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<?php $pageTitle = "Money Transfers"; include 'includes/public-header.php'; ?>

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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">Money Transfers</h1><p class="db-page-hero-subtitle">Send money securely — locally or internationally. Track every transaction with real-time confirmation and PIN-protected authorization.</p><img src="assets/svg/transfer-route.svg" alt="Secure money transfer route illustration" width="400" height="160" style="margin:var(--db-space-6) auto 0;display:block;"></div></section>

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  <div class="db-content animate"><h2>Move Money Your Way</h2><p>Whether you are sending funds to a family member, paying a supplier, or settling an international invoice, <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> provides a complete suite of transfer services. Every transaction is secured with multi-factor authentication, PIN verification, and real-time monitoring — so your money always arrives where it should.</p></div>
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    <div class="db-service-card animate animate-delay-1"><div class="db-card-icon"><i class="fas fa-arrow-right"></i></div><h3 class="db-card-title">Local Transfers</h3><p class="db-card-text">Transfer funds instantly to any bank within your country. Our network connects to over 11,000 financial institutions, ensuring fast settlement — most transfers complete within minutes.</p><a href="local-transfers.html" class="db-card-link">Send Locally <i class="fas fa-arrow-right"></i></a></div>
    <div class="db-service-card animate animate-delay-2"><div class="db-card-icon"><i class="fas fa-globe-americas"></i></div><h3 class="db-card-title">International Transfers</h3><p class="db-card-text">Send money across borders in over 40 currencies. Authorization codes for large transfers provide an extra layer of security, and competitive exchange rates keep costs low.</p><a href="international-transfers.html" class="db-card-link">Send Globally <i class="fas fa-arrow-right"></i></a></div>
    <div class="db-service-card animate animate-delay-3"><div class="db-card-icon"><i class="fas fa-file-invoice-dollar"></i></div><h3 class="db-card-title">Bill Payments</h3><p class="db-card-text">Pay utility bills, subscriptions, and recurring expenses from one dashboard. Schedule payments in advance and never miss a due date with automated reminders.</p><a href="bill-payments.html" class="db-card-link">Pay Bills <i class="fas fa-arrow-right"></i></a></div>
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  <div class="db-section-header animate"><span class="db-section-label">How It Works</span><h2 class="db-section-title">The Transfer Process</h2><p class="db-section-subtitle">Every transfer follows a simple, secure four-step process designed for transparency and peace of mind.</p></div>
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    <div class="db-step"><h4>Log In</h4><p>Access your <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> online banking dashboard using your secure credentials and complete two-factor authentication.</p></div>
    <div class="db-step"><h4>Select Transfer Type</h4><p>Choose local, international, or bill payment. Enter the recipient details, amount, and any reference information needed.</p></div>
    <div class="db-step"><h4>Verify with PIN</h4><p>Confirm the transaction using your unique 4-digit transfer PIN. For international transfers over certain thresholds, an authorization code is also required.</p></div>
    <div class="db-step"><h4>Receive Confirmation</h4><p>Get instant confirmation with a transaction reference number. Track the status of your transfer in real time from your dashboard.</p></div>
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  <div class="db-section-header animate"><span class="db-section-label">Security</span><h2 class="db-section-title">Your Money, Protected</h2><p class="db-section-subtitle">We take the security of every transaction seriously. Multiple layers of protection work together to safeguard your funds.</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-lock"></i></div><h3 class="db-feature-title">PIN Protection</h3><p class="db-feature-description">Every transfer requires your unique 4-digit transaction PIN. This PIN is separate from your login credentials and acts as a second layer of authorization — even if someone accesses your account, they cannot move money without it.</p><ul class="db-feature-list"><li><i class="fas fa-check-circle"></i> Separate from login password</li><li><i class="fas fa-check-circle"></i> Required for every outgoing transfer</li><li><i class="fas fa-check-circle"></i> Can be changed at any time from your security settings</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">Authorization Codes</h3><p class="db-feature-description">For large international transfers exceeding USD 10,000 or equivalent, a one-time authorization code is generated and sent to your registered email and phone. This code must be entered to complete the transfer, adding enterprise-grade security.</p><ul class="db-feature-list"><li><i class="fas fa-check-circle"></i> Multi-channel delivery (email + SMS)</li><li><i class="fas fa-check-circle"></i> Single-use, time-limited codes</li><li><i class="fas fa-check-circle"></i> Mandatory for high-value international transfers</li></ul></div></div>
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<section class="db-section db-section-bg"><div class="db-container">
  <div class="db-section-header animate"><span class="db-section-label">Limits & Fees</span><h2 class="db-section-title">Transfer Limits</h2><p class="db-section-subtitle">Understand your daily transfer limits to plan larger transactions effectively.</p></div>
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    <table class="db-compare"><thead><tr><th>Transfer Type</th><th>Daily Limit (USD)</th><th>Processing Time</th><th>Fee</th></tr></thead><tbody>
      <tr><td>Local Transfer (Same Bank)</td><td>$100,000</td><td>Instant</td><td>Free</td></tr>
      <tr><td>Local Transfer (Other Bank)</td><td>$50,000</td><td>1–2 hours</td><td>$1.50</td></tr>
      <tr><td>International Transfer (Standard)</td><td>$25,000</td><td>1–3 business days</td><td>$15.00</td></tr>
      <tr><td>International Transfer (Express)</td><td>$50,000</td><td>Same day</td><td>$30.00</td></tr>
      <tr><td>Bill Payment</td><td>$20,000</td><td>1–2 business days</td><td>Free</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);">Limits may vary based on account type and verification status. Contact customer support to request a temporary limit increase.</p>
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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 long does a local transfer take? <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>Transfers to accounts within <?= getSetting("site_name", "Deutsche Bank Holdings Delaware") ?> are instant. Transfers to other banks typically complete within 1–2 hours during business days. Transfers initiated outside banking hours or on weekends will be processed on the next business day.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">What exchange rate do you use for 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>We use live mid-market exchange rates sourced from leading foreign exchange data providers. The rate displayed at the time of your transfer is the rate you receive — we do not add hidden markups. A small conversion fee of 0.5% applies for amounts over USD 5,000.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">Can I cancel a transfer after it has been sent? <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>Local transfers can be cancelled if the status is still "Pending" in your dashboard. Once a transfer shows "Processing" or "Completed," it cannot be reversed through the self-service portal — please contact customer support immediately for assistance. International transfers cannot be cancelled once processed due to correspondent banking timelines.</p></div></div></div>
    <div class="db-faq-item"><button class="db-faq-question">How do I set or change my transfer PIN? <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>Your transfer PIN is set during account opening. To change it, log in to your dashboard, navigate to Settings > Security > Transfer PIN, and follow the prompts. You will need to verify your identity with a one-time code sent to your registered email or phone before the change takes effect.</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">Start Transferring Today</h2><p class="db-cta-description">Open an account and send your first transfer in minutes. Secure, fast, and fully transparent.</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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