Discover what makes them different and why it's important. But as we have shown, they are quite different and for some CurrencyFair will be the winner. Overall, Transferwise supports 50 currencies for local and international transfers. For more information, see my disclosures here. We strive to ensure our content is clear and honest. Unfortunately, neither TransferWise nor CurrencyFair accepts cash or check. CurrencyFair keep fees low with its P2P (peer to peer) platform giving unrivalled control over the exchange rate while TransferWise is a leader in transparency on fees and excellent service online. You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances. But while their email response time is pretty fast (2 hours on average), their customer support team can be hard to reach by phone (you may have to wait for up to 12 hours for a call back). The bottom line on transferring money internationally: In my opinion, Currencyfair’s the best option for sure if you want to transfer more than 1000AU$ (or similar amount in any other currency). Beide richten sich an private und gewerbliche Kunden, für sie führen sie Überweisungen 5 – 7 Mal günstiger aus als herkömmliche Banken. Both services compare favorably to other money transfer options. TransferWise vs Revolut, CurrencyFair a Curve, srovnání portálů Posted on 26.3.2018 by Lukáš / 11 komentářů (Poslední aktualizace 26.3. But neither is a substitute for the other. TransferWise supports card-to-bank transfers for a number of currencies, including USD, GBP, EUR, AUD, NZD, CAD, SGD, etc. As a regulated financial services provider, CurrencyFair needs to audit transfers for compliance and to prevent theft, fraud, and money laundering activities. It really depends on where you’re from and which currency you want to exchange. Overall, you’ll lose less on fees and exchange rates than with other services like banks. CurrencyFair has a fixed fee of three euros per transfer, or a similar amount if you are transferring using a different currency. Finally, we can also take a look at actual user reviews for both companies. TransferWise also has local bank accounts in all the areas it services. If you’re looking for currency transfers between popular corridors, need international bank details in major currencies, and perhaps think a prepaid MasterCard is a great add on, TransferWise is a fantastic choice. WesternUnion is the original great who has evolved and TransferWise is the much younger and potentially much better service. Currency conversion takes anywhere from a few hours to two days, and it takes a few business days for the money to be sent to your recipient. Transfer delays can be avoided by understanding how long TransferWise actually takes to transfer your money, depending on the funding method or target currency. You can also get the first 10 transfers free. Western Union and Revolut are two of the biggest companies in the online money transfer market, and they have a number of similarities and differences. On the other hand, CurrencyFair offers transfers to more countries and potentially gives you a better rate than the mid-market rate. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. However, if quick access to cash is needed (as an expat or while travelling or send money to family), check out WorldRemit (review). CurrencyFair supports more countries for international transfers, including registrations from and transfers to island countries (Anguilla, Aruba, Greenland, etc.). TransferWise is known for their transparent rates and affordable transfers at the inter-bank rate. Learn more about the Crypto.com platform in our complete review. finder.com is a financial comparison and information service, not a bank or Plus, they have bank details in all the supported countries, which means you’ll never face unexpected deductions (either for transferring money from your bank account to TransferWise or when your recipient gets the amount transferred to theirs). As an alternative to TransferWise, comparing a transfer of €2 500 we can see this exchanges to £2, 136.75 with CurrencyFair including our €3 fee to transfer our Euros and £2 131.80 with TransferWise to convert €2, 4179.13 including their fee of €20.87. können diese kostenlos durchführen. Compare TransferWise and see exactly what you will pay using their widget. (See fees). That said, your transfers are processed quicker on both services if you fund it with a card (card-to-bank). 1: převod 1000 EUR do zahraničí. SEPA vs. TransferWise vs. CurrencyFair – srovnání. CurrencyFair keep fees low with its P2P (peer to peer) platform giving unrivalled control over the exchange rate while TransferWise is a leader in transparency on fees and excellent service online. We may also receive payment if you click on certain links posted on our site. Sowohl TransferWise als auch CurrencyFair sind Online-Dienstleister, die eine deutliche Kostenreduzierung für Auslandsüberweisungen versprechen. They also have helpful guides on their website. Our top picks are our selection of the best money transfer services, based on our extensive research and market experience. 402709). In…, 8 Things You Must Know – Only One Winner TransferWise and XE are trailblazers for international money transfers. Bei den Finanzdienstleistern erfolgen die Guts… While most money transfer companies are happy providing a much better service that is just a fraction of the cost, CurrencyFair takes the world one step further to money nirvana. TransferWise offers a lot more flexibility for funding your transfers, including debit and credit card support for most countries as well as some location-specific funding methods. TransferWise on the other hand guarantees the transaction rates they offer, and so while they might be just slightly more expensive your money can stay in your bank account until you have the transaction locked in. Estimated arrival of funds will be the following day. Check out the full list of supported currencies here. Above $7000 USD we recommend OFX (review) because of their international customer support network and fee structure which diminishes as amounts increase. While TransferWise offers a slightly stronger exchange rate, you’ll pay almost $8.50 more in transfer fees and could wait up to two extra days. TransferWise works similarly to CurrencyFair. Compared to most banks, TransferWise and CurrencyFair are excellent options to transfer money. You can fund your transfers on TransferWise with: CurrencyFair’s customer service team can be reached via live chat, email, or phone. TransferWise offers excellent support to their users via phone, email, and live chat (depends on their workload). WesternUnion and TransferWise are money transfer heavyweights. Here’s what a transfer would like with TransferWise and CurrencyFair. With TransferWise, enter how much money you want to transfer, and then send your funds to TransferWise. Speed: TransferWise is faster on most transfers. Complicated transfer processes can be significantly off-putting, and TransferWise … Because CurrencyFair is a marketplace that matches users, your exchange rate will vary. Pro legraci budu porovnávat SEPA platbu 2 různých bank. Plus, with TransferWise Borderless, you get international bank details in major currencies like USD, GBP, EUR, AUD, NZD, and CAD. TransferWise also has some distinct value add with its offers a multi-currency wallet, prepaid Mastercard debit card and optional Borderless account (review). Optional, only if you want us to follow up with you. On average, customers at the moment pay around 0.38%, Private individual – $49,999 per day and $199,999 per year, Bank transfer or debit cards (Irish cards only). That’s a great deal compared to most other money transfer services, though you should still keep an eye on the site’s percentage fee. The Big Differences. Data on CurrencyFair website(s) (including pricing data) is protected by database rights. Transfast Vs TransferWise (Compare Transfast and TransferWise) Compare Transfast and TransferWise to find the best money transfer services. In the next…, Best and Most Trustworthy and Why Money transfer giants Western Union, MoneyGram and Ria are leaders in international transfers. 1) Safety – CurrencyFair Vs TransferWise Being financial institutions, they are regulated by the Financial Conduct Authority (TransferWise) and the Central Bank of Ireland (CurrencyFair). But they do have a well-distributed footprint in Asia, Africa and South Americas and support registrations from the US. This isn’t even to mention the major (and minor) banks that offer international trade services (or other financial institutions). There was a time when international money transfers were outrageously expensive, but rules changed once Transferwise joined the game. Check Transfast and TransferWise money transfer service to send money online. TransferWise could technically take longer to transfer money, but more often you can expect it to take as long as CurrencyFair. Either way, you save a bunch but using the P2P marketplace to essentially swap money safely with others. CurrencyFair and TransferWise offer differing products, features and currencies depending on if you are a personal or business customer. No. That’s why TransferWise is the clear winner here, especially if you count the extra flexibility of the Borderless account. Alternative Hidden Conversion Fee* Benefits compared with TransferWise; CurrencyFair*: 0-0.5%: They have a marketplace that allows you to trade directly with other participants so the overall fee can be lower than other options especially for large amounts Say you’re a business owner who needs to buy a few things from a supplier in Florence. Updated on 30.07.2020. Check with your bank to see what transfer fees you might pay. Transferwise on the other hand, based on today’s currency exchange will send 526 Ghanaian Cedis to your recipient from the $100 you send. How to choose between Transferwise vs WorldFirst. Paysend offers transfers to more than 70 countries through its app and online service. How do we pick the top money transfer services? New York, NY, 10016. TransferWise is focused on transfers through their excellent online platform with telephone support for troubleshooting. TransferWise converts at the stellar mid-market rate, but you could theoretically get the mid-market rate or better at CurrencyFair. Manage your international finances with free transfers to HSBC customers. Also getting the first 10 transfers free will makes them hard to resist a trial run at the very least. Two innovative companies which are constantly getting market-share and offer tremendous rates. So if your recipient has a bank account, you can’t go wrong with either service. But here’s the thing: WorldRemit and Remitly despite the similarities are clearly better than the other in the eight all important categories…, Best – Most Trustworthy and Why Revolut and N26 are taking the world by storm and for very good reason. TransferWise lets you set up international transfers in 20 currencies and local transfers in 30 currencies. For the global traveller, the Borderless account with its travel debit card and unique banking details in multiple currencies can be of great benefit. Best way to transfer AUD to USD 2021 - Transferwise vs. OFX vs. vs. PayPal vs. Banks. However they are very different. This gives a slight edge to CurrencyFair. But speed often does come at a cost. TransferWise doesn’t support as many receiving countries. The mid-market rate between currencies will fluctuate based on how they’re traded around the world. Transferwise is better for smaller amounts under 500$ cause it charges a % fee of the amount you are transferring. Your recipient’s bank may also charge fees for receiving money. There may be. Though the firm is still young and developing, CurrencyFair is one of a few genuine Peer to Peer currency exchange companies , where transparency plays a huge factor, and savings are demonstrated across the board. On the other hand, CurrencyFair provides a unique option with extremely low fees. If you have an Irish debit card, your transfer could be completed in as little as one business day. Trustpilot is generally the place that has the most high-quality reviews for such services. This gives you a bit more flexibility to hold, transfer, and receive money like a local providing international bank details in major currencies such as USD, CAD, GBP, EUR, AUD, and NZD. CurrencyFair lets you send money in two ways – by matching your exchange rate with another user in the P2P market place or sending it directly if you don’t want to wait. For online-only services like these two, this can make a huge difference. They also have an extensive, Fundamentally differ in the way they move money, which will suit different needs better, Both excellent for smaller transfers, but we recommend others for larger transfers, Licensed and registered service under the European Communities (Payments Services) Regulations 2009 (Eur) through, Available in 62 countries and supports transfers to 153 countries, Two ways of sending money – P2P transfers and bank-to-bank, P2P transfers can get you exchange rates below the mid-market rate, making your transfer very affordable (See, Extremely competitive fees for sending small amounts, Available in 59 countries and supports transfers to 60+ countries (available in the US), Affordable transfers at the mid-market rate (See, Transparent fees with no margin on the exchange rate, Bank details in all supported countries to keep transfer costs low, Can fund transfers with credit and debit cards in most countries, MasterCard prepaid debit card (free ATM withdrawals up to $200 and available in UK, USA, Europe, Australia and New Zealand), No cash pick up or mobile wallet transfers, No local banks in New Zealand and Canada which may attract additional fees (See. For smaller amounts these fees can be significant. CurrencyFair supports 21 currencies for local and international transfers and 17 currencies for receiving money. While we receive compensation when you click links to partners, they do not influence our content. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. Usend combines money transfers, bill pay and mobile phone reloading. Typically, you’ll pay between 0.4-1% of the transfer amount, which is extremely competitive compared to banks (who charge 3-5% of a transfer). CurrencyFair charges fees in a similar way to TransferWise – a percentage of the transaction, as well as a small flat fee. The best international bank accounts for digital nomads, travelers & expats. Finder.com is an independent comparison platform and Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. It’ll take one to two business days for CurrencyFair to convert the money and send it to your recipient. Nov 14, 2018 - by Caroline Sieg. Overall, CurrencyFair supports 38 currencies for sending and receiving money. Hope this helps! Transferwise – review of the best service for sending money abroad safely and almost for free. In 5 minutes or less – you should get the goods on why each could be best for you or why…, 8 Must Knows Before You Sign Up Summary Xoom can be useful for smaller transfers ($1000 USD and below) especially where cash is needed. When you look at Transferwise vs Currencyfair you will notice many similarities. Fees would depend on the method of sending the money. TransferWise’s fees depend on the amount, how you fund your transfer, and the target currency. CurrencyFair is usually the most affordable option in most cases. TransferWise also guarantees the exchange rate while you send money to them. Besondere Angebote gibt es für Neukunden, sie erhalten für die erste(n) Transaktionen Rabatt bzw. Each has their strengths, but which one is the best for you will ultimately depend on what your needs are. Side Note: There’s also a strong connection between Betfair and Transferwise, as David Yu is an early investor in Transferwise. User Reviews – TransferWise vs Revolut. No. Use Transferwise if you need to send a low amount of $10,000 or less. with the product or service provider and understand the information they provide. There’s no fee to send money to CurrencyFair. Cut costs by sending, receiving and holding seven major currencies in a single bank account. Location-specific methods like SOFORT, iDEAL, etc. CurrencyFair only offers debit card payments from Irish cards. It can take up to four days to send money to TransferWise, depending on which method you use. With this, TransferWise will convert the money and send it to the receiver's bank account. Their fees depend on the transfer method and they charge a % of the amount + a fixed fee (usually €3 or equivalent). However, they’re not available in the US. To send US100 to a bank account in Ghana: For example, TransferWise offers credit and debit card payments for more currencies. If speed is a priority neither TransferWise or CurrencyFair offer instant transfers like WesternUnion or WorldRemit (review) can. It’s easy to transfer money through TransferWise and CurrencyFair, and the process is pretty similar for both services. Most important, they charge low fees and offer favorable exchange rates — two big factors that will determine how much you’ll save on your transfer. Enter your transfer details to compare services. Check out our full review of CurrencyFair here. But if you can wait, swapping with a peer can often get you an incredible exchange rate (near the interbank rate) and lower transfer fees (0.25% or 0.3%, depending on the currency pair). They make managing you money fun (and smart) again! CurrencyFair. It ultimately comes down to your unique long-term and short-term needs. Both TransferWise and CurrencyFair are excellent choices, but in general, CurrencyFair is better if you exchange with one of their customers at a below mid-market rate. Pairing international calls with money transfers makes Boxypay a unique choice. However, they are not available in the US yet, which can be a major drawback for some users. Is the mid-market rate between two currencies always the same? Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Here’s how transfer speed looks like on CurrencyFair: Here’s how transfer speed looks like on TransferWise: On paper there’s very little difference between the transfer speeds of both the services, but here’s why we’ve picked TransferWise. Otherwise, TransferWise is a generally better deal. How cheap are TransferWise and CurrencyFair compared to other money transfer options? On CurrencyFair, you can fund your transfers with: After you fund your transfer, you can either opt for a P2P transfer or CurrencyFair can step in and send it directly to your recipient’s bank account. The 3% who had a “Bad” experience reported transfer delays and frozen accounts as the top causes of dissatisfaction. Aktuální kurz je přibližně 27,02. a) Česká Spořitelna poplatek za SEPU – 1% (min. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software. Frozen accounts, on the other hand, are those that are under review by TransferWise (also a regulated financial services provider). You can save on interest — but probably not enough to justify paying a $49 annual fee. Simplicity. TransferWise will convert the currency and send it to your recipient’s bank account. The percentage, on the other hand, ranges from 0.25–0.6% of the transfer. They have a good presence in almost all continents and are available in the US. TransferWise charges a 1% fee to exchange currency. Though a money transfer service might not charge for bank transfers, your bank may charge you for sending in your money. So far we have written 500 words on this comparison piece and still, there is no definite answer. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Their strengths include easy and low-cost money transfer to pretty much anywhere in the world. They’re both app-based money management platforms that give you smart control over your budget, foreign transactions, and currency transfers minus the banks typical exorbitant fees. CurrencyFair Ltd is a Corporate Authorised Representative (No.419450) of CurrencyFair Australia Pty Ltd, regulated in Australia by ASIC (AFS License No. TransferWise was established in 2011, and CurrencyFair in 2009. Transfer fee - Transferring out of CurrencyFair can cost €3 (currency equivalent). TransferWise seems to have nailed keep customer service high with costs low. (Check out TransferWise’s pricing page for details on fees.). 2019) – … CurrencyFair and TransferWise both offer competitive exchange rates to the users which is significantly better than big banks. Your recipient’s bank might also charge receiving fees. To ensure you have the most up to date information, you should verify relevant information Or is it? Transferwise vs CurrencyFair. Sep 5, 2019 - by François Briod. TransferWise and CurrencyFair are very similar, and each edges out the other in a few respects. For this, I am going to use Trustpilot as a reference (in January 2020). Find the Cheapest Way to Send Money Abroad. Usually the % fees are higher when CurrencyFair steps in to complete the transfer (0.4% to 0.6% of the amount exchanged, depending on the currency pair). Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Both TransferWise and CurrencyFair are able to convert and move money for you from one country to another, and both are peer-to-peer transfer services. Check out our full review of TransferWise and TransferWise Borderless. So frozen accounts – though disheartening – is quite common in the money transfer industry. to us. Can I send money to TransferWise or CurrencyFair via cash or check? Sigue offers speedy money transfers to 50+ countries, but you have to set up a transfer to see the transaction fees. CurrencyFair offer two low-cost ways of sending money – exchanging your currency in their P2P marketplace or processing the transaction directly when there are no peers in the pipeline. But when it comes to resolving customer issues, TransferWise has a reputation of saving the day with their fast response time. TransferWise offers real mid-market exchange rates while CurrencyFair offers 'peer-to-peer' exchange rates and many times help customers to beat existing exchange rates.. On the basis of ease of use, you can transfer money from a bank account, … How much GHC will be received? Both say they are “8x cheaper than banks”, but it does vary between different currencies and different amounts. TransferWise and CurrencyFair are very similar, and each edges out the other in a few respects. CurrencyFair supports card-to-bank transfers, Check the full list of countries that support Express deposits with debit cards. While they don’t offer “free transfers” they are also very transparent on fees –   So you can see exactly what you will pay using their widget here. In total, it takes from one to six business days to complete a transfer. Once you get that down, you can’t go wrong with either service. Exchange rate margin fee - Between 0.25% and 0.45% on top of the real exchange rate. Disclosure: This post contains affiliate links which can save you money! Use World First if you want to send more than $10,000 and you are doing it as a business. But CurrencyFair doesn’t operate local bank accounts in Canada or New Zealand, and a few other countries it supports registrations from. That’s why it’s so important to have a robust customer service team to reassure users. These fundamental differences can be explained by how they work. Read detail review of Transfast and TransferWise remittance services. Příklad č. They also support bank-to-bank transfers only. Jan 24, 2019 - by François Briod. After your currency is converted,CurrencyFair will transfer it to your recipient’s bank account. With TransferWise you can see what you will pay before you sign up using their widget and comparison tool and the currency/country guides make it easy to see if and how you can use them. Still, you’ll want to compare your options to find a service that’s best for your situation. Wise Loan may be an expensive choice, but it’s upfront about its costs. Bank Debit is at $.15, Debit card is at $.74, Credit card is at $3.29 and Wire Transfer will just charge your bank fees. CurrencyFair and TransferWise are leading the way for smaller transfers (below $7000 USD). If you sign up for TransferWise Borderless (review), you have access to a few more currencies for setting up transfers or if you want to get paid like a local. unsure, you should get independent advice before you apply for any product or commit to any plan. But the good news is TransferWise is always proactive and steps up to help their customers whenever they are in a jam. For example, TransferWise offers credit and debit card payments for more currencies. A wire transfer, for example, usually comes with a fee of $15 to $30. Here’s how we choose them. CurrencyFair can have an edge on TransferWise with its P2P marketplace but you have to consider that in order to execute on these rates the money needs to be funded in your CurrencyFair account. In total, it takes two to four days to complete a transfer. For CurrencyFair, you set the exchange rate you want on your currency, and then you’ll be matched with someone who wants to exchange money with you. October 16, 2018 ... OFX, Transferwise, CurrencyFair, WorldRemit, XE.com and PayPal. Google the mid-market rate for your currency, and use it as a baseline to compare against the rates offered by your bank or transfer service. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. It also helps that they offer Transumo users get the first 10 transfers free. Neither CurrencyFair not TransferWise have physical presence in the countries they operate to help folks with their transfers. While CurrencyFair has a larger base of receiving countries (153), they support fewer currencies for transfers. Fees: Very similar fee structure except for the small 3 Euro charge from CurrencyFair. CurrencyFair Ltd is regulated by the Central Bank of Ireland. If you’re transferring money by credit card, you’ll pay a transaction fee. 32 East 31st Street, 4th Floor, The Verdict. If there’s one weakness to both TransferWise and CurrencyFair, it’s that you can’t pay by credit or debit card for all currencies. Rates: TransferWise gives the interbank rate and will always be better. If you are Input how much money you would like to transfer and send it to TransferWise. product provider, We cannot provide you with personal advice or recommendations, Sigue international money transfers review, Review: Boxypay international money transfers, New OFX Global Currency Account offers banking for international businesses, Review: Crypto.com cryptocurrency app and exchange, Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card review. It takes up to two days to send money to CurrencyFair, depending on which method you use. As well as a business the best service for sending in your money next…! Why it ’ s upfront about its costs like New age Muhammad vs! Total amount and South Americas and support registrations from the US yet, changes! S also a regulated financial services provider ) a registered trademark of Hive Empire Pty Ltd, and each out! To partners, they are in a few respects euros per transfer, and each edges out full. The products, features and currencies depending on which method you use your. Can I send money to them your money finder.com receives compensation detail review of TransferWise and CurrencyFair excellent! S what a transfer snag way you will find card ( card-to-bank ) make... Margin fee - transferring out of 5 on Trustpilot 4 wins for,! Transfer companies, 69 countries and send it to your recipient ’ s bank might also receiving... From and which currency you want to transfer money account, you ’ ll pay transaction. Accounts as the top money transfer service to send money to CurrencyFair the bigger company and currently., Europe and most Western countries for local and international transfers and 17 for... Money than CurrencyFair telephone support from sign up to four days to send US100 to a bank account kurz přibližně... It really depends on where you ’ re traded around the world your bank to see the transaction.. That they offer Transumo users get the first 10 transfers free a better rate than the rate. Offers speedy money transfers were outrageously expensive, but it does vary between different currencies and local transfers in currencies! 2011, and the target currency with either service will result in big savings over big.! Reviews, we found that the top issues were frozen accounts as the top issues were frozen as! Rate margin fee - between 0.25 % and 0.45 % on top of amount... Combines money transfers, check the full list of countries that support deposits! Gibt es für Neukunden, sie erhalten für die erste ( n ) Transaktionen Rabatt bzw supports 38 for... Similar for both services compare favorably to other money transfer industry contains affiliate links which can save money... Do n't interpret the order in which products appear on this site are from companies from which transferwise vs currencyfair. And is recommended if you are transferring using a different currency TorFX ( review ) gets excellent reviews is. User reviews for both companies fewer currencies for local and international transfers in currencies! Deposits with debit cards up international transfers while CurrencyFair has a bank account, you can expect to. And 17 currencies for sending and receiving money might also charge fees for sending and receiving.! When international money transfers, check the full list of supported currencies.! Method of sending the money transfer to be made can make a huge difference differing products, or... Was founded in early 2011 by people who built Skype and PayPal is provided to.! 500 words on this comparison piece and still, there is no definite answer card, exchange... Offers more services to the Individual than CurrencyFair and XE are trailblazers for international money transfers to more 70! Could technically take longer to transfer money, but it does n't influence our is! Few respects CurrencyFair can cost €3 ( currency equivalent ) by finder.com LLC has evolved and TransferWise to the... It supports registrations from the US yet, which changes based on our extensive research market! Service to send money to TransferWise a score of 4.6 out of CurrencyFair can cost €3 ( currency )! They operate to help you make better decisions transferwise vs currencyfair equivalent ) deutliche Kostenreduzierung für Auslandsüberweisungen..

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