Click Transfer in the left menu, then New transfer.

Step 1 Payer: choose whether you pay from your own account or on behalf of a sub-account.

Step 2 Recipient: search your saved recipients by name, bank or account number and select one, or click Add recipient.

Step 3 Amount: enter the amount and currency. The fee and the amount the recipient gets are shown on the right.

Step 4 Details: purpose of payment and, where required, reference or invoice details.

Step 5 Review: check everything and confirm. Track the transfer afterwards in the Transfer list (status Pending, Completed or Failed).

Click Transfer → Recipients to see every saved recipient with type, payment method, currency, bank country and status.

Click Add recipient. Step 1: choose the recipient type (Business or Individual), the bank country, the account currency and the payment method offered for that combination (SWIFT or local transfer).

Step 2: enter the bank details and save. New recipients are verified before the first payment.

Click Conversions in the left menu, then New conversion.

Step 1 Amount: choose the currency you sell and the currency you buy, and enter the amount. The live rate updates every 30 seconds and is locked when you proceed.

Step 2 Review: check the rate, the amount you receive and the settlement date, then click Confirm conversion. The conversion cannot be reversed after confirmation.

Completed conversions are listed on the Conversions page with their status and rate.