As I understand it, doing a normal transfer, you are limited to 50k in or out of an account. So your plan to transfer 50k from each of your parents will be blocked as your account is limited to 50k inbound. Now should your parents wish to gift you an award costing 100k (whether gifting the full 100k or topping off your account to make 100k), they can call MR to set it up. Reports are should you later cancel that award, the 100k will return to your account. Yes, a subtle difference and could be considered deceptive if done deliberately, not sure if it would fall into fraudulent and risk consequences.