Three types of fees apply to international payments:
BEN – all fees paid by the creditor. The transferred amount shall be decreased by the Bank's fees and, at the same time, may also be decreased by the fees charged by intermediary banks. This type of fee can´t be indicated for EEA payments and for payments in a currency not specified in the Notice on the Payment System.
SHA – the debtor pays the fees of the debtor´s bank, the creditor pays the fees of the creditor´s bank, at the same time, the creditor´s bank and/or intermediary banks may charge the creditor with a fee set forth by these banks, or the transferred amount may be reduced by the amount of the aforesaid fees. This type is mandatory for payments to EEA countries.
OUR – all fees paid by the debtor. The Bank can´t guarantee that the creditor´s bank and/or intermediary banks shall respect the “OUR” charge code. This type of fee can´t be indicated for EEA payments.