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HiFX Review

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Reviews 48,671

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BestMoney Staff
Bestmoney Staff
Jun. 18, 20214 min read

HiFX summary

HiFX transfers nearly $75 billion annually to over 170 countries in 60 currencies and has earned a reputation for great customer service. The company combines personal money transfer solutions with business-ready services that can help everyone from small boutique companies to enterprise firms that need to send thousands of payments at a time.

Pros

  • No hidden fees
  • No monthly charges
  • Make transfers and manage account 24/7

Cons

  • You have to create an account to make a transfer
  • Payments must be made by bank deposit
HiFXat a glance
4.6

Editorial score

Fees?

No transfer fees

5.0

Transfer time

Same day

4.0

Customer service

Help from an agent over the phone or through live chat available

4.0

Security

Regulated and encrypted secure transfers, biometric entry and multi factor authentication for account

5.0

Online and mobile experience

Excellent site and app with thransparency of rates, mobile transfers and transfers from credit cards as well as bank accounts

5.0

HiFX Fees and Rates

HiFX doesn’t charge any fees for membership and the only transfer cost is a $12 fee for transfers under $4,000. The company makes its money off “playing the spread,” which is the difference between the prices of currencies that it buys and sells. The company promises exchange rates that are better than the average bank due to the high volume of exchanges they carry out.

That said,this doesn’t include the cost of transferring the funds to HiFX or charges incurred when the funds are exchanged to a different currency at the destination.

How Does It Work?

Transferring money and having bills can be stressful, but HiFX makes the process quick and easy to follow:

  • Sign up for a personal or business account
  • Provide any necessary documents for identification
  • Log in to account
  • Confirm currencies to exchange
  • Enter amount to exchange and destination and confirm
  • Agree to exchange rate and total cost

After completing these steps you will receive an email from HiFX when the company receives your funds and when your payment is sent by the company. HiFX says to wait 1-3 working days for the beneficiary bank to credit the funds to the destination account.

Top Highlights

  • Transfers can be made 24/7
  • Transfers protected by Norton online security
  • At least 60 currencies transferred
  • Payment by bank transfer, debit, or credit card
  • Transfers can be made on mobile devices
  • Ability to send thousands of payments in a single file upload
  • “Strategic Partnerships” available for businesses to help make payments easier

Customer Support

HiFX does not run a 24/7 customer service phone line or a live chat on its website. Customers can call the helpline during regular business hours, or contact the company by email. In addition, the website has an extensive FAQ section and a very informative blog.

Bottom Line

HiFX makes transferring money internationally easy, and can work with more than 60 currencies to well over 100 countries across the globe. There are no hidden fees and the company doesn’t charge for membership. The transfers are also kept secure and you can make them 24/7 from any mobile device. In addition, HiFX works well with companies large and small, and can be set up to send thousands of payments at the same time.

BestMoney Staff
Written byBestmoney Staff

Our editorial staff consists of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right provider for your needs.

HiFX
HiFX
ExcellentReviews 48,671
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Trustpilot reviews

See what some costumers are saying about HiFX
HiFX
ExcellentReviews 48,671
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85%
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  • author
    Adam
    18 hours ago
    Time tested

    I've been utilising their services for some 14 years now (ever since moving from UK to Australia and then NZ), never missed a beat. Always ultra-efficient, secure and wayyyy cheaper than the banks. A+++

    ...

  • author
    Graeme Anderson
    18 hours ago
    Good rate

    Good rate, and quick transfer in same day

    ...

  • author
    Tanya
    20 hours ago
    Always so easy to use and great…

    Always so easy to use and great communication all the way. Would never transfer funds any other way. Rates are always miles above the banks and other currency companies.

    ...

  • author
    Andrea
    21 hours ago
    Fast and easy transfers and good…

    Fast and easy transfers and good exchange rate.

    ...

  • author
    Riaz
    21 hours ago
    Absolutely the best

    The best rate, the simplest processing of the most sophisticated tasks, everything is perfect.

    ...

  • author
    Marrianne Crawford
    a day ago
    The bank wanted to charge me $50 to…

    The bank wanted to charge me $50 to wire funds to England. XE took a little longer but cost me a fraction of the cost (well actually nothing - no charge!), It was easy to send and once sent, the recipient was happy knowing that funds were on the way even if it did take a few extra days.

    ...

  • author
    Mark
    a day ago
    XE has always been helpful

    XE has always been helpful and the process is simple to understand

    ...

  • author
    Graham
    a day ago
    Poor experience - after many previous +ve experiences with HiFX

    Hi - I've been using HiFX/XE for several years (as I'm sure you'll be aware) With this recent order - which I had originally tried to make for 50.000 GBP I hit the first hic-cup of my business with the company I had hoped to be able to eventually trade approx 3000,000 GBP and took time in past week to check that this process was amangeable and 'straightforward' I completed the additional screening and checks in week before the trade - passport photos etc - and I even received an e-mail confirming that I could now trade the larger sum - but - when I came to set up the trade the web-site (again) refused to accept the amount I later (20 minutes) made a trade for 20,000 GBP in order to check that there wasn't another factor stopping the trade process - and I amde that trade relatively easily I am considering taking my business elsewhere due to this scenario - I'd rather not do this as to date all previous trades have been seamless and simple Happy to recive a call about this 0408 826146 Graham

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  • author
    LEONID
    a day ago
    There was another time I used XE to… t

    There was another time I used XE to transfer money to Italy. I have a XE application on my phone. It took me exactly a minute to finish the transfer.

    ...

  • author
    Nicola
    a day ago
    Easy

    Easy, fast and intuitive to use

    ...

  • author
    Mr Hughes
    a day ago
    I have used XE for years and have…

    I have used XE for years and have always had a first class very fast service with great exchange rates. Thank you, David

    ...

  • author
    Owen
    a day ago
    We only use XE to transfer our monthly…

    We only use XE to transfer our monthly funds from Canada to the U.S. since it's proven to be the most reliable, accurate and easy to use.

    ...

  • author
    Mr M D'vic
    a day ago
    No hitches

    No hitches, all as promised. I would have preferred a little better exchange rate, World Remit offers better. However, I trusted you more...

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  • author
    Trevor Druett
    a day ago
    I am a regular user

    I am a regular user, transferring money to my French bank account. The process is straightforward and secure. I am very happy to recommend XE.com.

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  • author
    Ivan
    a day ago
    Fast service

    The service is fast and the rates are great!

    ...

  • author
    Angela Crosbie
    a day ago
    this was my first time use and it was…

    this was my first time use and it was really good and easy to use.

    ...

  • author
    Peter
    a day ago
    Excellent efficient and very fast money…

    Excellent efficient and very fast money transfer service

    ...

  • author
    Roger Dollon
    a day ago
    Excellent service every time I've used…

    Excellent service every time I've used the company to transfer funds from one currency to another in a different country. When the transfer is ordered in the morning, the transfer hits the receiving account the same day and usually in a matter of hours

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  • author
    Shah Alam
    2 days ago
    I have been using their service for…

    I have been using their service for funds transfer for over 18 months, made 24 transfers from CAD to USD & PKR, and all were executed in time as promised — that is, each one of those 24. Recently, they have been asking for additional information, but that's understandable because of increased surveillance by financial authorities: while that may be somewhat irksome, it's not a deal-breaker. I always prefer paying XE.xom using the 'Bill Payment' option because it's not only faster but also eliminates the need to authorize them direct access & debit to my bank account. In conclusion, it's now my preferred way for money transfers from the comfort of my home with a few clicks. Thank you, XE.com

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  • author
    Peter Dodd
    2 days ago
    In attempting to send a transfer to…

    In attempting to send a transfer to France, I was advised 'we need more information about the recipient'; I called ( as nothing further happened), and waited 20 minutes, and gave up, irked at the muzak rather than people response; no email locatable on the site. LIfe is too short to listen to muzak, and to try to deal with idlers.

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  • author
    nicholas long
    2 days ago
    a very good hassle free transfer i have…

    a very good hassle free transfer i have used this firm on a number of occasions and not been disappointed. only drawback is the time taken to contact by phone ,if needed

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  • author
    Anthony
    2 days ago
    Excellent

    Excellent. Much better than the last one I used for money transfer.

    ...

  • author
    Elizabeth Ackermann
    2 days ago
    Very fast

    Very fast, easy and reliable service. Low transfer fees.

    ...

  • author
    Scot Matheson
    2 days ago
    More than 24 hours later bank transfer…

    More than 24 hours later bank transfer has not completed.

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  • author
    Bilkish
    2 days ago
    I have always had good service

    I have always had good service. The only annoying thing is when you ring you need to choose between two options and then starts the spiel. Was good to hear it the first time but you listen to it every time is a bit of a pain. I gave this feedback to the lady I spoke to and asked if there was anyway I could skip it.

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  • author
    Ian M
    2 days ago
    I have used XE Money Transfer for the…

    I have used XE Money Transfer for the past 10 years. I cant fault their system and have never had any issues. Transfers are fast and reiable and really easy to complete using the app. A great system.

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  • author
    Prashant
    2 days ago
    My Experience

    My experience with XE had been excellent. very quick and easy service. XE app makes its very easy as well to do transactions

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  • author
    Martin
    2 days ago
    Quick and easy

    After the initial requirement to upload identity verification, the process was simple, quick and money was in account from UK to NZ within the day.

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  • author
    Paul Meyer
    2 days ago
    Very fast and reliable

    Very fast and reliable

    ...

  • author
    Gavin
    2 days ago
    Quick and efficient

    Quick, efficient and especially good if regular transfers are done as data is saved.

    ...

  • author
    Allan
    2 days ago
    Brilliant service once setup properly…

    Brilliant service once setup properly for regular international transfers

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  • author
    Andrew
    2 days ago
    multiple transfers

    I have transferred multiple sums using Xe and it has always been easy and efficient. I am happy to recommend the service.

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  • author
    Peter
    2 days ago
    fast efficient and trustworthy

    fast efficient and trustworthy

    ...

  • author
    Matt
    2 days ago
    Slow Transaction

    Money exchange occurred as stated. Time of transaction was longer than other methods so if speed is required, this option is not a good one.

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  • author
    Gaetan
    2 days ago
    Good reliable service.

    Good reliable service.

    ...

  • author
    Ramanjeet
    2 days ago
    Fast

    Fast, convenient and reliable

    ...

  • author
    Paul
    2 days ago
    I have always really rated XE

    I have always really rated XE, but today I get a random email saying I need to login to Sikhona and confirm a load of personal details so I assume this is a scam and try and contact you to get verification. I can't find anywhere on your website and my account that gives me a contact person or link to verify this. The money needed to be in my overseas account today so I am not impressed. Don't send a survey form out if you don't give customers the opportunity to contact you directly as opposed to going public like this now which I hate doing, but you leave no other contact options 30 mins later ... I have called the following help numbers from the XE website if you are dialing from the UK: +44-1753-441844 - does not exist - open to 6pm +1-416-214-5606 - does not exist - open till 10pm The link to Sikhona requires you register your overseas residential address so that you can progress with the transfer, but how do you do that if you don't live there????????????????

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  • author
    Susan Harris
    2 days ago
    Next day available

    Next day available

    ...

  • author
    James
    2 days ago
    Brilliant service

    Brilliant service

    ...

  • author
    PAUL HEDLEY
    2 days ago
    The service automated and seamless and…

    The service automated and seamless and having shopped around for a rate this was the best one I could find for the size of the transaction.

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  • author
    Michael
    2 days ago
    International Funds Transfer

    Excellent service as usual. Time between initiating the transfer with XE until funds in the UK bank were a couple of hours. Excellent support. Thanks.

    ...

  • author
    Friend of Ted
    2 days ago
    Excellent 5 star service

    Excellent 5 star service

    ...

  • author
    Tom Ward
    2 days ago
    Simple to send money

    Simple to send money, good rate of exchange, easy to complete transfer and funds in your account in no time.

    ...

  • author
    Mr John Simmons
    2 days ago
    Not as easy as world first but I will…

    Not as easy as world first but I will no doubt get the hang of it. Had to ask for the trade PDF which was annoying. After that all went smoothly.

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  • author
    Ian
    2 days ago
    Efficient service and reasonable rates.

    Efficient service and reasonable rates.

    ...

  • author
    Graeme
    2 days ago
    Excellent service

    Service easy to use - instructions clear and concise

    ...

  • author
    Paul Cordes
    2 days ago
    I’ve used XE for numerous money…

    I’ve used XE for numerous money transfers for a couple of years now. I get a better rate than my high street bank and the whole process is so easy.10/10

    ...

  • author
    Chih-Ying Wei
    3 days ago
    I am strongly recommend NOT to use XE.

    I am strongly recommend NOT to use XE. Since I left a review to them after I contact their customer service, it has been seven days, I have not heard from them yet. A simple copy of telegram would take more than two weeks? Do you live in stone age? My money is still in my recipient's bank for more than one month and now the bank is going to return. God knows how long it will take this time, another month or two. Please, Do not use XE. Ridicules slow and poor service.

    ...

  • author
    Emma Mc
    3 days ago
    Very impressed

    Very impressed, easy to use online system (recognised my nephew's acc details, so it automatically filled in the info I didn't have) When paying £100 I was only charged £2 to transfer to Australia. Will use again!

    ...

  • author
    Richard
    3 days ago
    Excellent service

    Excellent service

    ...

  • author
    Margaret
    3 days ago
    I have used xe for 2 years always easy…

    I have used xe for 2 years always easy but this time had to do the verification as I have low. Ision ans bad arthritis in my hands took me awhile. Fortunately a one off hopefully but what does one do if they nolonger have a current driver license or passport lots of older people in this situation Transaction was quick and notification great. Thanks

    ...

  • author
    Carrick
    3 days ago
    Ok in general

    Ok in general. However when you do something you are not sure if correct. So you sometimes have to repeat things.

    ...

  • author
    Annette
    3 days ago
    Highly Recommended

    I have been using this platform for years,highly recommended and the rates are very competitive.

    ...

  • author
    Gary
    3 days ago
    I consistently choose to use XE.com as…

    I consistently choose to use XE.com as their rates, transfer of funds speed and support are all excellent.

    ...

  • author
    Lee Draycott
    3 days ago
    Account closed with no explanation!

    Been a business customer for nearly 10 years previously with HIFX when it migrated to XE. Used the service every other month or so, so no big user but it was reliable. Came to use it this morning to be told your account has been closed. Guy called Josh didnt know why and couldn't offer an explanation. Suggested it maybe because it wasn't used very often!!

    ...

  • author
    ALI
    3 days ago
    Sam - Auckland Customer Service.

    Sam - customer service Auckland was amazing. The ‘system’ was very challenging and the wait times to speak to a person is outrageous. Sam’s management of everything that was frustrating helped save me as a client for Xe. Thank you Sam. Regards, Ali Karimi

    ...

  • author
    Terry
    3 days ago
    I had two HIFX/XE accounts

    I had two HIFX/XE accounts. The transfer was booked to the wrong account in UK. Despite calling twice I continued to get emails saying I had not paid. Finally, on the third call the operator fixed it, cancelling the transaction and re-doing the receipt end of the transfer over phone. This was pretty stressful as the first two operators said nothing except that I hadn’t paid. Disappointing. Moreover, for each call I was on hold for around 40 minutes.

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  • author
    Jacques Campbell
    3 days ago
    Good all-round performance over the years.

    Good exchange rate and rapid transactions with excellent communication.

    ...

  • author
    John
    3 days ago
    Fast fair and relatively easy.

    Fast fair and relatively easy.

    ...

  • author
    Idir
    3 days ago
    Good job!

    Good job! Guys. Thank you.

    ...

  • author
    Steve Mac
    3 days ago
    The XE web site is slowXE Experience

    The XE web site is slow, but the exchange rates are very good. The transaction took 4 "business" days to complete. My bank transferred the exchange amount immediately from my account. XE did not acknowledge the transfer until three business days later, then immediately XE transferred the exchange amount on the fourth business day. Not sure why there is such a delay. Is it the banks, then sending and receiving banks causing the delay ??

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  • author
    Graham
    3 days ago
    Needed to transfer a small sum (€200)

    Needed to transfer a small sum (€200), to reserve a holiday in France for 2022. I deal direct where possible, so no agent etc was involved. I already know about the ludicrous charges UK banks levy, so sought out an alternative. Google led me to XE. This was my first experience of a currency broker, and what a refreshing experience it was. From initial registration, to the actual transaction (with constantly updating exchange rate), I found the whole experience simple and intuitive. I achieved a very acceptable exchange rate, with a tiny transaction fee…well pleased. And, to top it all, just over 24 hours after completion, I received confirmation from the French side of things that my payment had arrived. Very pleased with the service from XE, and recommended without hesitation.

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  • author
    Justin
    3 days ago
    Two ‘lost’ transfers and over a month and no resolution from XE

    Two recent transfers have been ‘lost’ and four weeks later and countless emails and calls XE still have not sent the details of the ‘trace’. Claimed money was resent a week before it actually was and continually told it is ‘being escalated’ but no result. Fine when it works, dreadful when a problem arises.

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  • author
    Elizabeth Rowan
    3 days ago
    Excellent service

    Excellent service. Fast transfers and very good rates. No fee on amounts over £250. Highly recommended.

    ...

  • author
    David Nunn
    3 days ago
    Have used them several times now and…

    Have used them several times now and always a very efficient service. They reimbursed my bank's wire transfer fee and they beat my bank's inter-country exchange rate.

    ...

  • author
    Lynne Davies
    3 days ago
    Five star service

    I have been using XE for a few years now, to send money to family in New Zealand. The site is easy to use and the transfer couldn’t be any quicker. I can’t recommend XE enough.

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  • author
    Glenn Joyce
    3 days ago
    Great site for transferring euros or…

    Great site for transferring euros or any currency to anywhere else. Not ever any issues here. Well done guys.

    ...

  • author
    Emmanuel Olupinyo
    3 days ago
    Love it

    I’ve used XE for about 3 years now and I can’t find a single bad thing about them…well, except the part you may have to pay unannounced intermediary bank charges. I hope they work on that aspect.

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  • author
    Ian Carmichael
    3 days ago
    Other than having to wait for 20…

    Other than having to wait for 20 minutes to speak to someone at XE everything else was really smooth. The entire operation of me having dollars in US bank to having pounds in my UK bank took less than 2 hours.

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  • author
    N Murdock
    3 days ago
    Really helpful when I made a mistake…

    Really helpful when I made a mistake and ordered a transfer I didn't want. Sorted it out with no extra charge.

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  • author
    Edward Stoner
    3 days ago
    Excellent rates and quick transfer

    Excellent rates and quick transfer

    ...

  • author
    Jackie Stern
    3 days ago
    Super fast efficient service

    Super fast efficient service. Asked for the transfer to Australia at 12 noon and by 10,30 that evening the funds were received. Have been using them for quite a while and will continue to do so,

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  • author
    Phil
    4 days ago
    Fast

    Fast, clear & easy to use once the account is set up.

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  • author
    Rodney
    4 days ago
    Excellent service fast and efficient

    Excellent service fast and efficient, I have used XE for years and will continue to use their services.

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  • author
    Shaun Quinlan
    4 days ago
    Quick cheap and effective way to…

    Quick cheap and effective way to transfer funds, thanks again XE.

    ...

  • author
    Maurice
    4 days ago
    Quick and efficient as usual except for…

    Quick and efficient as usual except for the new ID system you now have to have to complete to do a transfer. After doing transfers for eleven years from my desktop it was frustrating when suddenly asked to send photos of passport etc. I understand it has to be done but I believe I had done all that when I had registered years ago. Did it on my mobile in the end but it took quite some time. Thank goodness it only has to be done once and I have already done a new transfer from my desktop so happy. Cheers

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  • author
    George
    4 days ago
    The service just gets better

    Fast efficient and reliable service used multiple times and now with added security features

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  • author
    Michael Barnard
    4 days ago
    Fast but maybe not so simple

    Needed to transfer funds from the UK to Australia and had previously used HiFx (which is now Xe) back 5 years ago. The process is quite easy, but you have to jump through some regulatory hoops to ensure fraud is not being committed. That is good in this day and age, however does add some extra work to make the transfer. The process once followed was very quick, with the funds getting to my Au account within a few days and at an exchange rate which was very good.

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  • author
    Lesley
    4 days ago
    Quick and easy transfer

    Quick and easy transfer, only took overnight.

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  • author
    Richard
    4 days ago
    Was a little disappointed to see the…

    Was a little disappointed to see the rate disparity between getting onto the website and the value once logged into XE some $200 difference otherwise a steady process that worked effectively

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  • author
    Mr Shakil
    Nov 30, 2021
    Bad Customer services with delayed…

    Bad Customer services with delayed enquiries tactics etc.

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  • author
    Greg
    Nov 30, 2021
    XE review

    I have used this service many times for UK to Aus transfers. Great rate and money received within 24 hours. I can achieve it faster within my bank but the rate is much worse. Highly recommended.

    ...

  • author
    Brian
    Nov 29, 2021
    Easy to use and efficient.

    Easy to use and efficient.

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  • author
    James
    Nov 29, 2021
    Currency Transfer

    Currency Transfer I missed an account number off transfer details and the payment was returned, XE.com rectified this and re-sent the funds automatically by return. Everything went smoothly.

    ...

  • author
    Marilynn Salski
    Nov 29, 2021
    Don't ever get yourself locked out!!! - won't be happy with the struggle to get back in to your acct !!!

    I've used XE for many trades over the years - all successful and I've been very pleased....BUT - just make sure you never get "locked out"....AND, if it happens to you, like me on a Friday, you won't be getting access to your account again anytime soon!!!! Terrible follow up/service - with NONE on weekends AND just trying to find contact info to access XE directly is a complete hassle - as it is buried deep in their platform. When I finally did find the tel #, called it at my long distance expense - no 1-800#, I might add, waiting forever for a human, finally reaching one who was in the UK, I still have to wait to get unlocked, despite that person verifying who I am...that I'm me - locked out on a Friday from a trade that I needed to make, through no fault of my own and still on Monday at noon my time I'm still locked out unable to get access to my account --- I'm waiting for an email....hours after my human contact this a.m. Basically, don't play back/forth too many times with what you are trying to do. Boy, will I be wary from now on!!!! Also Bank Interac in Canada and Paypal have INSTANT send money access....instead of waiting for days for a $ exchange transaction to complete. XE needs to come into the 21st century both with swift trades and so much better follow up access for their members.

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  • author
    Eve berry
    Nov 29, 2021
    Great company

    We have been using this company for years now to send money to our Spanish bank . Always straight forward easy to use the website and money gets to where its going quickly with no problems .

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  • author
    Juan Pedro
    Nov 29, 2021
    Easy to follow money transfer

    I did a test to see how this works. All along the way by e.mail communication I was told that there were no fees involved however right at the end I was charged a small fee which I paid but I am still not sure why. Everything else went smoothly and I would reccomend.

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  • author
    karen mitchell
    Nov 29, 2021
    Quick easy efficient

    Quick, easy and efficient! Thank you

    ...

  • author
    Charles
    Nov 29, 2021
    Very easy way to transfer money.

    Very easy way to transfer money.

    ...

  • author
    Steve Turner
    Nov 29, 2021
    Really simple and quick to use.

    Really simple and quick to use. I use it for both business and personal transactions.

    ...

  • author
    Austin albert
    Nov 29, 2021
    Easy and comprehensive

    Easy and comprehensive. Definitely recommend.

    ...

  • author
    Ted
    Nov 29, 2021
    Simple and easy to trans

    Simple and easy to trans. stirling to euro's in Cyprus

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  • author
    DS
    Nov 29, 2021
    It is speedy

    It is speedy, cheaper than the banks and it works

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  • author
    Pamela
    Nov 29, 2021
    Excellent and quick service

    Excellent and quick service

    ...

  • author
    Jennifer
    Nov 29, 2021
    Great system

    Great system. I just didn't enjoy the verification process with uploading photos. It was very awkward and muddle. But worth it I suppose.

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  • author
    Frank O
    Nov 29, 2021
    Saving me a lot of money.

    I've used XE in the past for transfer from the UK to the US and the rates were better than everywhere I looked. Now I just set up a business account and started paying invoices to a company based in Europe. The rates I'm getting are over 2% better than my business bank account. This will amount to decent amount over time! Wish I'd done this a couple of years ago.

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  • author
    Martin
    Nov 28, 2021
    Good speedy transfer

    Good speedy transfer

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  • author
    Normand
    Nov 28, 2021
    Easy to make transactions

    Easy to make transactions

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  • author
    Pat James
    Nov 28, 2021
    Slower than usual

    This transfer was much slower than normal; maybe because of the weekend. It took 3 days.Normally we received our transferred funds within 24 hours; an excellent service. I do recommend XE who provide an excellent and efficient service

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  • author
    Rakesh
    Nov 28, 2021
    Disappointed

    Disappointed, because:- 1) The person who spoke to me recently had no patience and was abrupt...poor customer service. 2) Last time I was assured that whenever my exchange contract matures, XE will automatically debit my account with you and will send me the exchanged currency. That didn't happen and I had to struggle to speak to some one, who told me that that policy has changed and I need to get my balance transferred back. If that was so, why was I not informed automatically earlier. 3) There is no email readily available on your web-site even after signing-in to write to you. Thanks Rakesh Shukla

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