Research note · educational explanationPrepared 5 November 2026

Map the stages

Start with the amount leaving the original account. Compare it with the balance credited, and later with the amount actually received on withdrawal. Use the same currency and account for the comparison where possible.

Separate fixed and percentage charges

A fictional $2 fee on a $20 transfer is 10%, while the same fee on $200 is 1%. A percentage charge scales differently. Record both the amount and basis rather than labelling every method cheap or expensive.

Avoid unsupported rankings

A cashier screenshot for one country or currency does not establish worldwide pricing. Current fees need a dated policy and an applicable account context. If only a generic logo list is visible, the fee remains unconfirmed.

Quick checklist

  • Operator charge
  • Provider charge
  • Exchange spread
  • Amount received

Sources & scope

Primary documents are linked below. Operator statements and independently checked records are different kinds of evidence.

Source review: 5 November 2026. Links can change. No transaction or customer-support test is implied.

About this explanation

Numerical examples are hypothetical unless a source is expressly identified. This page does not recommend an operator or promise an outcome. The UK regulator references explain technical terms; they are not Australian legal guidance.

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