I primarily conduct transactions with VBCE thanks to their favorable rates. However, when it comes to purchasing Singaporean Dollars, I turn to Kingmark at Yaohan Centre since their rates are more competitive. My business dealings with VBCE could have been more frequent if they accepted merchant payments, especially when handling substantial amounts. As it stands now, for transactions over ten thousand dollars, it is a bit of an inconvenience to have to acquire a bank draft from my bank for payment. Additionally, I've occasionally faced difficulties when wishing to convert larger amounts (exceeding ten thousand dollars) of my Euros into Canadian Dollars. These are areas where improvements would be greatly appreciated.