It's amazing what you can gain by asking/pushing a little. Needing to change pounds to Euro a couple of months ago, I informed the agent that I could get get better elsewhere, but that I wanted to change my money with them as they were a trustworthy company. They agreed to change at the best rate I had seen online that day. Last week, looking at booking a holiday for 2015, the company I wished to go with were not offering a low deposit, so I phoned them and explained that I only wanted to go THAT destination, THAT hotel, and with THEIR reliable company only, but explained that I only had a certain amount to deposit that day. They agreed to take my low deposit that I offered! It definitely pays to ask