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Nationalised Banks: They mainly charge transaction fees and Mark-up over the market price that depends on your transaction amount and relation with the BANK.

International Money Transfer Service Providers: Most of them avoid charging transaction fees and try to make money on the markup over the market price, price depends on your negotiation skills.

**Markup on Foreign Exchange Rate: The rates that you see on BBC are live market rates and not available to retailers. However, international money transfer providers like us have access to the mid-market live rate. We try to make living by charging you a markup above the live market rate as you can not get the live market rate.