I have not used it as yet as have been moving small amounts of a few thousand every month via NAB.
I still cannot make instant transfers using Novatti's Ripple app as NAB takes a day to transfer funds to the app. Once the money is in the app the transfers are instant. I will use it for larger transfers when I start carving up blocks & building over there hopefully later this year if Putin doesn't blow everything up.
The exchange rate is heaps better on Nov's app making it worthwhile for the larger transfers.
Novatti - The $1 party, page-2887
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