Notes in, a euro transfer out to any SEPA account. The funds have to be yours, but the account does not have to be.
You hand notes to an agent you chose from the marketplace. Nothing is released on the other side until the desk confirms the count — that confirmation is what protects both of you.
This side accepts EUR, USD, GBP, CHF. Currency choice does not change our percentage — only the market rate differs.
We send a euro transfer to the IBAN you supply. Same business day where the cut-off allows, the next morning otherwise.
At the current rate of 0.9890, a member sending 20,000.00 EUR receives 19,602.46 EUR — that is 19,780.60 gross, less 168.14 at 0.85% and a 10.00 fixed charge.
Nothing else is deducted by us. There is no network fee and no correspondent bank on this route, so the figure above is the whole cost.
You hand the notes to an agent you chose from the marketplace, and the desk confirms receipt before the other side is released.
Three more cities settle by appointment. The coverage map has all eight with their own hours and notice.
Counting and verifying notes takes twenty minutes to an hour depending on size. The outbound leg then settles at its own speed.
Above the standing reserve of 1.4M EUR the desk needs 24 hours to position, which is scheduling rather than refusal. You are told at the quote, not at the counter.
None below the band for your tier — €999 as a guest, €9,999 as a member, €99,999 as VIP. Above it we ask one question about where the money came from, never about who you are, and take no document either way. The source of funds page sets out exactly what a sufficient answer looks like.
2,000.00 EUR. Below that the fixed cost of settling is a large share of the transaction and neither side benefits.
Yes, and you should. Locking freezes the figure for 14 seconds as a guest, 60 as a member and five minutes as VIP. If it expires we requote and nothing is charged.
Message the desk. Above the published ceiling we quote by arrangement rather than automatically, usually with a day of notice, and the price is agreed before you commit anything.
You meet the agent whose listing you selected. If they cannot make the window, the desk offers you another and your rate is unaffected.