Euros out of the banking system and into notes, in a city you pick. Sent as an ordinary transfer, collected in person against a code.
You send an ordinary euro transfer from your own account. We confirm on receipt rather than on your bank’s promise, which in practice means the same business day.
You collect notes in person from the agent, against a six-character code. No document is asked for, and an agent who asks for one is removed on the first occurrence.
You can take delivery in EUR, USD, GBP, CHF. Pick it in the calculator before you lock; the figure you see is the figure in that currency, fee already subtracted.
At the current rate of 0.9895, a member sending 20,000.00 EUR receives 19,612.33 EUR — that is 19,790.55 gross, less 168.22 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 choose the city and the agent when you create the request, and you collect against a six-character code. No document is asked for at handover.
Three more cities settle by appointment. The coverage map has all eight with their own hours and notice.
Bank rails move on banking hours, not ours. A wire received before 14:00 CET usually settles the same day; after that, the next business morning.
Above the standing reserve of 920k 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.