Deposit - It the function is for Topping up the account, the account is charged after you have topped up ythe account and funds have been cleared for use.

Transfer - Is the function that permits you to remit funds between account holders. The account is charged after you have successfully remitted funds to another account.

Withdraw - Is the function that permits a wire remittance that is sent from your account to a bank account or and external wallet, if its been permitted. The account is charged after you have successfully ordered the remittance.

Convertion / Swap currency - Is the function that permits Currency conversion within the account.