, if your income is equivalent to 44k per month at today's exchange rate, only transfer 40k a month, because if the rate drops back to what it was last year, your 44k will only be
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k, that way it will leave you enough savings to top it up to 40 until the rate rises again
Use a friend or relatives address for your bank, alternatively just don't tell the bank you've moved, if you use online banking, they have no need to send you any correspondence