Data Sources
Where our exchange-rate inputs and comparison assumptions come from.
SEARateGuide uses a live reference FX rate source plus simplified scenario assumptions (fees, spread/markup, payout method, and payout time) to help users compare remittance routes consistently. These inputs are for comparison and may not match a provider’s live checkout quote, which can change by corridor, amount tier, payment method, verification level, promotions, and timing. Always confirm the final quote and limits on the provider’s official checkout.
Last updated: 2026-05-06
FX reference rates
On the main comparison tool, we fetch reference FX rates from Exchangerate-API and use them as a base input for estimates.
Source link: https://www.exchangerate-api.com/
Refresh frequency: Reference FX rates are fetched live at page load (and may refresh when you run a new comparison). Cached results may apply depending on network and browser behavior.
Fees, spreads, and payout-time assumptions
Provider fees, FX markup/spread assumptions, and payout-time estimates are simplified scenario inputs used to illustrate how total cost and speed comparisons work. They may not match a provider’s real-time quote.
Provider availability
Supported payout methods and availability can vary by sender country, receiver country, amount, verification level, and local regulations.
How to validate
For the most accurate price and delivery time, verify the final quote on the provider’s official checkout page.