Why Your Withdrawal Amount May Differ When Converting Currency

When you withdraw your Lumanu balance into a different currency—such as withdrawing USD into a GBP or EUR bank account—you may notice that the final amount received is slightly different from what you expected.

This is normal across all global payment systems. Below is a clear breakdown of how currency conversion works and what to expect when using Lumanu.

If you search “USD to GBP” on Google, XE, or similar sites, you are seeing the mid-market rate.

This rate is:

• the wholesale rate banks use when trading large volumes

• not a rate available to individuals or businesses

• a reference point only, not a retail exchange rate

Every financial institution—banks, PayPal, Venmo, Wise, etc.—buys currency at a markup above this rate. This is industry standard and applies everywhere, not just Lumanu.

Lumanu partners with enterprise financial networks (including Visa) to access competitive exchange rates typically only available to large institutions.

Our goal is to:

• keep FX costs lower than traditional banks

• keep fees transparent

• minimize surprises for vendors during withdrawal

This means your Lumanu withdrawal includes only the standard FX markup—never added surprise fees.

Exchange rates move every minute based on global market activity. When you withdraw, Lumanu applies the real-time rate available at that exact moment.

This may cause the actual deposited amount to vary from:

• a rate you saw earlier in the day

• a rate listed on Google

• a conversion you calculated manually

These differences reflect normal market fluctuation.

Lumanu is committed to providing:

• enterprise-grade foreign exchange rates

• faster global withdrawals

• transparent pricing with no hidden fees

• tools that help you understand your payout before you withdraw

If you have any questions about a specific withdrawal, our support team is always here to help via vendors@lumanu.com