I know Rezső is the only person who can answer the question. but I have not get the answer after several email exchange. I will keep asking him, but I'd like to know your experience. it is about choosing who pays the transfer charges when making an international wire transfer. BEN, SHA, OUR are codes in a SWIFT instruction The OUR instruction means you pay all transfer charges. We receive all your payment. SHA (shared) means you only pay your bank's outgoing transfer charge. We receive your payment minus the correspondent (intermediary) bank charges. BEN (beneficiary) means you do not pay any charge. We receive your payment minus all transfer charges. Rezső said I need bear all costs of bank transfer, so it seems like I need choose "OUR", but I have checked my banks, one can use "BEN" and "SHA", the other two can only use "SHA", so it seems that I cannot choose "OUR" option which I pay all costs. how do you guys do? do you all use "OUR' to make the international wire transfer? if "SHA" is the only option, how much extra money do I need to pay so it can cover the charges?