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## Deciphering Exchange Rates for Transfers between Schwab and Citi
I saw some posts here about Schwab account holders transferring money through Citi. Does Citi do the conversion from JPY to USD in this case? If so is it their rates that will be used? Or does Schwab have these rates published somewhere?

### Exploring Better Options: Shinsei or Sony for Currency Exchange
Wondering if I’m better off exchanging with Shinsei or Sony, etc… then making the transfer.

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