I received the 1 time code to be used b/4 August 30th....the other day I transferred some funds and the summary showed a 0 transfer fee..... I assumed the 1 time code was automatically applied, and completed the transaction..... when I checked today, it showed the transfer fee in effect with the pricing quote....however.... after I log in, my summary shows 0 fee, and I still have the I time code ...... ???????....why is WU being generous ?????.....are they raking it in on the currency trading and waiving the fee to generate more funds in transfer ?.........wish I knew a WU currency trader.