The processing flow of a cross-border foreign exchange wire transfer remittance business will involve a number of overseas clearing banks, and each bank will complete the liquidation of remittance funds through its own account relationship and finally reach the payee's account. Because business handling involves many banks, each intermediary bank will charge a certain fee according to its own charging standard, which leads to the deduction of intermediate links from the money remitted by customers. This is the common practice of remittance business of global commercial banks.

In actual business operation, it is certain that remittance will be deducted from the intermediary bank, and the bank will make it clear to the customer in advance. However, it is difficult to determine the amount of deduction in advance, because the clearing path of a remittance is uncertain and the charging standard of each bank is different, so it is impossible to accurately calculate the specific amount of deduction by the intermediary bank before remittance.

If there is no direct remittance relationship between the remitting bank and the receiving bank, fees will usually be incurred. If the remittance applicant does not specify an intermediary bank, it shall be directly designated by the remittance bank. On the way to remittance, the more you change careers, the more you charge.