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You acknowledge that the amount of any Advance Payments requested will be determined by us in our discretion and that we may request an Advance Payment even if we have entered into a credit limit arrangement with you. Free online currency conversion for over 50 currencies. Therefore, we always reserve the right to refuse to accept your Instructions and to do so without giving you any reasons and without incurring any liability to you for any resultant loss or damages incurred by you or any other party. You also agree to indemnify us for any fees, costs, duties and taxes charged by third parties, including fees charged by your beneficiary bank, whether or not those fees or charges were notified to you in advance.

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Advance Payment means a payment of part of the sum that is due us on the Maturity Date. Agent Appointment Form means a form that we will give you to enable you to appoint somebody else to transact with us on your behalf.

Auto-Confirm Transaction means a Transaction that has been booked online and has been processed by us automatically with no telephone call or other communication being entered into.

Close Out means reversing a Transaction in the circumstances set out in paragraph 9 or otherwise pursuant to this Agreement. Forward Contract means a foreign exchange contract under which we agree to exchange money at an agreed exchange rate and at an agreed time which is between 48 hours and 12 months from the time of the contract being entered into.

Maturity Date means, in relation to a Forward Contract, the date on which the currency exchange is to be made by the Company and includes any agreed variation to the original date, being either an earlier or a later date. Order means a limit order pursuant to which you may instruct us enter into a Transaction only when a Target Rate has been reached. Order Confirmation means the notification we send you confirming the details of the Order you have entered into with us.

Rate means the foreign currency exchange rate that we quote you for a Transaction. Spot Contract means a foreign exchange contract under which we agree to exchange money at an agreed rate within 48 hours of the contract being entered into.

Transaction means a Spot Contract, a Forward Contract or an Order, and shall be taken to refer to a series of transactions pursuant to standing instructions given by you. Websites means any websites owned by us including but not limited to www. The specific transactional details of each Transaction, including the currencies to be exchanged and the amount of the transaction, will be agreed separately when you book the Transactions; they will constitute separate agreements in their own right, but will incorporate these terms and conditions.

When you enter into a Transaction, you must deliver to us the full amount of the funds you are transferring on or before the Delivery Date. You must be the owner of any funds that are the subject of a Transaction. An Authorised Signatory may have unlimited authority to give us Instructions on your behalf or you may specify the stages of a Transaction they are authorised to undertake. If you wish to change the Authorised Signatories, you may do so by completing a Change of Authorised Signatory Form or otherwise notifying us in writing.

We will accept any Instructions received pursuant to the use of the username and password without checking the identity of the user or their level of authorisation and you will at all times be bound by those Instructions.

We will provide you with confirmation of the Transaction Details on the screen at the time you book the Transaction, but we will not provide you with any subsequent confirmation of any kind, unless you request it. If we cannot contact you by telephone on the number you have given to us within 15 minutes of your booking, we reserve the right to cancel the booking and not enter into the Transaction. You acknowledge that, if you choose to book a Transaction by email, it may not be processed immediately.

After the telephone call, we will send you a Deal Confirmation. If you do not receive the Deal Confirmation, the Transaction is still legally binding and will be evidenced by the transcript of the telephone conversation in which it was booked. We may request an Advance Payment both at the time you book the Forward Contract and at any time prior to the Maturity Date. You acknowledge that the amount of any Advance Payments requested will be determined by us in our discretion and that we may request an Advance Payment even if we have entered into a credit limit arrangement with you.

If we agree, you acknowledge that the Rate will be adjusted to account for the timing of the new Delivery Date. If we have not received the funds by the Maturity Date or any agreed change to the Maturity Date , we reserve the right to Close Out the Transaction in accordance with paragraph 9.

If the amount we are seeking to recover exceeds the amount of refund owed to you, you agree to pay the balance within 7 days of being notified by us of the total amount due. This includes any legal costs, on a solicitor and own client basis, that we may incur in order to enforce our rights or recover any amounts you owe us.

You agree that the terms of the privacy policy as provided to you and as may be amended from time to time form part of this Agreement. In addition to the terms set out in such privacy policy, the other provisions of this paragraph 14 apply to Personal Information. You must tell us if any details change as soon as practicable. We do not accept faxed correspondence. Proof of posting will be proof of receipt; in the case of email on the day of dispatch, in the case of delivery by post 48 hours from the date of posting.

Documents shall be sent by us to you to the last known postal address or email address or fax number you have given to us. Authorise means authorise the stage of a Transaction when we transmit your funds from our account to your nominated beneficiary account.

Authorised Representative means an individual who is a director or officer authorised to execute this Agreement or an Authorised Signatory. Authorised Signatory means an individual appointed and authorised by you to provide Instructions to us on your behalf. Beneficiary Account means the account to which you are sending your funds.

Booking means booking a Transaction by providing us with all of the relevant Transaction details. Deal Confirmation means a written communication, however described, provided by us confirming the details of any Transaction that you have booked by telephone, email or online, which shall be an error correction mechanism only.

Delivery Date means the date on which we have requested that you deliver your funds to our account for transmission. Dual Verification means verification of different stages of a transaction by different individuals.

Expiry Date means the date on which an Option must be Exercised, failing which it will expire. Instructions means a request made by you to enter into a Transaction and shall be taken to include any information, communications or documents incidental to or relating to a Transaction whether we process the Transaction or not. Maturity Date means, in relation to a Forward Contract, the date on which the currency exchange is to be made by us and includes any agreed variation to the original date, being either an earlier or a later date.

Option or Option Agreement means an agreement pursuant to which you have the right but not the obligation to enter into a specified foreign currency transaction on the Expiry Date. Option Agreement Confirmation means the written notification that we send you after you enter into an Option Agreement confirming the details of the agreement we have reached by telephone.

Payment means payment by you to us of funds for transmission. Premium means the fee non-refundable fee payable under the Option Agreement. View Deals means viewing all pending and completed transactions on our website. You are using Internet Explorer 10 and you are going to be redirected to a page that does not support Internet Explorer You will need to change you browser's compatibility mode as per the following link. You can access the Financial Service Providers register at www.

Home Our Services Money Transfers Send money overseas at competitive rates and low or no fees at all. Limit Orders Nominate a desired exchange rate and let us monitor the market for you. Regular Payments Regular overseas payments with no transfer or establishment fees. Global Payment Solutions Integrated and tailored solutions for your business. Mobile App Book and track your international money transfers all from the palm of your hand! Currency Converter Free online currency conversion for over 50 currencies.

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The post-financial crisis and massive central bank stimulus that followed in developed nations has led to some of the lowest bond yields in history.

In a move to find higher returns, cash has moved abroad into economies that offer higher yielding assets. Countries such as New Zealand have benefitted during these times, but with the Fed's move to scale back asset purchases in combination with slower growth in China, the four year trend may be showing signs of fundamental weakness. British Pound Q4 Forecast: Paul Robinson Market Analyst. But don't just read our analysis - put it to the rest.

Your forecast comes with a free demo account from our provider, IG, so you can try out trading with zero risk. Read our Privacy Policy. Market News Track currency trends and access our expert daily and weekly market analyses.

Currency Chart Get access to our expert market analyses and discover how your currency has been tracking with our exchange rate charts. Period 24 hrs 1 week 1 month 1 year 5 years All time 24 hrs 1 week 1 month 1 year 5 years All time. Want a particular rate? We'll let you know when your target rate is reached.