A while back I remember people talking about multi-currency accounts. I think Citibank was mentioned as having good rates. Can anyone provide a bit more info on how the account works, specifically how to know what rate you're going to get at a particular moment, and how often the rate changes during the day? E.g, if I want to change $50000 from AUD into USD, do I create a order online and it gives me a live rate, or do I get a fixed daily rate, or do I have to call and get a rate? Thanks!