You can choose how you want to use each IBAN you create. Each IBAN can be configured in the mobile application in the following ways. Automatic exchange: We take care of everything. Upon receipt of your funds, we take care of directly executing the exchange of your funds and the sending to your beneficiary account is done automatically. Manual exchange: You choose the exchange rate at which you want to make your transfer, directly on your mobile application. You have 30 days to initiate the exchange. After this period, the payment is processed automatically.