Our business is to efficiently transfer money from client to beneficiary. Special rates are applied and will be shown when you are shown the transactional rates. This fee may vary and OFX receives no portion of it. I have nothing ozforrex positive comments on OFX. I transfer money from the US to NZ occasionally and I have had nothing but success with this company. They are efficient in every way - I cannot believe how much money it saved us transferring through OFX in comparison to going through a bank.