Best U.S. Dollar / Malaysian Ringgit Exchange Rate Today: 4.5081
Our comparison table and live data feed show the top euro rate you're likely to achieve for international payments is 4.4946, and the most competitive travel money / cash rates start at approximately 4.4675.
Live rate: 1 USD = 4.5081 MYR (+0.09% )
Inverted: 1 MYR = 0.2218 USD
Click here for our full travel and holiday rates comparison tool.
Comparison Results:
| Provider | Exchange Rate | Fee | You Get | Service | Notes | Action |
Live Market Rate | 4.5081 | 0 | 4.4630 | |||
 | 4.4946 (indicative) | 0 | 4.4946 | International Payments and Transfers | Experts in international money transfers for business and individuals, delivering industry-beating exchange rates. | |
 | 4.4765 (indicative) | 0 | 4.4765 | International Payments and Transfers | Indicative Dealing Desk Quote. Rate can only be applied to transfers in excess of £2000 equivalent. | |
 | 4.5081 | 0.71% | 4.4761 | Best Multi-Currency Card | One currency card for all your travels. Use it instantly as a digital card and top-up from the app, with the mid-market rate. 40+ currencies. Save up to 87% when you spend internationally. | |
 | 4.4675 | 0 | 4.4675 | Holiday FX, Cash Delivery | A specialist alternative to banks, bureau de change & the Post Office for clients seeking competitive currency exchange rates. A multiple award-winning company, offering free delivery (over £700.00), no commission charges, payment by Debit Card or Bank Transfer and typically offering the best exchange rates available. | |
Best Bank Rate  | 4.3819 (upper range) | Variable | 4.3819 | Payments, transfers, holiday money | Determined using data on spread charges supplied by IMTI | |
Worst Bank Rate | 4.3503 (lower range) | Variable | 4.3503 | Payments, transfers, holiday money | Determined using data on spread charges supplied by Money Mover and Accourt | |
Paypal  | 4.3052 | 0 | 4.3052 | International Payments and Transfers |
USD/MYR Live Chart and Data
Set Alert« | » |
January - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | 2 Open: 4.5879 Close: 4.6064 Mid: 4.5977 | 3 Open: 4.6075 Close: 4.6035 Mid: 4.6186 | 4 Open: 4.6061 Close: 4.6336 Mid: 4.6223 | 5 Open: 4.6344 Close: 4.6373 Mid: 4.6425 | 6 | |
7 | 8 Open: 4.6382 Close: 4.6540 Mid: 4.6464 | 9 Open: 4.6533 Close: 4.6440 Mid: 4.6482 | 10 Open: 4.6450 Close: 4.6435 Mid: 4.6472 | 11 Open: 4.6436 Close: 4.6414 Mid: 4.6423 | 12 Open: 4.6417 Close: 4.6461 Mid: 4.6439 | 13 |
14 | 15 Open: 4.6464 Close: 4.6647 Mid: 4.6556 | 16 Open: 4.6653 Close: 4.6470 Mid: 4.6675 | 17 Open: 4.6502 Close: 4.7175 Mid: 4.6847 | 18 Open: 4.7176 Close: 4.7175 Mid: 4.7175 | 19 Open: 4.7177 Close: 4.7140 Mid: 4.7161 | 20 |
21 | 22 Open: 4.7141 Close: 4.7188 Mid: 4.7192 | 23 Open: 4.7196 Close: 4.7265 Mid: 4.7277 | 24 Open: 4.7264 Close: 4.7267 Mid: 4.7307 | 25 Open: 4.7315 Close: 4.7315 Mid: 4.7315 | 26 Open: 4.7319 Close: 4.7312 Mid: 4.7308 | 27 |
28 | 29 Open: 4.7313 Close: 4.7285 Mid: 4.7308 | 30 Open: 4.7284 Close: 4.7336 Mid: 4.7313 | 31 Open: 4.7331 Close: 4.7283 Mid: 4.7306 |
February - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.7295 Close: 4.7292 Mid: 4.7294 | 2 Open: 4.7288 Close: 4.7267 Mid: 4.7250 | 3 | ||||
4 | 5 Open: 4.7285 Close: 4.7480 Mid: 4.7445 | 6 Open: 4.7500 Close: 4.7516 Mid: 4.7585 | 7 Open: 4.7522 Close: 4.7649 Mid: 4.7591 | 8 Open: 4.7648 Close: 4.7627 Mid: 4.7642 | 9 Open: 4.7639 Close: 4.7696 Mid: 4.7707 | 10 |
11 | 12 Open: 4.7693 Close: 4.7658 Mid: 4.7672 | 13 Open: 4.7655 Close: 4.7652 Mid: 4.7653 | 14 Open: 4.7653 Close: 4.7687 Mid: 4.7726 | 15 Open: 4.7694 Close: 4.7850 Mid: 4.7775 | 16 Open: 4.7845 Close: 4.7804 Mid: 4.7814 | 17 |
18 | 19 Open: 4.7802 Close: 4.7817 Mid: 4.7806 | 20 Open: 4.7822 Close: 4.7826 Mid: 4.7859 | 21 Open: 4.7833 Close: 4.7981 Mid: 4.7911 | 22 Open: 4.7976 Close: 4.7844 Mid: 4.7867 | 23 Open: 4.7842 Close: 4.7775 Mid: 4.7804 | 24 |
25 | 26 Open: 4.7774 Close: 4.7784 Mid: 4.7773 | 27 Open: 4.7774 Close: 4.7770 Mid: 4.7739 | 28 Open: 4.7757 Close: 4.7640 Mid: 4.7683 | 29 Open: 4.7644 Close: 4.7525 Mid: 4.7591 |
March - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.7520 Close: 4.7455 Mid: 4.7455 | 2 | |||||
3 | 4 Open: 4.7456 Close: 4.7271 Mid: 4.7364 | 5 Open: 4.7270 Close: 4.7285 Mid: 4.7267 | 6 Open: 4.7302 Close: 4.7320 Mid: 4.7351 | 7 Open: 4.7306 Close: 4.7320 Mid: 4.7168 | 8 Open: 4.7281 Close: 4.6890 Mid: 4.7086 | 9 |
10 | 11 Open: 4.6868 Close: 4.6839 Mid: 4.6843 | 12 Open: 4.6834 Close: 4.6803 Mid: 4.6819 | 13 Open: 4.6803 Close: 4.6775 Mid: 4.6827 | 14 Open: 4.6783 Close: 4.6880 Mid: 4.6832 | 15 Open: 4.6885 Close: 4.9735 Mid: 4.8340 | 16 |
17 | 18 Open: 4.9677 Close: 4.7045 Mid: 4.8361 | 19 Open: 4.7055 Close: 4.7309 Mid: 4.7182 | 20 Open: 4.7351 Close: 4.7336 Mid: 4.7358 | 21 Open: 4.7317 Close: 4.7093 Mid: 4.7184 | 22 Open: 4.7108 Close: 4.7379 Mid: 4.7244 | 23 |
24 | 25 Open: 4.7379 Close: 4.7245 Mid: 4.7316 | 26 Open: 4.7241 Close: 4.7215 Mid: 4.7222 | 27 Open: 4.7218 Close: 4.7305 Mid: 4.7262 | 28 | 29 Open: 4.7311 Close: 4.7265 Mid: 4.7301 | 30 |
31 |
April - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.7263 Close: 4.7249 Mid: 4.7255 | 2 Open: 4.7351 Close: 4.7502 Mid: 4.7427 | 3 Open: 4.7504 Close: 4.7538 Mid: 4.7516 | 4 Open: 4.7526 Close: 4.7421 Mid: 4.7474 | 5 Open: 4.7418 Close: 4.7475 Mid: 4.7444 | 6 | |
7 | 8 Open: 4.7478 Close: 4.7525 Mid: 4.7502 | 9 Open: 4.7523 Close: 4.7480 Mid: 4.7502 | 10 | 11 | 12 Open: 4.7498 Close: 4.7604 Mid: 4.7551 | 13 |
14 | 15 Open: 4.7615 Close: 4.7707 Mid: 4.7661 | 16 Open: 4.7717 Close: 4.7770 Mid: 4.7824 | 17 Open: 4.7780 Close: 4.7898 Mid: 4.7839 | 18 Open: 4.7900 Close: 4.7907 Mid: 4.7846 | 19 Open: 4.7906 Close: 4.7831 Mid: 4.7868 | 20 |
21 | 22 Open: 4.7831 Close: 4.7836 Mid: 4.7823 | 23 Open: 4.7834 Close: 4.7778 Mid: 4.7803 | 24 Open: 4.7776 Close: 4.7785 Mid: 4.7774 | 25 Open: 4.7789 Close: 4.7863 Mid: 4.7830 | 26 Open: 4.7855 Close: 4.7712 Mid: 4.7784 | 27 |
28 | 29 Open: 4.7715 Close: 4.7726 Mid: 4.7730 | 30 Open: 4.7723 Close: 4.7675 Mid: 4.7699 |
May - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.7725 Close: 4.7725 Mid: 4.7725 | 2 Open: 4.7723 Close: 4.7608 Mid: 4.7666 | 3 Open: 4.7602 Close: 4.7363 Mid: 4.7481 | 4 | |||
5 | 6 Open: 4.7366 Close: 4.7395 Mid: 4.7381 | 7 Open: 4.7397 Close: 4.7403 Mid: 4.7402 | 8 Open: 4.7404 Close: 4.7455 Mid: 4.7430 | 9 Open: 4.7453 Close: 4.7408 Mid: 4.7431 | 10 Open: 4.7402 Close: 4.7387 Mid: 4.7388 | 11 |
12 | 13 Open: 4.7388 Close: 4.7341 Mid: 4.7394 | 14 Open: 4.7340 Close: 4.7178 Mid: 4.7254 | 15 Open: 4.7170 Close: 4.7061 Mid: 4.7115 | 16 Open: 4.7041 Close: 4.6843 Mid: 4.6942 | 17 Open: 4.6843 Close: 4.6830 Mid: 4.6839 | 18 |
19 | 20 Open: 4.6831 Close: 4.6840 Mid: 4.6841 | 21 Open: 4.6846 Close: 4.6915 Mid: 4.6882 | 22 | 23 Open: 4.6927 Close: 4.7093 Mid: 4.7027 | 24 Open: 4.7099 Close: 4.7141 Mid: 4.7132 | 25 |
26 | 27 Open: 4.7138 Close: 4.7006 Mid: 4.7072 | 28 Open: 4.7000 Close: 4.6943 Mid: 4.6967 | 29 Open: 4.6945 Close: 4.7055 Mid: 4.7000 | 30 Open: 4.7060 Close: 4.7102 Mid: 4.7096 | 31 Open: 4.7098 Close: 4.7053 Mid: 4.7074 |
June - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | ||||||
2 | 3 Open: 4.7054 Close: 4.7075 Mid: 4.7065 | 4 Open: 4.7058 Close: 4.6972 Mid: 4.6996 | 5 Open: 4.6974 Close: 4.6980 Mid: 4.6981 | 6 Open: 4.6981 Close: 4.6945 Mid: 4.6964 | 7 Open: 4.6946 Close: 4.6935 Mid: 4.6946 | 8 |
9 | 10 Open: 4.6954 Close: 4.7097 Mid: 4.7026 | 11 Open: 4.7105 Close: 4.7203 Mid: 4.7155 | 12 Open: 4.7202 Close: 4.7177 Mid: 4.7185 | 13 Open: 4.7167 Close: 4.7096 Mid: 4.7121 | 14 Open: 4.7096 Close: 4.7154 Mid: 4.7125 | 15 |
16 | 17 | 18 Open: 4.7157 Close: 4.7145 Mid: 4.7150 | 19 Open: 4.7141 Close: 4.7091 Mid: 4.7116 | 20 Open: 4.7091 Close: 4.7105 Mid: 4.7101 | 21 Open: 4.7109 Close: 4.7112 Mid: 4.7129 | 22 |
23 | 24 Open: 4.7117 Close: 4.7119 Mid: 4.7121 | 25 Open: 4.7117 Close: 4.7071 Mid: 4.7094 | 26 Open: 4.7073 Close: 4.7118 Mid: 4.7096 | 27 Open: 4.7125 Close: 4.7194 Mid: 4.7160 | 28 Open: 4.7194 Close: 4.7194 Mid: 4.7198 | 29 |
30 |
July - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.7176 Close: 4.7161 Mid: 4.7169 | 2 Open: 4.7162 Close: 4.7200 Mid: 4.7182 | 3 Open: 4.7198 Close: 4.7192 Mid: 4.7196 | 4 Open: 4.7186 Close: 4.7113 Mid: 4.7150 | 5 Open: 4.7111 Close: 4.7105 Mid: 4.7099 | 6 | |
7 | 8 | 9 Open: 4.7104 Close: 4.7095 Mid: 4.7104 | 10 Open: 4.7094 Close: 4.7041 Mid: 4.7068 | 11 Open: 4.7033 Close: 4.6892 Mid: 4.6963 | 12 Open: 4.6886 Close: 4.6685 Mid: 4.6785 | 13 |
14 | 15 Open: 4.6689 Close: 4.6721 Mid: 4.6716 | 16 Open: 4.6725 Close: 4.6771 Mid: 4.6752 | 17 Open: 4.6769 Close: 4.6696 Mid: 4.6733 | 18 Open: 4.6689 Close: 4.6664 Mid: 4.6674 | 19 Open: 4.6670 Close: 4.6729 Mid: 4.6700 | 20 |
21 | 22 Open: 4.6738 Close: 4.6873 Mid: 4.6806 | 23 Open: 4.6869 Close: 4.6739 Mid: 4.6804 | 24 Open: 4.6740 Close: 4.6721 Mid: 4.6731 | 25 Open: 4.6720 Close: 4.6640 Mid: 4.6681 | 26 Open: 4.6643 Close: 4.6564 Mid: 4.6604 | 27 |
28 | 29 Open: 4.6563 Close: 4.6366 Mid: 4.6461 | 30 Open: 4.6365 Close: 4.6260 Mid: 4.6331 | 31 Open: 4.6251 Close: 4.6044 Mid: 4.6148 |
August - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.6036 Close: 4.5680 Mid: 4.5817 | 2 Open: 4.5679 Close: 4.5073 Mid: 4.5376 | 3 | ||||
4 | 5 Open: 4.5019 Close: 4.4187 Mid: 4.4590 | 6 Open: 4.4208 Close: 4.4728 Mid: 4.4474 | 7 Open: 4.4726 Close: 4.4877 Mid: 4.4830 | 8 Open: 4.4875 Close: 4.4745 Mid: 4.4798 | 9 Open: 4.4750 Close: 4.4175 Mid: 4.4466 | 10 |
11 | 12 Open: 4.4178 Close: 4.4476 Mid: 4.4327 | 13 Open: 4.4476 Close: 4.4556 Mid: 4.4507 | 14 Open: 4.4556 Close: 4.4195 Mid: 4.4376 | 15 Open: 4.4199 Close: 4.4325 Mid: 4.4287 | 16 Open: 4.4328 Close: 4.4359 Mid: 4.4412 | 17 |
18 | 19 Open: 4.4351 Close: 4.3818 Mid: 4.4051 | 20 Open: 4.3818 Close: 4.3812 Mid: 4.3746 | 21 Open: 4.3802 Close: 4.3744 Mid: 4.3754 | 22 Open: 4.3740 Close: 4.3785 Mid: 4.3757 | 23 Open: 4.3793 Close: 4.3740 Mid: 4.3824 | 24 |
25 | 26 Open: 4.3741 Close: 4.3722 Mid: 4.3599 | 27 Open: 4.3706 Close: 4.3485 Mid: 4.3596 | 28 Open: 4.3482 Close: 4.3425 Mid: 4.3453 | 29 Open: 4.3426 Close: 4.3137 Mid: 4.3282 | 30 Open: 4.3140 Close: 4.3197 Mid: 4.3165 | 31 |
September - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | 2 Open: 4.3202 Close: 4.3512 Mid: 4.3357 | 3 Open: 4.3514 Close: 4.3683 Mid: 4.3653 | 4 Open: 4.3679 Close: 4.3534 Mid: 4.3559 | 5 Open: 4.3524 Close: 4.3375 Mid: 4.3417 | 6 Open: 4.3372 Close: 4.3312 Mid: 4.3328 | 7 |
8 | 9 Open: 4.3323 Close: 4.3799 Mid: 4.3564 | 10 Open: 4.3790 Close: 4.3418 Mid: 4.3604 | 11 Open: 4.3416 Close: 4.3297 Mid: 4.3341 | 12 Open: 4.3302 Close: 4.3340 Mid: 4.3327 | 13 Open: 4.3340 Close: 4.3050 Mid: 4.3195 | 14 |
15 | 16 Open: 4.3010 Close: 4.3010 Mid: 4.3010 | 17 Open: 4.3009 Close: 4.2715 Mid: 4.2862 | 18 Open: 4.2709 Close: 4.2431 Mid: 4.2548 | 19 Open: 4.2431 Close: 4.2195 Mid: 4.2436 | 20 Open: 4.2191 Close: 4.1999 Mid: 4.2000 | 21 |
22 | 23 Open: 4.2005 Close: 4.2050 Mid: 4.2077 | 24 Open: 4.2050 Close: 4.1995 Mid: 4.1792 | 25 Open: 4.1961 Close: 4.1361 Mid: 4.1591 | 26 Open: 4.1370 Close: 4.1438 Mid: 4.1376 | 27 Open: 4.1437 Close: 4.1236 Mid: 4.1329 | 28 |
29 | 30 Open: 4.1235 Close: 4.1224 Mid: 4.1127 |
October - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.1225 Close: 4.1702 Mid: 4.1464 | 2 Open: 4.1700 Close: 4.1709 Mid: 4.1668 | 3 Open: 4.1725 Close: 4.2167 Mid: 4.1946 | 4 Open: 4.2170 Close: 4.2215 Mid: 4.2261 | 5 | ||
6 | 7 Open: 4.2214 Close: 4.2795 Mid: 4.2521 | 8 Open: 4.2796 Close: 4.2870 Mid: 4.2853 | 9 Open: 4.2870 Close: 4.2853 Mid: 4.2842 | 10 Open: 4.2859 Close: 4.2906 Mid: 4.2908 | 11 Open: 4.2905 Close: 4.2852 Mid: 4.2865 | 12 |
13 | 14 Open: 4.2857 Close: 4.2944 Mid: 4.2904 | 15 Open: 4.2948 Close: 4.3102 Mid: 4.3028 | 16 Open: 4.3105 Close: 4.2936 Mid: 4.3022 | 17 Open: 4.2938 Close: 4.3115 Mid: 4.3027 | 18 Open: 4.3113 Close: 4.3042 Mid: 4.3073 | 19 |
20 | 21 Open: 4.3038 Close: 4.3040 Mid: 4.3015 | 22 Open: 4.3053 Close: 4.3280 Mid: 4.3167 | 23 Open: 4.3280 Close: 4.3497 Mid: 4.3390 | 24 Open: 4.3498 Close: 4.3515 Mid: 4.3508 | 25 Open: 4.3508 Close: 4.3398 Mid: 4.3447 | 26 |
27 | 28 Open: 4.3406 Close: 4.3489 Mid: 4.3510 | 29 Open: 4.3497 Close: 4.3700 Mid: 4.3599 | 30 Open: 4.3698 Close: 4.3786 Mid: 4.3818 | 31 |
November - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 Open: 4.3784 Close: 4.3809 Mid: 4.3770 | 2 | |||||
3 | 4 Open: 4.3805 Close: 4.3737 Mid: 4.3718 | 5 Open: 4.3741 Close: 4.3450 Mid: 4.3598 | 6 Open: 4.3452 Close: 4.4025 Mid: 4.3741 | 7 Open: 4.4023 Close: 4.4040 Mid: 4.4108 | 8 Open: 4.4034 Close: 4.3847 Mid: 4.3929 | 9 |
10 | 11 Open: 4.3855 Close: 4.4100 Mid: 4.3978 | 12 Open: 4.4103 Close: 4.3920 Mid: 4.4115 | 13 Open: 4.3952 Close: 4.4480 Mid: 4.4274 | 14 Open: 4.4484 Close: 4.4820 Mid: 4.4675 | 15 Open: 4.4821 Close: 4.4706 Mid: 4.4787 | 16 |
17 | 18 Open: 4.4708 Close: 4.4705 Mid: 4.4726 | 19 Open: 4.4712 Close: 4.4713 Mid: 4.4700 | 20 Open: 4.4712 Close: 4.4704 Mid: 4.4693 | 21 Open: 4.4705 Close: 4.4639 Mid: 4.4684 | 22 Open: 4.4646 Close: 4.4680 Mid: 4.4685 | 23 |
24 | 25 Open: 4.4675 Close: 4.4592 Mid: 4.4612 | 26 Open: 4.4594 Close: 4.4667 Mid: 4.4633 | 27 Open: 4.4661 Close: 4.4428 Mid: 4.4532 | 28 Open: 4.4423 Close: 4.4464 Mid: 4.4433 | 29 Open: 4.4463 Close: 4.4457 Mid: 4.4407 | 30 |
December - 2024
| Sun | Mon | Tue | Wed | Thu | Fri | Sat |
1 | 2 Open: 4.4458 Close: 4.4594 Mid: 4.4549 | 3 Open: 4.4597 Close: 4.4696 Mid: 4.4661 | 4 Open: 4.4695 Close: 4.4525 Mid: 4.4591 | 5 Open: 4.4513 Close: 4.4276 Mid: 4.4349 | 6 Open: 4.4272 Close: 4.4207 Mid: 4.4241 | 7 |
8 | 9 Open: 4.4206 Close: 4.4245 Mid: 4.4256 | 10 Open: 4.4248 Close: 4.4262 Mid: 4.4271 | 11 Open: 4.4262 Close: 4.4309 Mid: 4.4271 | 12 Open: 4.4308 Close: 4.4372 Mid: 4.4336 | 13 Open: 4.4372 Close: 4.4518 Mid: 4.4456 | 14 |
15 | 16 Open: 4.4518 Close: 4.4537 Mid: 4.4539 | 17 Open: 4.4535 Close: 4.4556 Mid: 4.4526 | 18 Open: 4.4560 Close: 4.4686 Mid: 4.4640 | 19 Open: 4.4687 Close: 4.5041 Mid: 4.4872 | 20 Open: 4.5044 Close: 4.5081 Mid: 4.5063 | 21 |
22 | 23 | 24 | 25 | 26 | 27 | 28 |
29 | 30 | 31 |
Compare Exchange Rates:
Know What the Best Exchange Rate Looks Like
Benchmark the exchange rate market with Pound Sterling Live's custom currency rate comparison tool with built-in algorithms to find the best rates in the market.
Banks and financial institutions buy and sell currency from each other - these sizeable institutions are 'the market' and the rate they transact at is the 'market rate'. The difference between how much a currency is purchased and sold is the spread, which is essentially the difference between the buy and sell price.
But, when currency is sold by banks to retail customers that spread widens significantly and the profit on the transaction is therefore substantially larger.
Therefore when we focus on the transfer fee when sending money abroad we often miss the biggest cost: the exchange rate spread.
Foreign exchange providers have essentially recognised this and they enter the market to transfer money at tighter spreads, thereby saving potentially significant amounts of money for their clients simply by providing better exchange rates.
For example, the transfer of £100K into euros is expected to attract a rate that delivers between €112,480 and €113,296 with the UK's leading high street banks. But FCA authorised providers will provide a rate that delivers between €115,510 and €115,740 (using rates on 05/07/21).
Taking the time to work with a FCA regulated currency provider could therefore result in the delivery of an extra euros amount of between €2444 and €3030.
Pound Sterling Live only works with foreign exchange payment companies that are FCA Authorised. This is important: FCA regulations and oversight requires the money they transfer on your behalf to be protected through a process known as 'safeguarding'. Safeguarding requires the payments company to keep your money separate from their own money in a top-tier bank. Therefore if the provider comes under stress your money should be protected.
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