Using UBS e-banking, you transfer 1,000 US dollars from your UBS account to a beneficiary in the US. You want the recipient to be credited with the full amount and will thus cover any charges yourself. You pay the UBS service charge of 5 francs and the third-party charge of 20 dollars. The foreign banks in the payment chain charge their costs to UBS later on. These charges are covered by the flat-rate third-party charge and do not have to be paid by you.
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