Terms & Conditions for Foreign Exchange (FX) Fee Reduction

These Terms & Conditions govern the limited-time foreign exchange (FX) fee reduction promotions offered by MarTrust for eligible Philippine Peso (PHP) and Indian Rupee (INR) transfers (the “Promotion”). By participating in the Promotion, you agree to these Terms & Conditions.

1.0 General Promotion Terms

The Promotion is available to eligible MarTrust crew who initiate qualifying international money transfers through their MarTrust account during the Promotion Period.
The Promotion applies only to the foreign exchange (FX) fee applied to eligible transfers and does not apply to any other fees, charges, or costs unless expressly stated.
The Promotion is valid from 22 December 2025 to 15 April 2026 inclusive (the “Promotion Period”).
After the Promotion Period ends, the applicable FX fee will revert to the standard rate in effect at that time.
FX rates are variable and depend on market conditions at the time the transfer is processed. Any rates or savings examples shown in promotional materials are indicative only and are not guaranteed.
MarTrust reserves the right to amend, suspend, or withdraw the Promotion at any time, acting reasonably and in accordance with applicable laws and regulations.
The Promotion cannot be combined with any other FX or pricing promotion unless explicitly stated.
All transfers remain subject to applicable laws, regulations, sanctions screening, and internal compliance requirements. MarTrust may decline or delay transfers where required for regulatory or risk reasons.

2.0 Philippine Peso (PHP) FX Fee Reduction

2.1 Eligibility

Applies to international transfers where:
- The destination country is the Philippines, and
- The transfer currency selected is Philippine Pesos (PHP).

2.2 Promotional FX Fee

Promotional FX fee: 0.75%
Standard FX fee: 1.0%
The promotional FX fee applies only during the Promotion Period.

2.3 Transfer Fees

During the Promotion, PHP transfers are subject to MarTrust’s standard PHP local currency transfer fee of USD 2.50 / EUR 2.25 / GBP 1.85.
This fee is lower than the standard USD transfer fee of USD 5.00 / EUR 4.50 / GBP 3.75, which applies when sending USD instead of PHP.
Transfer fees are separate from FX fees and remain subject to change in accordance with MarTrust’s standard pricing.

2.4 Additional Information

Sending in PHP local currency may help your recipient receive funds faster and avoid conversion fees charged by the receiving bank, which may be higher if funds are received in another currency.
Savings achieved will vary depending on transfer amount, FX rate at the time of processing, and market conditions.

3.0 Indian Rupee (INR) FX Fee Reduction

3.1 Eligibility

Applies to international transfers where:
- The destination country is India, and
- The transfer currency selected is Indian Rupees (INR).

3.2 Promotional FX Fee

Promotional FX fee: 0.5%
Standard FX fee: 1.0%
The promotional FX fee applies only during the Promotion Period.

3.3 Transfer Fees

Standard MarTrust transfer fees apply. No additional fee reductions are included as part of the INR Promotion unless otherwise stated in your pricing agreement.

3.4 Additional Information

Sending in INR local currency may help your recipient receive funds faster and avoid conversion fees charged by the receiving bank, which may be higher if funds are received in another currency.
Savings achieved will vary depending on transfer amount, FX rate at the time of processing, and market conditions.

4.0 Exclusions & Limitations

The Promotion does not apply to:
- Transfers sent in currencies other than PHP (for the Philippines) or INR (for India).
- Transfers initiated outside the Promotion Period.
MarTrust is not responsible for any fees, charges, or FX conversions applied by intermediary or receiving banks.
No cash alternative is available for the Promotion.

MarTrust reserves the right to reverse, withhold or decline promotional benefits where it reasonably believes there has been fraud, abuse, misuse or error in connection with the Promotion.