International Bank Wire Transfers & SEPA Credit Transfers - Casino Withdrawals


Full Member
Apr 25, 2021
When participants make an international wire transfer, they can usually choose who will pay the transfer charges.

(inspiration obtained from here: Question for bank wire transfers (withdraws) from GUTS casino - Casinomeister Forum)

Most international wire transfers are done via the SWIFT network, and this network offers the payer three different expense regulation methods, which are called OUR, SHA and BEN (SWIFT standard field 71A "Details of Charges"):
  • OUR (“Remitter pays all fees” or "Sender bears all transaction fees") means: All fees will be charged to the sender of the transfer and the receiver gets the full amount submitted by the sender. These fees include the charges levied by the sending bank and any charges applied by intermediary (correspondent) banks.
    Usually, the sending bank will levy a flat fee for third-party charges and the senders will know the cost before they transfer the money. (Normally, the receiving bank does not charge fees; you can find more information in the terms of your bank.) However, experience shows that in practice it can still happen from time to time that some intermediary bank charges a fee and deducts it from the amount transferred. Unfortunately, the overall process is non-transparent and it is hard to figure out who charged these fees and when this happens (or even get this unpermitted deduction back), but based on experience it seems advisable to provide as detailed information for the transfer as possible (e.g. also your intermediary bank details) to reduce this risk.
  • SHA (shared costs) means that charges are split between sender and beneficiary. The sender's bank will charge the sender a fee for the payment orders, while the beneficiary pays the charges of any intermediary bank (and those of his / her own bank, if there are any). The intermediary bank fees are deducted from the amount transferred.
  • BEN (beneficiary pays costs) means that the sender does not pay any charges. Any intermediary banks and the sender’s bank deduct their charges directly from the amount being transferred. This means that the recipient will receive an amount that is lessened by the fees applied by all parties involved. The sender should therefore add the amount of these fees to the original transfer sum so that the recipient will receive the full payment. As a rule of thumb the fees of international transfers are around 25 - 50 Euro/USD. In this case, you can say that for receiving payments via Credit Card is usually cheaper/free than via bank transfer.
In general, sender must inform participants that for cross-border wire transfers you expect them to use OUR as the expense regulation. It is a good idea to include this information in the terms of payment. Please note that you can commonly see in the transfer details which method was used by the payer if you look for the codes OUR, SHA and BEN.

Exception: Payments made within the Single Euro Payments Area (SEPA) will automatically use the shared charges (SHA) expense regulation and sender and receiver will benefit from fast transaction times and no charges levied (SEPA Credit Transfer). You will only have to provide the International Bank Account Number (IBAN) and the Business Identifier Code (SWIFT/BIC).

A credit transfer is an electronic payment from one bank account to another. The SEPA Credit Transfer (SCT) scheme makes the transfer of money in Europe easy and convenient. The vast majority of euro credit transfers more than 20 billion every year are based on the SEPA. This means that the rules for making euro credit transfers in Europe are exactly the same whether the money is moved between two accounts located in the same country or in two different countries.
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Correct - although be mindful that SEPA Credit Transfer must be euro to euro only. Anything else can be any of the charging tags e.g euro to GBP.

Also it’s rare for banks to need to use an intermediairy these days unless the ultimate beneficiary doesn’t have a BIC/IBAN combination (the US for example which uses an ABA)
So, did BEN order come from GUTS Casino, INPAY, or Bank Polski?
(fees of -49 EUR *4 times, 4 withdraws)

It wasn't me who asked for BEN, for sure.
(transaction/withdrawl order picture attached)

(Fresh update: MGA isn't happy with this.)


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inpay owns the debit account so they made the instruction and used BEN.

Interestingly PSD2 rules means that this must be SHA if both debtor and creditor are in the EU, regardless of currency. Are you EU based? Obviously they are as the accound is domicled in Poland.

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