Identify each currency
Record the funding currency, account currency and withdrawal currency. If conversion happens twice, two spreads may apply. A balance displayed in dollars also needs a clear currency code: AUD, USD and CAD are not interchangeable.
Ask which rate applies
The contract may refer to a processor's rate, a daily reference rate or the rate when a payment is processed. These are different rules. A later exchange-rate change can alter an amount without changing the original promotional percentage.
Compare like with like
Keep the original amount beside a converted illustration and give the date and rate used. Do not present a converted headline as an exact future entitlement. The actual payment policy takes precedence over a calculation made for an article.
Quick checklist
- Funding currency
- Settlement currency
- Rate source and time
- Withdrawal currency
Sources & scope
Primary documents are linked below. Operator statements and independently checked records are different kinds of evidence.
Source review: 5 November 2026. Links can change. No transaction or customer-support test is implied.
About this explanation
Numerical examples are hypothetical unless a source is expressly identified. This page does not recommend an operator or promise an outcome. The UK regulator references explain technical terms; they are not Australian legal guidance.
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