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Browsing fees needs no account. One lets you record the payments you actually make and see what they cost against the published rate.
Signing in takes two steps: your password, then a one-time code emailed to you. A leaked password on its own is not enough to reach your account.
FX live, 150 of 153 currencies refreshed 26 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.