FLEXI RATES - GKMS Trinidad

FLEXI RATES

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1. Overview of the Flexi Rates Campaign

FX Trader Cambio offers Flexi Rates to provide customers with more competitive foreign exchange rates, when selling United States Dollars (USD). The Flexi Rates offers customers with more value through a tiered structure.

2. Eligibility

  • The Flexi Rates offer is available to all eligible customers conducting over-the-counter foreign exchange transactions at all FX Trader Cambio locations in Trinidad and Tobago.
  • Customers must present valid government‑issued identification and meet all standard transaction and compliance requirements.
  • FX Trader Cambio reserves the right to refuse service to any individual who does not satisfy regulatory, identification, or compliance standards.

3. Applicable Currencies

  • Flexi Rates are applied to transactions involving the sale of USD to FX Trader Cambio.
  • Rates for other currencies may vary and are not included as a part of the Flexi Rates offer.

4. Exchange Rates

  • The Flexi Rates apply to USD exchange only.

USD $1.00 to 150.00 = 7.05

USD 151.00 to 300.00 = 7.25

USD 301 and over = 7.50

  • FX Trader Cambio reserves the right to request advance notice or additional documentation for high‑value transactions

6. Availability

  • The Flexi Rates offer is available until June 30, 2026.
  • FX Trader Cambio reserves the right to:
    • Modify exchange rates, eligibility criteria, or transaction thresholds
    • Suspend or terminate the offer at any time without prior notice
  • Any changes will be applied prospectively and will not affect completed transactions.

9. Customer Responsibility

  • Customers are responsible for reviewing and confirming the exchange rate before completing the transaction.
  • Once a transaction has been completed, it cannot be reversed or amended.

10. Limitation of Liability

  • FX Trader Cambio shall not be responsible for losses arising from:
    • Exchange rate fluctuations after a transaction is completed
    • Customer decisions based on expected or anticipated rates
    • Circumstances beyond its reasonable control, including market volatility or currency shortages

Acceptance of the Flexi Rates offer constitutes acceptance of these Terms & Conditions.

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To use the Direct to Bank service you have to be a registered D2B customer – registration is a quick and easy one-time activity that takes place online (for existing GKMS Western Union customers) and in-store for new customers.

There are three (3) Phases in the Direct to Bank (D2B) process:

Phase 1: Customer Registration.

New customers must register in-store at any GKMS Western Union. Existing GKMS Western Union customers can register online: Access the GraceKennedy Money Services website using your computer or mobile phone and fill out the required registration details. The online registration website is https://registration.gkmsonline.net.

GKMS customers will have the opportunity to enter demographic and banking information supported by pictorial proof that the information presented for verification is valid and current.

After confirming the validity of their email, customers will be able to access the online portal and navigate through the screens entering the relevant information to process their registration.

Customers are required to provide the following:

  1. Basic Info – Name, DOB.
  2. Employment Info– Place of employment and employment particulars i.e. occupation.
  3. Contact info – Current mailing address, Telephone, Cell numbers.
  4.  Primary Identification Info– National ID, Driver’s Permit or Passport.
  5.  Secondary identification Info– customer will provide a second ID type of the three options stated above.
  6. Security Info– Customer required to provide secret questions and answers to secure their account and future transactions.

  7. Document Upload– All the relevant documents required to process the application is uploaded into the system. The documents have to be verified in a separate phase of the process before the customer is able to access the service.

Phase 2: Customer Verification Process

The verification process consists of actions by GKMS to validate the authenticity of the  information provided at the Registration Stage (uploaded documents+ banking information + Demographic information). This involves matching uploaded details against information available in our internal databases as well as external National ID Verification Systems. You will be contacted by one of our team members when this step is completed.

Phase 3: Start using Direct to Bank!

Once you have been successfully registered you can start receiving Western Union money transfers in your bank account. Follow these quick steps:

  1.  Call our Contact Centre at 623-6000 the next time you are expecting a money transfer to initiate the bank transfer. Calls should be placed as soon as funds are available for collection.
  2. Tell the CSR you are registered for Direct to Bank transfers.
  3. Provide the related Money Transfer Control Number (MTCN).
  4. Enjoy the safety & convenience of having funds transferred directly into your bank account.

GKMS Digital Services

Find out more details about our Digital Registration. How to register, FAQs and more.

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