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The fees they charge you when you exchange money are hidden. So let’s say you are moving countries and you sold your house in one country and bought in another.

The rate the banks pay when exchanging money is called the “inter-bank” rate.

This is the rate the banks pay when they are trading with each other (usually a few million dollars per trade). The banks make a margin on top of this, and give you their exchange rate with the fee included.

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