Low Cost Money Transfers in Zimbabwe 2025

A low cost money transfer in Zimbabwe is a type of financial transaction where one location sends ZWD or another currency money to another location using the most cost effect methods available in Zimbabwe. The process of money transfer in Zimbabwe may be electronic or physical. When sending ZWD money by cash, a money transfer in Zimbabwe services company will collect cash from you and send an electronic funds transfer in Zimbabwe. The ZWD money will then land in your recipient's bank account or cash account. When sending by cash, you will need to provide a unique tracking number to protect the ZWD money and ensure that it reaches its intended recipient.

If you are sending ZWD money to a person who lives far away, you can use a ZWD money order to make a payment. A ZWD money order provides a record of the payment, while a money transfer in Zimbabwe sends the funds electronically to the recipient's bank. When sending ZWD money via a ZWD money transfer, the recipient can pick up the ZWD money from anywhere in the world in just minutes. This method is often faster than sending ZWD money via check.

Low Cost Money Transfers in Zimbabwe 2025 Table of Contents

Low Cost Money Transfers in Zimbabwe Compared

  1. Visit Wise Multi-Currency Account alternative Wise Multi-Currency Account Visit Wise Multi-Currency Account

    Used By: 11000000
    Currencies Available: 54
    Transfer Fees: 0.5%-1%
    Payment Methods: Bank transfer, debit card, credit card, SOFORT transfer
    iOS App : yes, Android App : yes

    LiveChat:
    Min Transfer: 1 USD
    Max Transfer: 1000000 USD/transaction/day (personal), 3000000 USD/transaction/day (business)
    Year Founded: 2011

  2. Visit Wise Multi-Currency Account alternative Remitly Visit Remitly

    Used By: 3000000
    Currencies Available: 63
    Transfer Fees: 0-3.99$
    Payment Methods: Bank transfer, credit/debit card
    iOS App : yes, Android App : yes

    LiveChat:
    Min Transfer: US$1.00
    Max Transfer: US$20,000.00
    Year Founded: 2011

  3. Visit Wise Multi-Currency Account alternative Wise Visit Wise

    Used By: 11000000
    Currencies Available: 54
    Transfer Fees: 0.5%-1%
    Payment Methods: Bank transfer, debit card, credit card, SOFORT transfer
    iOS App : yes, Android App : yes

    LiveChat:
    Min Transfer: US$1.00
    Max Transfer: US$1,000,000 (varies based on currency)
    Year Founded: 2011

  4. Visit Wise Multi-Currency Account alternative Wise Business Visit Wise Business

    Used By: 11000000
    Currencies Available: 55
    Transfer Fees: 0.5%-1%
    Payment Methods: Bank transfer, debit card, credit card, SOFORT transfer
    iOS App : yes, Android App : yes

    LiveChat:
    Min Transfer: 1 USD
    Max Transfer: 1000000 USD/transaction/day (personal), 3000000 USD/transaction/day (business)
    Year Founded: 2011

  5. Visit Wise Multi-Currency Account alternative Western Union Visit Western Union

    Used By: 15000000
    Currencies Available: 38
    Transfer Fees: up to 3%
    Payment Methods: Cash, bank transfer, debit card, credit card (varies from country)
    iOS App : yes, Android App : yes

    LiveChat:
    Min Transfer: $1.00
    Max Transfer: $10,000.00 (varies)
    Year Founded: 1851

  6. Visit Wise Multi-Currency Account alternative MoneyGram Visit MoneyGram

    Used By: 150000000
    Currencies Available: 46
    Transfer Fees: 1.99$
    Payment Methods: Bank transfer, debit/credit card, cash
    iOS App : yes, Android App : yes

    LiveChat:
    Min Transfer: $1.00
    Max Transfer: $10,000.00 (varies)
    Year Founded: 1940

  7. Visit Wise Multi-Currency Account alternative Small World Visit Small World

    Used By: 15000000
    Currencies Available: 54
    Transfer Fees: 1%-2%
    Payment Methods: Bank transfer, credit/debit card
    iOS App : yes, Android App : yes

    LiveChat: yes
    Min Transfer: US$1.00
    Max Transfer: Varies (US$2,000.00 for card transfers)
    Year Founded: 2005

  8. Visit Wise Multi-Currency Account alternative WorldRemit Visit WorldRemit

    Used By: 5000000
    Currencies Available: 77
    Transfer Fees: 0.99$-3.99$
    Payment Methods: Bank Transfer, Debit Card & Credit Card.
    iOS App : yes, Android App : yes

    LiveChat: yes
    Min Transfer: 1 USD
    Max Transfer: 9000 USD
    Year Founded: 2010

  9. Visit Wise Multi-Currency Account alternative Ria Visit Ria

    Used By: 61000000
    Currencies Available: 96
    Transfer Fees: 5$-35$
    Payment Methods: Bank transfer, debit/credit card, cash
    iOS App : yes, Android App : yes

    LiveChat: yes
    Min Transfer: None
    Max Transfer: US$2,999.99 / day
    Year Founded: 1987

  10. Visit Wise Multi-Currency Account alternative Azimo Visit Azimo

    Used By: 500000
    Currencies Available: 139
    Transfer Fees: 2.99%
    Payment Methods: Bank transfer, debit/credit card, SOFORT, iDeal
    iOS App : yes, Android App : yes

    LiveChat:
    Min Transfer: £10.00
    Max Transfer: £250,000.00 (SWIFT), £12,000.00 (card)
    Year Founded: 2012

  11. Visit Wise Multi-Currency Account alternative Western Union Singapore Visit Western Union Singapore

    Used By: 150000000
    Currencies Available: 38
    Transfer Fees: up to 3%
    Payment Methods: Bank deposit, cash pick-up, mobile wallet
    iOS App : yes, Android App : yes

    LiveChat: yes
    Min Transfer: S$1.00
    Max Transfer: S$10,000.00 (can be even lower depending on the currency)
    Year Founded: 1851

What Is The Cheapest Way To Transfer Money In Zimbabwe?

If you are wondering how to make an international ZWD money transfer, then you need to be aware of the costs involved. While banks are a safe way to transfer money to or from Zimbabwe, they do not always offer the best rates. In addition, they may not exist in the destination country, which can make the process difficult. Hence, the cheapest way to transfer ZWD money is through an online money transfer service in Zimbabwe. To avoid paying bank fees, make use of comparison tables that can help you choose the best service.

When it comes to sending ZWD money abroad, using an online service can help you avoid expensive fees and exchange rates. While many online money transfer services in Zimbabwe offer free services, others require high fees and markups. When making international Zimbabwean transfers, it is important to know which method will be the most cost-effective for you.

Least Expensive Way To Transfer In Zimbabwe Money Internationally?

The cheapest way to transfer ZWD money internationally depends on several factors, including the destination, amount, and country. Generally, you can send ZWD money to a foreign bank account via bank Zimbabwean transfers, but it is important to avoid generalized cash apps. These are likely to be more expensive and contain hidden fees. If you are worried about the safety of your ZWD money while sending ZWD money abroad, you should avoid generalized cash apps.

Banks may seem like a reasonable choice for sending ZWD money overseas, but you need to be aware of the fees that come with these methods. Banks often charge different fees for sending and receiving money to or from Zimbabwe, so make sure you carefully compare the fees of different banks before making a decision. The best option is to use an online money transfer service in Zimbabwe.

Why Is A Money Transfer Useful In Zimbabwe?

If you want to send ZWD money internationally, using a money transfer service in Zimbabwe is a great way to save money to or from Zimbabwe. Specialist companies have lower Zimbabwean transfer fees than banks, while providing the same level of security and reliability. money transfer fees vary between specialist companies in Zimbabwe, depending on the amount and destination of your Zimbabwean transfer. Compare the costs, security and ease of use of different services to decide which one is right for you. Then, use this tool to send ZWD money online with confidence.

Wire transfers in Zimbabwe are popular both domestically and internationally. They are fast and easy to exchange to foreign currency with ZWD, which makes them a popular option for urgent Zimbabwean transfers. While domestic Zimbabwean transfers take a day or two, international Zimbabwean transfers typically take a few days. Limits vary by money transfer provider in Zimbabwe, but tend to be high. Wire transfers in Zimbabwe are commonly used to send invoices, funds among friends, or for real estate transactions.

How To Transfer ZWD Money From Your Bank Account Cheaply

Whether you need to send a large sum of ZWD money to family or friends, you can use online services to do it. Many Zimbabwean banks will allow you to transfer ZWD money without a fee, but the specifics of the process vary from bank to bank. Banks are generally required to have a minimum balance in a savings or checking account before you can Zimbabwean transfer funds. However, local banks in Zimbabwe typically do not charge you for making Zimbabwean transfers.

When transferring ZWD money from one bank account to another, you must know the bank's routing and account numbers. Some Zimbabwean and international banks have smartphone applications that allow you to complete the Zimbabwean transfer. You can also visit a branch to make a cash payment into the account of the person you owe. While most banks accept online Zimbabwean transfers, a personal check is required in some cases. Banks also have automated recording systems and customer service representatives that walk you through the process step by step.

If you need to make a Zimbabwean transfer, the first thing to do is to determine how much you want to send. If you are sending ZWD money to someone else, make sure that the other account has enough ZWD money to cover the amount. If not, the transaction will be declined and you will be charged a fee. You can also use online banking or mobile banking to make the Zimbabwean transfer. Once you have decided how much to Zimbabwean transfer, you can go ahead and complete the transaction.

Once you have established which accounts need to be linked, you can set up internal Zimbabwean transfers, also known as ACH Zimbabwean transfers. To do this, log into the first bank's website or mobile app. Then, select the receiving bank. In some cases, you can choose between internal and external Zimbabwean transfers. Depending on the bank, you can use an internal Zimbabwean transfer to send ZWD money within the same bank, while external Zimbabwean transfers are made to a different one.

What Is A Low Cost Way To Transfer Money To A Bank Account From Zimbabwe?

A bank account Zimbabwean transfer is a method of electronic payment that sends ZWD money from one bank account to another. This works when a person instructs their bank to transfer ZWD money to another account. When making a Zimbabwean transfer, make sure you know the person's bank's account number and routing number. If the payment is small and simple, a wire Zimbabwean transfer may be the most cost-effective and quickest option. Moreover, wire transfers in Zimbabwe take less than 24 hours. However, remember that wire transfers in Zimbabwe do not occur on weekends or bank holidays. In such a case, you may want to opt for another, quicker method.

How To Make A Low Cost Money Transfer In Zimbabwe

If you want to transfer ZWD money from one bank account to another, you must provide the routing number and account number of the bank that you wish to Zimbabwean transfer the ZWD money to. Generally, if both accounts are in your name, Zimbabwean transferring ZWD money is easy. However, if you do not have the routing number of the bank that you plan to Zimbabwean transfer to, you may need to make use of a wire Zimbabwean transfer or a third-party payment provider.

It is also important to make sure that the recipient's bank account is verified before sending and money to or from Zimbabwe. Many Zimbabwean banks have a feature that warns users of suspicious transactions. Whether this alert makes you think twice about sending money to or from Zimbabwe, double-check the recipient's bank account information. Once you have verified the bank account, you can then proceed to complete the Zimbabwean money transfer. Be sure to enter the recipient's account details and specify the date of the Zimbabwean transfer.

Details Needed To Transfer Money To And From Zimbabwe

To make a ZWD money transfer, you will need to give the recipient the details of their bank account and financial institution. You should make sure that the details you provide are accurate, as any mistakes could result in the ZWD money not reaching the right recipient. If you are sending ZWD money internationally, make sure to check with your bank to see if the Zimbabwean transfer method is approved. Once you have approved a Zimbabwean transfer, you can then proceed with Zimbabwean transferring the money to or from Zimbabwe.

Bank account details will vary depending on the destination. The recipient's SWIFT/BIC code and IBAN number will be required. The recipient's address will also be needed be that in Zimbabwe or internationally. You may be asked to provide additional information, such as a reason for the Zimbabwean transfer, such as a gift. Depending on your bank, you may also have to present identification. If you have an online account, you can also use this service to send ZWD money overseas.

Before making the payment, you should verify the recipient's bank account and identify the country where they live. Sometimes, money transfers in Zimbabwe may also require the receiver to provide government-issued identification. If you are using a debit card, you may also need to provide the receiver's full address. If the ZWD money is being sent overseas, the recipient may also have to show a government-issued ID.

How Long Does It Take For The Money To Be Transferred To And From Zimbabwe?

Wire transfers in Zimbabwe are another way to transfer ZWD money between different banks. Wire transfers in Zimbabwe, which are often faster than bank-to-bank Zimbabwean transfers, involve Zimbabwean transferring ZWD money between accounts that are located on different continents. You can request a wire Zimbabwean transfer at a bank branch near you, over the phone, or online. But you must keep in mind that wire transfers in Zimbabwe usually take longer than domestic ones, as they are sent across multiple countries and have a high fee.

Domestic wire transfers in Zimbabwe can take up to 24 hours, while international ones can take up to five business days. In addition, wire transfers in Zimbabwe are not completed on federal holidays and weekends. However, some banks make wired funds available to recipients instantly. International wire transfers in Zimbabwe officially take upto five days, depending on the banks involved and time zones and of course fiat currency and exchange rates. Once you have completed the Zimbabwean transfer, the ZWD money should arrive in the recipient's account within the timeframe you specified.

What Does Confirmation Of Payee Mean For Zimbabwe Money Transfers?

First, you must provide the full name of the Zimbabwean or international payee. You should use their business or trading name when paying someone else. You can't always be certain of a Zimbabwean or international recipient's name, so you may need to ask them for the correct one. In any case, make sure that the name on the payment receipt matches the name listed on the confirmation of Zimbabwean or international payee. Confirmation of payee is available only if you are paying someone through online banking.

Confirmation of Payee is an additional security feature offered by many Zimbabwean and international banks. It checks the account name and number against the payee's records to ensure that the transaction is legitimate. it helps reduce fraud and improves your confidence in your payee in or outside Zimbabwe. This feature is available for both one-off payments and standing orders, so you can rest assured that your payment is going to the right place.

Avoiding Issues With Zimbabwean Bank Transfers

Delays and interruptions in bank Zimbabwean transfers can be inconvenient and time-wasting. If you understand why some bank Zimbabwean transfers take longer than expected, you can avoid these problems. While most bank Zimbabwean transfers should be processed within a few hours, it is possible that some transactions take up to two hours or overnight - or even the next business day. This is due to various factors, such as security checks, bank holidays, and reasons for the Zimbabwean transfer.

Make sure that you have sufficient funds in your checking account or online money transfer account in Zimbabwe before making a ZWD money transfer. You should also ensure that the recipient's account is in a good balance, as you may be charged an overdraft fee if there is insufficient funds in the account. Banks also require that you have the recipient's bank account details to complete the Zimbabwean transfer. If you do not have access to the internet, visit a branch and talk to an agent in Zimbabwe.

Using And Paying With Debit Card For Money Transfers In Zimbabwe

Using and paying with a Zimbabwean debit card has many benefits. For one thing, it prevents overspending because there is no Zimbabwean credit limit to worry about. Many Zimbabwean debit cards come with a daily spending limit that you can stay under. People who use debit cards in Zimbabwe to send money are far less likely to get into debt and are more likely to stick to their money transfer and spending limits.

How Does A Zimbabwean Debit Card Work For Money Transfers?

You can use your debit card in Zimbabwe for many of the same transactions you would with a Zimbabwean credit card. These transactions include online purchases, car rentals, airline reservations, hotel stays as well as local and international money transfers from Zimbabwe. The Zimbabwean debit card also has overdraft protection that allows you to overdraw your account without a credit check, although this means an overdraft fee of up to 35 ZWD. A debit card will not work in the same way, however, if you need to make a large purchase in Zimbabwe.

When using a Zimbabwean debit card, you should always keep your balance updated. Many businesses, such as fuel stations, will put a 50 - 100 ZWD hold on your card, then charge you the actual cost of vehicle fuel. You can then lift the hold to free up the available funds in your Zimbabwean checking account. However, you should avoid making purchases in these circumstances, as this can put a hold on your account. If you are traveling, you might want to set up a separate account for in Zimbabwe for money transfers.

The Zimbabwean debit card is also called a payment card or bank card, and it is used for online purchases. Like credit cards, it takes ZWD money directly out of your checking account, so it is easy to withdraw cash quickly. You can also use a debit card to make purchases, like dining out, without having to carry cash in Zimbabwe. Debit cards usually have a PIN, or personal identification number. You can change this PIN at any time online or by calling your bank in Zimbabwe if you forget it.

Charges And Fees On Money Transfers Using Debit Cards In Zimbabwe

As money senders in Zimbabwe, you may be wondering what fees and charges are associated with debit cards. There are several reasons why Zimbabwean banks and other institutions charge such fees. For one, they make less ZWD money when you use your card. Second, the amount of ZWD money you spend with your debit card will directly affect your bank account. That is why some institutions charge monthly fees in Zimbabwe. While the amounts charged vary, most charge between 5 and 10 ZWD per month.

Zimbabwean Debit card rates vary depending on the issuing bank and other factors. The types of debit cards and how they are used affect their fees. For example, PIN-verified debit cards carry lower interchange rates than signature-verified cards. Additionally, PIN-verified cards charge a higher transaction fee per transaction for local Zimbabwean and international money transactions.

Cash Withdrawals When Using A Debit Card For Money Transfers in Zimbabwe

Many Zimbabwean banks offer to increase their daily and ATM withdrawal limits, and you can usually negotiate a higher limit with your Zimbabwean bank. The limit may be higher than what you need, so you can either upgrade your account or find another Zimbabwean bank that offers higher limits. Keep in mind that there are limits and restrictions on the amount of cash you can withdraw, so be sure to understand them before you use your debit card.

Although Zimbabwean debit cards are convenient for making purchases, many banks also offer cash advances. This service is especially useful if you have already exceeded your daily ATM limit in Zimbabwe and need more cash quickly. However, it is important to note that your withdrawal limit varies from bank to bank in Zimbabwe, and will depend on your account type.

How Does A Bank Account Money Transfer Work In Zimbabwe?

When you want to transfer ZWD money from one bank account to another, you must know the details of each bank. Usually, you can deduce the name of the account and the address of its owner in Zimbabwe. It is easy to identify the type of Zimbabwean bank if both accounts are yours, but you should still verify these information. For larger money transfer amounts, you can use wire transfers in Zimbabwe. Depending on your situation, you may need to use the routing number of the account receiving the Zimbabwean transfer.

One of the main advantages of wire transfers in Zimbabwe is the speed and convenience. If you want to send a large amount of ZWD money quickly, a wire Zimbabwean transfer is the best option. Despite the speed and convenience of a wire Zimbabwean transfer, it is not entirely safe and requires the account owner to have sufficient funds to cover the amount. However, wire transfers in Zimbabwe are also one of the most secure ways to transfer money to or from Zimbabwe.

Can I Pay Using A Zimbabwean Bank Account Transfer To My Sending Country?

You should find a provider in Zimbabwe that offers competitive exchange rates. This will increase the value of your money to or from Zimbabwe, as the exchange rate will be higher. Some providers charge transaction fees, and their fees can be as much as 60 ZWD. Some of them waive these fees for large amounts. Another consideration is whether the provider supports the currency you want to Zimbabwean transfer.

If you do not want to pay a fee, consider sending ZWD money to a friend or relative in your own country to send money by bank account transfer cross border from Zimbabwe. This method is just as easy as making a domestic payment from Zimbabwe. However, Zimbabwean banks usually charge a fee for international payments, so it is worth checking the details of your sender and recipient to ensure that you're getting everything right with your Zimbabwean money transfer.

Extra Fees For Transfer Money Using A Bank Account In Zimbabwe?

When paying by bank account Zimbabwean transfer, you can save ZWD money on processing fees. Most banks process payments on the same day, but some may take two or three business days to complete the money transaction from Zimbabwe. If you have trouble paying via ACH in Zimbabwe, you can write a check and post it instead. You can avoid the fees, too, by using your own bank account in Zimbabwe. However, writing a check is much safer than sending it via the Zimbabwean postal system.

You will need to provide your Zimbabwean social security number and email address to use online banking services in Zimbabwe. Once you have done this, you will need to enter your account number and the recipient's account number on your online banking service or money transfer service in Zimbabwe or download the bank's mobile app. Most banks in Zimbabwe also provide an online banking service. To use online banking in Zimbabwe, you will need to provide the person's account number, social security number, tax ID number, and email address.

Can Money Transfers Be Made Using Someone Else's Bank Account In Zimbabwe

Yes, you can. While bank-to-bank Zimbabwean transfers can take up to a few days to process, you can expect the ZWD money to arrive in the recipient's account the same day or the next business day. However, wire transfers in Zimbabwe are faster and require your recipient's routing number and account number. This way, you will not have to worry about sending a check or worrying about the security of the money to or from Zimbabwe.

Sometimes, people need ZWD money fast and cannot hand it over in cash. In such a case, they can Zimbabwean transfer it into the recipient's bank account. There are different methods of sending money to or from Zimbabwe, depending on the recipient's bank account number, the amount of ZWD money and the fees involved. The most basic method involves asking a teller to deposit cash into the recipient's account, giving them their full name and bank account number.

How Long Does A Money Transfer Refund Take In Zimbabwe?

If you made a purchase with a debit card, the amount of time it takes to receive a refund is usually 5 to 10 business days. This is because the ZWD money has to be processed by both the provider and the bank that issued the card. Refunds can take longer in some cases, and processing times depend on the currency you used. You can find the information you need at the bottom of your confirmation page.

Once you have completed the return, the bank will refund you via the same method you used to pay for it. You will need to provide the credit card or receipt that you used to purchase the item in Zimbabwe. The refund amount will then be credited to your account. If you have made a payment online, you can do this as soon as 24 hours in Zimbabwe. You can also check your account details online.

How To Use Banker's Drafts And Cheques To Send Money In Zimbabwe

For large purchases, bank drafts are often preferred over cheques in Zimbabwe. Compared to other forms of payment, bank drafts are easier to use and have fewer restrictions in Zimbabwe. Because you do not have to provide the bank account information of the person you are paying, bank drafts are more convenient to carry than ZWD cash. They also have no limit on the amount and cannot be cancelled once they are delivered in Zimbabwe. Therefore, bank drafts are the most common form of payment for large purchases in Zimbabwe, especially those that take place across borders.

Bank drafts are convenient and safe for large payments. Most reputable Zimbabwean and international financial institutions issue bank drafts in various currencies, and they are covered by financial regulation in Zimbabwe. However, like all types of cash, Zimbabwean bank drafts are prone to theft and loss. Therefore, it is important to consider all the options and make a decision on how to send money in a low cost way in Zimbabwe. You should be able to find a financial institution near you in Zimbabwe that offers bank drafts and cheques.

The Difference Between Direct Debits and Standing Orders When Sending Money To And From Zimbabwe

The difference between Zimbabwean Direct Debits and standing order payments is fairly straightforward, but you should know the differences between the two to make the right choice. Zimbabwean Direct debits are paid automatically on a fixed date and you can change the amount at any time, while standing orders are set up at a time and date you choose. Standing orders are particularly useful for paying fixed costs.

Zimbabwean Direct Debits are more convenient, but they rely on your customers managing their accounts well. You must have sufficient funds to cover the Direct Debit amount, or your payment will be declined and you will have to wait for the ZWD money to clear before it reaches your bank. However, if you have an account with a Zimbabwean Direct Debit, you can use it to collect recurring invoice payments or monthly business bills.

How To Set Up A Direct Debit To Regularly Send Money In Zimbabwe

Zimbabwean Direct Debit is a convenient and fast way for you to make recurring payments. Most businesses and customers in Zimbabwe prefer this method over other payment options in Zimbabwe. It allows Zimbabwean and international recipients receive regular payments without the hassle of remembering to make their payments. This method is also beneficial for one-off payments from Zimbabwe because it ensures a consistent payment each month. It is easy to set up a Zimbabwean Direct Debit with an online money transfer service in Zimbabwe or your Zimbabwean bank.

When setting up a Zimbabwean Direct Debit, you should consider the benefits that the service provides. Zimbabwean Direct Debit payments are handy for paying regular bills, and they also eliminate the risk of late payment fines in Zimbabwe. The process is safe because your Zimbabwean bank will refund you if a payment is missed or incorrectly made. However, make sure you track your payments to avoid missing any, and set reminders so that you do not miss any money transfer payments you plan to make regularly to and from Zimbabwe.

Best Low Cost Money Transfers in Zimbabwe Zimbabwe Reviews

We list reviews for the best Low Cost Money Transfers in Zimbabwe related money services below.

Low Cost Money Transfers in Zimbabwe Zimbabwe Alternatives Guides

If you would like to see some of the best Low Cost Money Transfers in Zimbabwe related services compared against their best Low Cost Money Transfers in Zimbabwe alternatives available right now. Learn more about Low Cost Money Transfers in Zimbabwe alternatives by clicking on the links below.