There you go, good news, you were getting alarmed unnecessarily.
BTW. Just something to keep in the back of your mind.... is security of deposits with overseas based providers. I'm thinking IBKR would be totally unsecured (as they are at JD too). But of course JD, like BNZ is domiciled in NZ, so you potentially would have a little less of a fight on your hands if the "poo hits the fan".
FWIW: JD's USD current rates, start at 3.55% and increase the higher the account balance.
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