Post # 1
I’m looking for some advice about paying for a destination wedding. My fiance and I live in Canada and we decided to have our wedding in Italy! It’s going to be amazing and I’m so excited to start planning!
I’ve found a great planner who is based in the UK but we have yet to sign a contract because I’m not sure how to pay her deposit. I’ve never had to send money internationally so I would love some advice.
Clearly we want to save as much $$ as possible in terms of fees and exchange rates. Our preference is to pay her (and all our vendors) with our credit card (low fees, low exchange rate, and points!) but she can only accept a transfer to her bank.
Have any of you lovely bees run into the situation? Do you have a trusted company you use to send money? Appreciate any and all advice/expereinces you can share!
Post # 2
This would make me nervous- why won’t she accept a credit card? Unless Inknee for sure his was a real person (aka I have met them or a close relative or friend has met them), I would be hesitant to do any form of a money transfer.
I’m not well verse in Pay Pal, but would that be a viable and safe option?
Post # 3
I use Transferwise to transfer money between our bank accounts in the US and Europe. We live in Europe and have to pay our vendors via wire transfer all the time.
Post # 4
I wouldn’t hire a wedding vendor that did not take credit cards. Credit card is how you as a consumer protect yourself agains<u>t</u> that vendor going out of business or failing to show up. If they don’t deliver the service you’ve paid for, fill in a simple credit card dispute form and you’ll get your money back. If you pay with bank transfer, you have to take them to court.
Post # 5
Thanks for the advice. She seems very professional and we have had a number of phone calls/skype calls. But now I’m second guessing our choice because she won’t/can’t accept credit cards…
Post # 6
I got married in the UK and all our vendors wanted bank transfer and none accepted credit card payments so I just wanted to confirm that this is normal in the UK as far as I experienced. If you are certain that she is a legitimate wedding planner with a good business history then I wouldnt let this put you off. As far as paying, is it possible for you to open an international account? When we moved abroad for the first time we opened an international bank account so there were no exchange rates or fees. Many local banks do them but our best success was with Advancial.
Post # 7
It is normal if you’re paying a large(ish) sum to be asked to pay via bank wire transfer. This actually protects you both ways since the transaction (in the majority of countries I’ve been in) is easier to claim on both ends if something goes wrong.
How I’ve been told is that when you wire transfer, details are always provided plus the reason for transfer. If you state that you are paying for wedding services and your planner doesn’t deliver, you can make a claim to get your money back with clear written proof. This also protects the vendor against credit card fraud. For example if the credit card was stolen, the vendor would get the money up until they found out the card was stolen and would reverse those charges, leaving the vendor with nothing after providing services.
Post # 8
Would she be able to use paypal? I would use paypal or credit card, if she can’t accept either, I would be heistant.
Post # 9
princesslauren : I’ve successfully used Transferwise too! I might have a coupon for a free transfer lying around somewhere in my email archive if you decide to give it a shot.
Post # 10
If she’ll accept PayPal, you can use your credit card on there so you can still get your points.
Post # 11
In Europe the vendors all do business with bank transfers, that’s just how it works. They don’t do PayPal or credit card. As long as you have signed contracts before you transfer money, you should be fine.
Post # 12
xkchelsea : That would be great! thanks!
Post # 13
Thanks for all the advice – she has paypal so hopefully she will send me an invoice I can pay with a cc. Otherwise, we’ll use a service like transferwise!
With the amount of money we’re going to be sending overseas I hope we can use cc’s for most of it!