Yeah, unfortunately bank is the only way to accomplish this. However, the opposite is readily accomplished via merchant transactions since EQ assumes you would prefer to send small coin first. For example, if you have 350gp weighing you down, you can purchase 4 peridots and then sell them back to the merchant. You lose around 5% on gems (and some, but not all, other items) depending on faction, but it sure beats traveling back to the bank ^^.
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