Transfers using our website or app: When you create a transfer, you’ll see the current rate. A timer underneath the rate shows you the time remaining until the rate is updated. As soon as you ‘Confirm’ your transfer the rate is fixed. What you see is what you’ll get. Transfers in person or by phone: We’ll discuss your requirements for you and provide you with a custom quote. Once you’ve confirmed you’re happy with the rate, we’ll initiate the transfer for you. The rate you were quoted is the rate you’ll receive as long as we receive payment for the transaction within the agreed timeframe.