@Helen123 , your understanding about there being NIL reporting requirements on interbank / intra-bank transfers is correct (as long as the amounts are less than treasury limits and the foreign bank is not in one of the sanctioned countries or is not a sanctioned bank ). Since you are dealing with only US /UK banks and neither you nor your spouse is a sanctioned person, just don't worry about transfers.
Hope this puts to bed all your worries on this subject.
pk
