a few of these services for both the exchange rate and fixed fees. Also, check if your UK bank can set up a “spot” transfer or a multi-currency account to avoid multiple conversions. Planning ahead and transferring larger sums in fewer transactions can reduce percentage-based fees.