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<section class="db-page-hero" aria-labelledby="hero-title"><div class="db-container"><h1 class="db-page-hero-title" id="hero-title">International Transfers</h1><p class="db-page-hero-subtitle">Send money across borders in over 40 currencies. Competitive exchange rates and enterprise-grade security for every transaction.</p></div></section>

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  <div class="db-content animate"><h2>Cross-Border Transfers Made Simple</h2><p><?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> makes international money transfers straightforward and secure. Whether you are supporting family abroad, paying international suppliers, or managing overseas investments, our global transfer network ensures your funds arrive safely and on time. We support transfers to over 190 countries in more than 40 currencies, with transparent exchange rates and no hidden fees.</p></div>
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    <div class="db-service-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-globe-americas"></i></div><h3 class="db-card-title">190+ Countries</h3><p class="db-card-text">Our correspondent banking network spans over 190 countries and territories, ensuring global reach for your international transfer needs.</p></div>
    <div class="db-service-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-coins"></i></div><h3 class="db-card-title">40+ Currencies</h3><p class="db-card-text">Send money in over 40 currencies including USD, EUR, GBP, JPY, CAD, AUD, CHF, CNY, INR, MXN, and many more.</p></div>
    <div class="db-service-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-tachometer-alt"></i></div><h3 class="db-card-title">Express & Standard</h3><p class="db-card-text">Choose Express for same-day delivery or Standard for cost-effective transfers that arrive in 1–3 business days.</p></div>
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  <div class="db-section-header animate"><span class="db-section-label">Currencies</span><h2 class="db-section-title">Supported Currencies</h2><p class="db-section-subtitle">We support a comprehensive range of global currencies for international transfers, with live mid-market exchange rates.</p></div>
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    <table class="db-compare"><thead><tr><th>Currency</th><th>Code</th><th>Standard Delivery</th><th>Express Delivery</th></tr></thead><tbody>
      <tr><td>United States Dollar</td><td>USD</td><td>1–2 business days</td><td>Same day</td></tr>
      <tr><td>Euro</td><td>EUR</td><td>1–2 business days</td><td>Same day</td></tr>
      <tr><td>British Pound Sterling</td><td>GBP</td><td>1–2 business days</td><td>Same day</td></tr>
      <tr><td>Japanese Yen</td><td>JPY</td><td>1–3 business days</td><td>Next business day</td></tr>
      <tr><td>Canadian Dollar</td><td>CAD</td><td>1–2 business days</td><td>Same day</td></tr>
      <tr><td>Australian Dollar</td><td>AUD</td><td>1–3 business days</td><td>Next business day</td></tr>
      <tr><td>Swiss Franc</td><td>CHF</td><td>1–2 business days</td><td>Same day</td></tr>
      <tr><td>Chinese Yuan Renminbi</td><td>CNY</td><td>2–3 business days</td><td>1–2 business days</td></tr>
      <tr><td>Indian Rupee</td><td>INR</td><td>1–3 business days</td><td>Next business day</td></tr>
      <tr><td>Mexican Peso</td><td>MXN</td><td>1–2 business days</td><td>Same day</td></tr>
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  <p class="db-text-center db-mt-6" style="font-size:var(--db-text-sm);color:var(--db-gray-500);">Additional currencies are available. Contact our support team for a full list of supported currencies and territories.</p>
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  <div class="db-section-header animate"><span class="db-section-label">Security</span><h2 class="db-section-title">Authorization Codes for Large Transfers</h2><p class="db-section-subtitle">International transfers exceeding USD 10,000 require a one-time authorization code for added protection.</p></div>
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    <div class="db-feature animate animate-delay-1"><div class="db-feature-content"><div class="db-feature-icon"><i class="fas fa-mobile-alt"></i></div><h3 class="db-feature-title">How Authorization Codes Work</h3><p class="db-feature-description">When you initiate a large international transfer, a unique, single-use authorization code is generated and sent to your registered mobile number and email address. You must enter this code within 10 minutes to complete the transfer — after which it expires and cannot be reused.</p><ul class="db-feature-list"><li><i class="fas fa-check-circle"></i> Automatically triggered for transfers over USD 10,000</li><li><i class="fas fa-check-circle"></i> Delivered via SMS and email simultaneously</li><li><i class="fas fa-check-circle"></i> Expires after 10 minutes for security</li></ul></div></div>
    <div class="db-feature animate animate-delay-2"><div class="db-feature-content"><div class="db-feature-icon"><i class="fas fa-shield-alt"></i></div><h3 class="db-feature-title">Multi-Layer Protection</h3><p class="db-feature-description">International transfers benefit from multiple security layers: your login credentials, your transfer PIN, and the authorization code for large amounts. This three-tier approach means even if one layer is compromised, your funds remain protected.</p><ul class="db-feature-list"><li><i class="fas fa-check-circle"></i> Two-factor authentication at login</li><li><i class="fas fa-check-circle"></i> Transfer PIN for all outgoing transfers</li><li><i class="fas fa-check-circle"></i> Authorization code for high-value international transfers</li></ul></div></div>
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  <div class="db-section-header animate"><span class="db-section-label">Process</span><h2 class="db-section-title">How to Send Money Internationally</h2></div>
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    <div class="db-step"><h4>Select International Transfer</h4><p>From your dashboard, choose "International Transfer" and enter the recipient's full name, bank details including SWIFT/BIC code, and IBAN or account number.</p></div>
    <div class="db-step"><h4>Choose Currency & Amount</h4><p>Select the destination currency and enter the amount. You will see the live exchange rate and the total cost, including any fees, before you confirm.</p></div>
    <div class="db-step"><h4>Verify & Authorize</h4><p>Enter your transfer PIN. For transfers over USD 10,000, you will also need to enter the authorization code sent to your phone and email.</p></div>
    <div class="db-step"><h4>Track Your Transfer</h4><p>Receive a SWIFT tracking reference. Monitor your transfer status in real time as it moves through the correspondent banking network to its destination.</p></div>
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  <div class="db-section-header animate"><span class="db-section-label">FAQ</span><h2 class="db-section-title">Frequently Asked Questions</h2></div>
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    <div class="db-faq-item"><button class="db-faq-question">How are exchange rates determined? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>We use live mid-market exchange rates sourced from leading foreign exchange data providers. The rate you see when initiating the transfer is locked in for the transaction. We do not add hidden markups — a transparent conversion fee of 0.5% applies for transfers over USD 5,000, while transfers under that amount receive fee-free conversion.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">What information do I need for an international transfer? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>You will need the recipient's full name (as it appears on their bank account), their bank's SWIFT/BIC code, the recipient's IBAN or account number, the destination country, and the amount in the chosen currency. For transfers to certain countries, additional information such as a purpose code or intermediary bank details may be required.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">Can I cancel an international transfer after sending it? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>International transfers cannot be cancelled once they have been processed due to the nature of correspondent banking. However, if you contact customer support immediately after initiating a transfer, we may be able to place a recall request with the correspondent bank. Recalls are not guaranteed and may incur additional fees from intermediary banks.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">Are there limits on international transfers? <span class="db-faq-icon"><i class="fas fa-plus"></i></span></button><div class="db-faq-answer"><div class="db-faq-answer-inner"><p>Standard international transfers have a daily limit of $25,000. Express international transfers allow up to $50,000 per day. Higher limits are available for verified business accounts. Transfers exceeding USD 10,000 require an authorization code for security.</p></div></div></div>
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<section class="db-section db-cta" aria-labelledby="cta-title"><div class="db-container"><div class="db-cta-inner animate"><h2 class="db-cta-title" id="cta-title">Send Money Worldwide Today</h2><p class="db-cta-description">Open an account and start sending international transfers with competitive rates and bank-grade security.</p><div class="db-cta-actions"><a href="account/register.html" class="db-btn db-btn-light db-btn-lg">Open an Account</a><a href="contact.html" class="db-btn db-btn-outline-white db-btn-lg">Contact Support</a></div></div></div></section>
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