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It's important to know that Xapo does not charge any fee to transfer funds internally between wallets held in different currencies! There is only the exchange rate between the currencies. For example, if you're transferring EUR to your USD wallet, you will see what the current exchange rate between the two currencies is underneath the amount that you state you'd like to transfer:



Therefore, Xapo charges no fee when transferring funds from one currency to another - there is just the exchange rate between the two currencies!