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The second one almost happened to me, when I was trying to do an EUR EFT today and switched back and forth between USD/EUR accounts on that screen then the page somehow forgot to update the exchange rate (which is obviously none when doing and EUR withdrawal from the EUR paxum account to an EUR bank account). So I almost withdrew money from my paxum EUR account to my EUR bank account and was faced with an exchange fee as it would be an paxum USD account.
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