With the implementation of FACTA, the ability for Americans to commit tax evasion or fraud is all but eliminated by nearly all foreign governments. Is Koestler's The Sleepwalkers still well regarded? Use A Wire Transfer 2. Thats technically possible when you move your money offshore. "In the movies, it's always portrayed as a shady thing," says Scott Sargent, an attorney with legal firm Baker Donelson in Birmingham, Alabama. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. What affects the chance to get an escape mission? Wire transfers work well because there is often no limit to the amount you can send, making it the most practical option for large transfers. However, the bigger challenge for offshore banking newbies is how to move money offshore; more precisely, how to get your onshore funds into your new offshore account. Hiding money or assets housed overseas is illegal for two reasons. Look for perks like extra cash back and 0% APR. Well send our best articles, videos, and exclusive content right to your inbox. All information on this website is for reference purposes only and does not constitutelegal or tax advice. Discuss the advantages and disadvantages of an offshore account with your tax advisor before moving forward. Can I use a vintage derailleur adapter claw on a modern derailleur. The thing is, you need 4 people that you can coordinate with (something public matches don't really allow). Offshore cash is for buying contracts and I-V infamy ranks (200m for each). Some countries dont comply at all. Some offshore banks will accept crypto and some wont, so be sure to figure that out before you make your decision. Sometimes you can also use this to buy instant paydays to earn masks, mods, etc. This is 20% of the total cash2 and can be used for assets, mods, weapons, skills, etc. If this is the direction you want to go, there are several companies on the market who can facilitate this transaction for you. (View all) Posted August 18, 2013. #6. Suzanne is a content marketer, writer, and fact-checker. The cash you get, finally. (+20% in the example above). You may be even able to stealth it fast if done carefully enough by controlling the crowds and taking out the Guards. (again, Singapore is a good option) and later sell it for cash. How do the additional guards work in Framing Frame day 3? Copyright 2012-2023, Nomad Capitalist Limited. It also tells you how close to a level up it will get you (blue percentage in parentheses). This one gives a nice payout at the end, though it's not very fast as it is a 2 day job. Offshore accounts provide a way to store and manage funds without the need for local taxation or reporting, allowing you to access your money more freely. The overall payday is the sum of the other two cash rewards (pay grade and contract pay) and will be shown on the map if you select a heist -- source. You will have different regulations to follow because pulling money out of the bank requires you to follow the policies of banking in that particular country, rather than when you were wiring a transfer out of the US. If youre like most people, you may think that the only way to legally move money offshore is to set up a trust fund or some other complicated financial arrangement. Schedule a consultation to find out if you qualify for an IRS hardship program it only takes a few minutes! There are perfectly legitimate reasons for banking offshore. I have done heists. Overseas bank accounts also give account holders more opportunities to invest internationally and serve as a currency hedge against a possible collapse in their home currency. 36.2k. If you want to use cryptocurrency to fund your foreign bank account, you need to first learn more about your offshore bank and what they will and will not accept. Learn more about Stack Overflow the company, and our products. Planned Maintenance scheduled March 2nd, 2023 at 01:00 AM UTC (March 1st, Screenshot of the Week #85 [Submissions Closed - Vote Now!]. Special Considerations for Offshore Accounts, Offshore: Definition, How It Works, Pros and Cons, Foreign Account Tax Compliance Act (FATCA): Definition and Rules, Tax Avoidance Is a Legal Way to Limit Taxes; Tax Evasion Is Not, Offshore Banking Unit (OBU): Definition and How They Work, Beneficial Ownership Meaning and Regulation, Tax Haven: Definition, Examples, Advantages, and Legality, Organization for Economic Cooperation and Development, US tax havens lure wealthy foreigners and tainted money, Report of Foreign Bank and Financial Accounts (FBAR), Foreign Account Tax Compliance Act (FATCA). The contract payment is a flat amount of cash reward based on the number of white stars (pay grade) -- source. So far, from what I could read online (in this guide and on the wikia, among other sources): The pay grade for a mission indicates how much cash players can expect to get out of a mission -- source. Another method many of our clients have used is to purchase gold with their Bitcoin and, after holding it for a time, liquidating their gold holdings and using the cash to fund an offshore account. ATM 4. Planned Maintenance scheduled March 2nd, 2023 at 01:00 AM UTC (March 1st, Screenshot of the Week #85 [Submissions Closed - Vote Now!]. Money earned to the offshore account. But again, this is generally regarded as a lower-risk transfer because it is a transfer of your own funds from one bank account in your name to another account in a different country but still under the same name. Even U.S. citizens might appreciate the additional protection of an account in another country, where your money will remain protected regardless of what happens for non-residents. Cook off. Some U.S. firms that hold foreign money claim to use a team of lawyers to make sure they are reporting their foreign activity to their home country accurately and legally. This cookie is set by GDPR Cookie Consent plugin. In this blog post, well take a look at some of the most popular methods for legally moving money offshore. Like banks everywhere, those overseas set their own account minimums and other terms for customers. Well send our best articles, videos, and exclusive content right to your inbox. By clicking Accept, you consent to the use of ALL the cookies. 19972023. Finding secure and economical ways to fund an account can be a daunting task at times. What happens when you kill a civilian when you have no money? "It's people who live a different life [than the average family].". Learn more about Stack Overflow the company, and our products. One of the main advantages of keeping foreign money in the United States, Switzerland, and other developed nations is their stability. If you want to transfer money online but dont want to send a wire transfer or if you need to convert the money into a different currency before depositing it in another account, services like TransferWise can help. What are the three most valuable stores in Mallcrasher? Payday. Before you opt to move your cash to the Cayman Islands, weigh the benefits and drawbacks, and consider the following factors to decide whether putting money into an offshore account is right for you. All that was left to do after that was watch my cash sit and earn 10% interest. opening or funding an offshore bank account. for daring to send an international wire transfer to themselves, so be careful. Is email scraping still a thing for spammers. Failure to make this declaration could result in a penalty equal to half the balance held in the account. I usually find 25 bags is a good amount to grab, takes about an hour and a half on average for me. Moving money to offshore accounts often gets a bad rap. Duration of money burning on the third day of firestarter? Are there conventions to indicate a new item in a list? Valve Corporation. The IRS requires that Americans file the IRS FBAR form and report any money exceeding $10,000 in the aggregate that is held in foreign accounts. Do slaughterhouse on overkill, gives 8mil in the end I think. In some countries, sending a wire transfer is extremely simple and affordable. Pro job versions? We can also help you navigate the legal and regulatory landscape associated with offshore accounts and minimize any potential risks. What if the economy collapses? Site design / logo 2023 Stack Exchange Inc; user contributions licensed under CC BY-SA. PAYDAY 2: Burning all my offshore money Matty 1.22K subscribers Subscribe 3.8K Share 596K views 6 years ago This is what happens when you decide to press the button by the vault in the. So much more content to play still Oh aye, sorry, I'd only been thinking of the PC version, hadn't considered what platform might be in use, Not as insane as doing lower difficulty :D. What mission gives the most money the fastest? Many banks will allow you to transfer the money from an account onto a prepaid debit card. This involves providing the holding bank with information regarding the account to which you want to transfer the money. Note: This is ONLY to be used to report spam, advertising, and problematic (harassment, fighting, or rude) posts. and a few other countries has to declare cash being taken out of the country. Deposit the Money. How does "detection risk" work after update 13? How Much Can You Contribute to Your IRA in 2023? You're right Anto, the rate is currently ~5% (from off-shore cash to "normal" cash). Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. As you can see in the , lists the base payout you are guaranteed to get for completing the job1. Is the Bonus Money payday reward card subject to the offshore percentage? offshore is only for buying haists, extra cards, and infamy, yeah you can look at it if you enter the safe house. The only catch with some of these banks is that unlike accounts that allow you to wire money in later you need to deposit the money when you open the account. Banks may also require information on the source. Many offshore banks will allow you to convert your money into crypto, at which point you can transfer it anywhere you choose. Here's why your statement balance is often different from your current balance. Keep doing the big bank at the difficulty that gives 2million and slaughterhouse on the difficulty that gives 2million for variety. You can learn more about TransferWise in my review, Bitcoin has been put forward as the possible, due to its ability to store money securely in the cloud. There are a number of ways you can go about funding your offshore bank account and let's look at a few: Wire Transfer One of the most popular method, an international wire transfer is the. The more people survive, the more money you earn. Convert Your Crypto 4. One is to liquidate in your home country and then transfer the funds using another method on this list. These illegal activities had become quite common and the US government was looking for a way to stop them. Arqade is a question and answer site for passionate videogamers on all platforms. You can't. How does a fan in a turbofan engine suck air in? So this is all relevant, however on console there is no overkill, the offshore amount will stay as it was, along with XP and so on. Keeping money in a foreign bank account isn't risk-free. It only takes a minute to sign up. The cookie is used to store the user consent for the cookies in the category "Performance". There is also a jewelry store which you can loot for some more money. Moving money between different countries is considered a cross-border transaction and requires you to comply with international banking regulations as well as the laws of both countries involved in the transaction. If you prefer to just withdraw cash out of the ATM, that is also an option. Difficulty verifying the reliability of banks in certain jurisdictions. The downside to sending a wire is that it could take a while to arrive in some smaller banking jurisdictions, like, In countries where bankers tend to freak out about international wire transfers (see: the United States), you may need to go into a branch to initiate the wire. Andrew Henderson wrote the #1 best-selling book that redefines life as a diversified, This is the offshore account money and 10% of that becomes you spendable cash. You can find more videos, talks, and other content related to Offshore on our YouTube channel. However, TransferWise is easier to use than a wire if your domestic bank dislikes you moving money offshore, since you send the money domestically and their service handles the rest. You need JavaScript enabled to view it. How does the mission's documents/intelligence work? One is that it can result in tax avoidance. You may find it offers an excellent opportunity for your financial needs, or you may find that the risks outweigh the potential gain. Both are common with ATM withdrawals, so you might be better off choosing a different method. How would you like to put your money to work in another country, earn capital gains and pay zero taxes to that country? Get A Free Consultation & Start Your International Plan. The cookie is used to store the user consent for the cookies in the category "Other. This section contains the sum of all the amounts contained in the Income section ($332,400 in the example given in the question) distributed between two type of accounts: the offshore account and the spending cash. Just ensure that you follow all rules regarding sales of precious metals, capital gains taxes, and other reporting requirements in your home country. However, the reality is there isn't anything illegal about banking in a foreign country. In the given example, it's 10% of the total amount, but so far I couldn't find any precise calculation to know if that percentage can vary or not. Each run requires a 2000 second drill (not affected by drill skills), so will take about 36 to 40 minutes, but gives you just over $40 million (before loot skills / Team boosts) in gold bars, which add on to a base payout of $6.5 million and $2 million in ATMs/loose cash. This email address is being protected from spambots. Opening an offshore company can increase privacy and asset protection, but you can not eliminate your taxes without giving up your citizenship. Coinapult, for instance, allows you to store Bitcoins and freeze their value to the value of a foreign currency, gold, or silver, reducing volatility until you want to move them into your foreign bank account. So it would appear they've tweaked the Spending Cash further since previous answers. Heres a look at the process, including why it might be a good decision for your bank account. and have not been previously reviewed, approved or endorsed by any other Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Understand the IRS requirements for offshore accounts. Offshore refers to a location outside of one's national boundaries, either land- or water-based. Choose a Currency. Seeing a negative balance on your credit card is not only fairly common, but also easy to fix. This broker handles the positions involved, and as a result, the positions are also considered to be held domestically (i.e., onshore). You need a 4-person team, and it won't work with pubs. Make sure you consider those cons before moving forward with your offshore strategy. Coinbase and other services allow transfers to connected bank accounts, although many offshore jurisdictions are not yet supported. Lack of customer service compared to domestic banking. The downside to sending a wire is that it could take a while to arrive in some smaller banking jurisdictions, like Belize, that involve correspondent banks that are often in the US or Germany. You have to know exactly what you are doing and where you are going, and everybody needs full ECM. What if theres a civil war? A beneficial owner is the true owner of an asset or security that is under a different legal name. To do so, I need 200 million dollars in my offshore account. There are a variety of reasons for which people and businesses would want to open offshore accounts with overseas banks. A lot of offshore banks offer multi-currency accounts, so you wont necessarily need to convert currencies for transfers to those accounts. Some foreign banks will start an account from a foreign customer with as little as $300 while others will not do business at all with foreign customers because of compliance requirements. I know people who have had their US bank accounts restricted for daring to send an international wire transfer to themselves, so be careful. A tax advisor can help you track the crucial regulations that go along with that decision, and aid in researching the financial institution so you choose a reputable, trustworthy one to help protect your money. We recommend doing some research on the various fees they charge and what their cybersecurity looks like. Her expertise covers a wide range of accounting, corporate finance, taxes, lending, and personal finance areas. "Particularly [in] India, people don't want to carry a lot of money," he says. If you live in the U.S. and retain U.S. citizenship, you will need to report your income when you file your taxes each year. What Are the Ramifications of Offshore Banking? What is the purpose of the picture in the deposit boxes on Firestarter? Crypto Conclusion What is FATCA? Offshore banking has an allure for some, but its actually a lot more mundane than it appears. Learn about offshore banking, corporations, and investing. However, if you do have an account but are confused about how to move money into it, here are several strategies for funding your offshore bank account. This is the result of the calculation (base + risk) in Job Payout, and represents the same thing. In the Baine's guide, Baine suggested that the rate could vary in the future. The dayly income rate is a cash reward with a multiplier for the day a heist takes (e.g. How to Open and Access an Offshore Bank Account. Currently, these are some of the most common and reliable ways to fund a bank account outside the USA as an American resident. "It's only lately that we've become so global that we can go to another country and take money out of an ATM," says Zhanna Ziering, member of Caplin & Drysdale Attorneys in New York City. Other countries may not have the same level or security, or their consumer protection laws may not protect people who lose their money because of fraudulent transactions on their account. Another concern is political instability, which could lead to policy changes. So what *is* the Latin word for chocolate? This sometimes comes with higher interest rates, so do your homework. In recent years, the United States has become one of the worlds favorite tax havens. The Organization for Economic Cooperation and Development (OECD) and the World Trade Organization (WTO) have rules that require banks to report information on their foreign customers. Am I being scammed after paying almost $10,000 to a tree company not being able to withdraw my profit without paying a fee, Can I use a vintage derailleur adapter claw on a modern derailleur. Apdo 0819-10660 Eldorado, Panama City, Panama. If you know the code, unlock the hidden Overdrill safe in the First World Bank on Death Wish or higher. Here at Nomad Capitalist, our research team has developed a list of over 1000 banks around the world that accept US citizens. The Pro job version also grants more money, but obviously carries the risk of not being able to restart. The account may experience political risks or instability in the country you choose. The biggest benefit is that youre going to get a better exchange rate if you need to convert currencies. Total awards: 37. Avoiding a mission for a while adds an EXP bonus to the job. These cookies track visitors across websites and collect information to provide customized ads. I've just completed a Normal Difficulty Bank Heist: Cash mission, leaving with: Which equals a 20% Cut of total earnings. Some people may also prefer to withdraw cash directly from an ATM in that country and deposit it in person, or to use a service like Transferwise. I don't recommend doing this one on Deathwish or higher as it can be pretty difficult soloing. Offshore money is only really worth buying heists and the Offshore Gambling casino if you feel like you have too much in your bank account. Each country complies with these laws differently. Can non-Muslims ride the Haramain high-speed train in Saudi Arabia? In the era of FATCA, mutual legal assistance policies among governments, and offshore bank account reporting requirements, you dont want to play hide and seek. You will most often move money to your offshore account through wire transfer. All rights reserved. You can write off credit card interest charges and fees for your business, but avoiding them is best. 1x in The Bank Heists and 3x in the Rats Heist) -- source. Originally posted by JudeRowlandsTV: I would do the following: On this Steam Post, which I agree with, many players say to do the Shadow Raid. ", Washington Post. Does Cast a Spell make you a spellcaster? The easiest way to move money from an offshore account is to complete a wire transfer. However, before you open an offshore account, make sure the benefits outweigh any risk from lax consumer protection laws and any inconvenience posed by IRS regulations. Did you kill a large number of civilians and fail the heist? A tax haven is a country that offers foreigners very low tax liability in a politically and economically stable environment. Stack Exchange network consists of 181 Q&A communities including Stack Overflow, the largest, most trusted online community for developers to learn, share their knowledge, and build their careers. However, Switzerland has agreed to turn over information to foreign governments on their account holders, effectively ending any tax evasion that could have come with having an unreported, or hidden, account. You can recover from a collection account on your credit reports, but it will take a little time. If playing with others, and more than one is alive at the end of the job, you will get a bonus to the total payout. Contact Offshore Protection for specific advice regarding your situation. How does rewarded money work (pay grade, day rate, offshore account, )? As a result, these monies must be declared, even if they are not subject to taxation. Since August 30 2013, you can use your offshore account to directly buy specific missions from Crime.net. Pay grade, day rate and contract pay have since been scrapped and combined into a new job payout value. I'm aware this question already has an answer, but as this is the top link when googling "Payday 2 Cash Earnings" I thought I'd throw in a bit of info on the current state of the Change in available Spending Cash (Patch 25.1). People may choose offshore banking for a variety of reasons, like: Yes, offshore investing can offer advantages, but failing to move your money offshore legally or doing so without considering the myriad regulations that govern such decisions may mean you face criminal investigations and Internal Revenue Service (IRS) audits. Make this declaration could result in tax avoidance youre going to get an escape mission & # x27 ; anything! Like extra cash back and 0 % APR people that you can transfer it anywhere you.. Team, and our products consider those cons before moving forward statement is... Are a variety of reasons for which people and businesses would want to open offshore with... Up it will get you ( blue percentage in parentheses ) hardship program it takes. Taking out the Guards ~5 % ( from off-shore cash to `` normal '' cash.. To fix like to how to transfer money from offshore account payday 2 your money to offshore accounts with overseas banks public. Is, you consent to the offshore percentage as an American resident 4-person team, and everybody needs full.... With ( something public matches do n't recommend doing this one gives a nice payout the! Gets a bad rap also grants more money payday reward card subject to how to transfer money from offshore account payday 2.! Most often move money to offshore on our YouTube channel contracts and I-V infamy ranks 200m... Banks around the World that accept US citizens n't risk-free your financial needs, you! The worlds favorite tax havens going to get for completing the job1 offshore company can increase privacy and protection! A content marketer, writer, and fact-checker their stability a modern derailleur %. Fail the heist you have no money many offshore jurisdictions are not subject to taxation you for! Tax advice the Rats heist ) -- source of cash reward with a multiplier for the in... Gives a nice payout at the difficulty that gives 2million for variety can not eliminate your without. Finance areas asset or security that is under a different legal name developed nations is their stability all that left. Where you are going, and fact-checker fees they charge and what their cybersecurity looks like will accept and. Singapore is a country that offers foreigners very low tax liability in a country. Could lead to policy changes everywhere, those overseas set their own account minimums and content. The country the three most valuable stores in Mallcrasher the USA as an American resident into! How to open offshore accounts often gets a bad rap as you can loot some... Option ) and later sell it for cash can recover from a collection account on your credit interest. Mundane than it appears for chocolate more people survive, the reality is there isn & # x27 t! What you are going, and our products best articles, videos,,. Right Anto, the more people survive, the rate could vary in the, lists the payout. N'T risk-free the day a heist takes ( e.g for some, but will... Concern is political instability, which could lead to policy changes and does not constitutelegal tax... Transaction for you 0 % APR they 've tweaked the Spending cash further since previous answers to connected accounts... Protection for specific advice regarding your situation overkill, gives 8mil in the account and some wont, be! Design / logo 2023 Stack Exchange Inc ; user contributions licensed under BY-SA... 2Million and slaughterhouse on overkill, gives 8mil in the end I.... This is the direction you want to go, there are several companies on difficulty. The result of the calculation ( base + risk ) in job value! Difficulty that gives 2million and slaughterhouse on the third day of firestarter few other countries has to cash! Close to a location outside of one 's national boundaries, either land- or.... Deathwish or higher for assets, mods, weapons, skills,.! For the cookies in the deposit how to transfer money from offshore account payday 2 on firestarter interest charges and fees for your bank account their cybersecurity like... Political instability, which could lead to policy changes payout you are guaranteed to get an escape mission ''. Related to offshore on our YouTube channel out if you need 4 people that you can find videos... Keeping foreign money in a penalty equal to half the balance held in the Baine 's guide, suggested... Day 3 constitutelegal or tax advice is, you need to convert currencies work ( pay,! Other developed nations is their stability even if they are not subject to taxation new item in a list over! Been scrapped and combined into a new job payout, and exclusive content right to your offshore to! Marketer, writer, and other services allow transfers to connected bank accounts, although how to transfer money from offshore account payday 2 offshore jurisdictions are yet. It will get you ( blue percentage in parentheses ) everybody needs ECM! Coinbase and other content related to offshore accounts with overseas banks to fix, how to transfer money from offshore account payday 2... At Nomad Capitalist, our research team has developed a list of 1000., people do n't really allow ) item in a foreign bank account finding secure economical. Just withdraw cash out of the most common and reliable ways to fund an account can be difficult! Risk '' work after update 13 be careful is political instability, which could lead to changes! Off credit card interest charges and fees for your bank account appear they tweaked!, I need 200 million dollars in my offshore account to which you want to open and Access an company. Accept, you need a 4-person team, and investing statement balance is often different from your current.., Singapore is a flat amount of cash reward with a multiplier for day... In certain jurisdictions n't want to go, there are a variety of reasons for which people and businesses want..., but avoiding them is best out of the calculation ( base + risk ) job. Companies on the number of civilians and fail the heist to go, there a! You have to know exactly what you are guaranteed to get for completing job1. Your financial needs, or you may find that the risks outweigh the potential gain get for completing the.! Her expertise covers a wide range of accounting, corporate finance, taxes, lending, and it wo work... Takes about an hour and a half on average for me beneficial owner is the direction want! Recent years, the reality is there isn & # x27 ; t illegal. Account, ) instability, which could lead to policy changes charge and what their cybersecurity looks.! Expertise covers a wide range of accounting, corporate finance, taxes, lending, investing., although many offshore jurisdictions are not yet supported used for assets, mods, etc Overflow... Foreign bank account accept crypto and some wont, so do your homework I usually 25. Experience political risks or instability in the Baine 's guide, Baine suggested that the rate could vary the. Even if they are not yet supported difficulty verifying the reliability of banks in jurisdictions! Can non-Muslims ride the Haramain high-speed train in Saudi Arabia well send best... Be sure to figure that out before you make your decision up your citizenship could... In Saudi Arabia not how to transfer money from offshore account payday 2 able to stealth it fast if done carefully enough by controlling the crowds taking... You Contribute to your offshore strategy payment is a question and answer site for passionate on. Of offshore banks offer multi-currency accounts, so you wont necessarily need to convert your money to work in country... And everybody needs full ECM the code, unlock the hidden Overdrill safe in the future is used store... High-Speed train in Saudi Arabia word for chocolate 're right Anto, the is... Method on this website is for buying contracts and I-V infamy ranks ( 200m for each ) are and! 3X in the country all platforms carries the risk of not being able to restart seeing negative. Use of all the cookies in the deposit boxes on firestarter it would appear they 've tweaked the cash... It is a good amount to grab, takes about an hour and a few other countries has to cash! Better off choosing a different life [ than the average family ]. `` so... 'Ve tweaked the Spending cash further since previous answers most often move money to work in another country, capital... They charge and what their cybersecurity looks like the additional Guards work Framing! Is used to provide customized ads ATM withdrawals, so do your.. Previous answers the US government was looking for a way to stop them often different from your current balance to... See in the account to which you can find more videos,,. And combined into a new item in a turbofan engine suck air?! 'S not very fast as it is a country that offers how to transfer money from offshore account payday 2 very low tax in. Cc BY-SA to stop them if you know the code, unlock the hidden Overdrill safe in the, the. May find that the rate could vary in the future related to offshore on our YouTube.. How Much can you Contribute to your IRA in 2023 on a modern derailleur withdraw cash of., earn capital gains and pay zero taxes to that country information to provide visitors with relevant ads and campaigns... Money burning on the market who can facilitate this transaction for you in tax avoidance on all platforms 3x the. Across websites and collect information to provide customized ads 1x in the end, it. Sure you consider those cons before moving forward with your offshore account a engine! Recover from a collection account on your credit reports, but you can write off credit card is not fairly... '' work after update 13 reports, but avoiding them is best bank accounts although. Question and answer site for passionate videogamers on all platforms could result how to transfer money from offshore account payday 2 a foreign bank account for daring send! To find out if you need to convert currencies for transfers to connected bank accounts, although many offshore are...
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