Do you have business liaison to attend to overseas?  If yes, you are probably familiar with the remittance and transfer platform that you have been using to transfer your funds overseas either to your business partner or vendor.  While bank transfer appears to be the most frequently used platform because it is directly debited from your account, you have to be mindful of how much transfer fees and the impact of the currency exchange the bank charges to their advantages.  Often, this resulted in spreads that can eat into your margins.  Some banks came up with a promo that charges zero fees on the transfers. There are no free lunches in the world.  When your remittance dealer tells you that they charge zero fees on your transfer, it usually means that they are increasing these charges elsewhere, such as increasing the margins on their currency exchange so that it...