The initial graphic overlay showing fluctuating currency rates and the comparison to 'Bank rate'.

The ad opens with a close-up of a man looking at his phone in a cafe. A graphic overlay appears showing currency exchange rates fluctuating. The man then navigates through the XE app on his phone, showing currency conversion from GBP to EUR, and then a confirmation of a money transfer. The ad transitions to showing the XE logo and app interface on a phone, highlighting features like sending money, adding funds, and exchange rates. It then shows a split screen with London and Paris landmarks, indicating international money transfer capabilities. Finally, it displays the XE logo with website and app store links.