Charge transfer in collisions Na-n(+) + Cs --> Na-n + Cs+ (4 less than or e
qual to n less than or equal to 11) is investigated theoretically within a
microscopic framework. It is shown that an understanding of the measured ch
arge transfer cross-sections can be obtained only if the competing reaction
channels (electronic excitations and fragmentation) are treated simultaneo
usly and, in addition, if the initial temperature of the clusters in the be
am is taken into account. The energy dependence of the cross-sections is pr
edicted. An exotic charge transfer channel producing Cs- is found to have a
finite probability.