Exchange Rates & Fees
Understand your quote before you confirm.
HELP & RESOURCES · EXCHANGE RATES & FEESSee the full cost.
Then decide.A useful quote explains more than an exchange rate. Understand what you send, what is converted, what is charged and what the recipient is expected to receive.
Compare the full transaction cost, including the rate and applicable charges. Illustrative image only. UNDERSTAND THE COMPONENTS What can affect your total cost?
01 / CONVERSION Exchange rate
The rate applies to a specified currency pair, direction and amount. Ask whether an exchange margin is included and compare the full recipient outcome.
02 / SERVICE Transaction fees
Any applicable service charge should be identified for the transaction. Check whether it is charged separately or deducted from the amount being converted.
03 / PAYMENT ROUTE Third-party charges
Intermediary banks, receiving banks, providers or digital-asset networks may charge fees. Ask which costs are known and whether further deductions are possible.
Compare like for like.
Use the same sending amount, currency pair, payment route and timing when comparing quotes. A favourable headline rate may not produce the best net recipient amount once charges are considered.
YOUR REVIEW CHECKLIST Seven details to confirm before accepting.
Check What to confirm Currencies & direction Which currency is being sold, which is being bought, and whether any intermediate conversion is involved. Sending amount The total you will fund and the amount actually subject to conversion. Exchange rate The rate convention, any included margin and when the rate becomes binding. Charges Service fees, known third-party charges and any costs that remain uncertain. Recipient amount The expected amount and currency arriving at the destination, including whether it is an estimate. Validity & conditions Expiry time, acceptance requirements, funding deadline and what happens if those conditions are not met. Instructions & timing The approved funding details, payment reference, beneficiary details and expected settlement timing. There is no public live or executable rate on this page. Your transaction-specific quote and agreed terms govern the rate and charges.
MULTI-CURRENCY & USDT ENQUIRIES Confirm the conversion and the settlement route.
FIAT TO DIGITAL ASSET Supported fiat to USDT
- Confirm the fiat currency, funding amount and approved payment method
- Check the quoted USDT amount after applicable charges
- Confirm the supported network and destination address
- Understand funding, review and quote-expiry conditions
DIGITAL ASSET TO FIAT USDT to supported fiat
- Confirm that the proposed transfer and network can be accepted
- Obtain current destination instructions before sending
- Check the agreed fiat currency and amount expected after conversion and charges
- Confirm the beneficiary bank details and expected timing
Fiat-to-fiat settlement using USDT: where agreed, MultiPay arranges the intermediate digital-asset steps. Confirm the costs of both conversion legs, any network and provider charges, and the final fiat amount expected. You do not need to operate an intermediate wallet. Availability and timing depend on the approved route.
USD is a currency; USDT is a digital asset. Do not treat them as interchangeable. A stablecoin’s value can depart from its target, and additional technology, liquidity and issuer risks can apply. Confirm all transaction details before sending funds.
ASIC Moneysmart: understanding crypto assets ↗VALIDITY, TIMING & CHANGES Know what can change the outcome.
QUOTE EXPIRY A new rate may be needed
If the validity period ends or funding conditions are not met, the original quote may no longer apply. Ask for confirmation before using an older quote.
PROCESSING Timing is route-specific
Cleared funds, review requirements, banking hours, holidays and network conditions can affect processing. An estimate is not a guaranteed arrival time.
RETURN OR CANCELLATION The original amount may change
A return, recall or cancellation may involve charges or a further conversion. Whether it is possible depends on the transaction stage and applicable terms.
COMMON QUESTIONS A little more clarity.
Why is an online market rate different from my quote?
A market-information rate may be indicative and may exclude transaction costs. Your quote can reflect the currency pair, amount, available route, timing and fees. Ask for the full breakdown rather than comparing the rate alone.
Can you promise the recipient will receive an exact amount?
Ask whether the quoted recipient amount is fixed or estimated and which third-party deductions remain possible. Do not assume all receiving or intermediary fees are known in advance.
What should I include in a quote enquiry?
Provide the sending and receiving currencies, approximate amount, payment purpose, destination and preferred timing. For digital assets, state the requested direction and network if known. Do not include passwords, private keys or identity documents in a general enquiry.
WE’RE HERE TO HELP Request a quote that fits your payment.
Tell us the currency pair, amount, destination and purpose. Our team will assess the requirements and explain the next step.
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