Torrevieja Forum - Information coming soon!
I would say either the rate that is on the day your pension arrives in Spain or the rate on the day that it arrives in your account. Never checked it thoroughly but doesn´t seem to be much in it either way.
It is not possible to say what rate you will get other than you will get very near the echange rate ate the time it is transferred Thats why I have mine paid into a UK bank then I tranfsfer it using Transferwise when I can see that the rate is good
All currency exchange rates constantly move, they change about every two seconds, so the chances of pin pointing an exact rate is about 10 billion to 1
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Liberty are very good