Guides

Is a "zero-fee" transfer really free? How FX markups work

How exchange-rate markups hide the real cost of international transfers, with a worked table at today's reference rate.

Why did 1,000 arrive as 980? Intermediary bank fees explained

SWIFT intermediary bank deductions and how to choose between the OUR, SHA and BEN charge options.

How to send money to China from abroad (2026): methods, limits and documents

A practical guide to sending money to China: bank cards vs Alipay and WeChat, the USD 50,000 yearly quota, name matching, documents and how to compare costs.