I live in the UK and made a withdrawal using a SEPA transfer as the UK is in the SEPA region, but as we don't use EUR, this means the USD were exchanged to EUR and then to GBP. Would I have been given a poor exchange rate? If so, would I have been better off with the USD being transferred straight to GBP, i.e. one exchange instead of two? Would an international bank transfer convert USD straight to GBP?