The SEPA transfer arrived quickly in my foreign bank account. The only issue I have is with the online trading forms and process which are not that, but pdf part filled forms. Unless you can edit the forms you have to print them. Then there is a 'real' authorising signature required. In most business situations a signature is not recognised as valid authentication if copied and pasted electronically. As far as I could see, the only way to return the completed instruction with a valid signature was to sign the form, drag out an old fax machine and send by FAX, I felt uneasy that the essential details of my receiving bank were not input by me but first sent by email then transcribed on to transfer forms with a risk of possible errors and time spent by me re-checking details in case of mistakes. If I input details copied and pasted into an electronic form, then I am responsible for their accuracy and the data should be passed 'as is' to any final instructions. If an account with the necessary authentication access has already been set up then I can't see why secure communication could not be sent through the account and replies sent back electronically avoiding seperate emails. Currency transfer seems to be a mix of modern electronic and old style paper and should be reviewed so that from the customer perspective, it becomes a smooth 'all electronic' transaction process. If security is a concern, then apply stricter controls above a certain currency trade value. The complete transaction process with all communications from a customer perspective should reside in the online account. Consider how Ebay and Amazon fulfill orders electronically through one account and see if currency trading can get close to their systems.