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| 14:09 | intracube | se6astian: I updated the payment document (SEPA/paypal/bank options)
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| 14:11 | intracube | the advice for UK backers should be to check with their bank
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| 14:11 | intracube | charges for SEPA here are, eh, kinda complex
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| 14:44 | danieel | what is complex on SHA?
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| 14:56 | intracube | danieel: not SHA, SEPA :)
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| 14:57 | intracube | https://en.wikipedia.org/wiki/Single_Euro_Payments_Area
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| 14:57 | danieel | its one of its fee accounting option ;)
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| 14:57 | danieel | basically everybody pays its own fees
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| 14:57 | intracube | is confused
| | 14:58 | danieel | google for ben/our/sha
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| 14:58 | intracube | ah
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| 14:58 | danieel | who pays the fees.. beneficiar,ourselve or share the cost
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| 15:00 | intracube | the complexity is we don't use the euro, so UK banks are exempt from some of the SEPA rules on charging customers
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| 15:01 | se6astian | intracube: thanks!
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| 15:01 | intracube | :)
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| 15:01 | se6astian | gotta go :)
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| 15:03 | intracube | danieel: the rules say; a bank in France (for example) can't charge more to transfer euros to a bank in Germany than it would to another bank in France
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| 15:04 | intracube | and UK banks can also set whatever exchange rates/fees they want
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| 15:05 | danieel | but still if you choose to send 100e, it should come as 100e.. but it would cost unexpected amount of pounds for the sender..
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| 15:05 | intracube | so it might not be cheaper than PayPal
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| 15:05 | intracube | danieel: that's right, yep
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| 15:07 | intracube | and the UK bank would also deduct a separate fee (£8-15 often)
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| 15:07 | danieel | that was the case few years ago.. now we got free domestic transactions, and sepa is 0.73e flat
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| 15:08 | intracube | does your country use the euro?
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| 15:08 | danieel | no (czech)
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| 15:08 | intracube | ah. then that's much better value
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| 15:08 | intracube | some UK bank accounts don't have the option of sending the money internationally...
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| 15:09 | intracube | at least not easily
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| 15:11 | danieel | ive got both usd/eur accounts after some time, the exchange rate is not the best.. so it is better to pay a known flat fee (on usd it is $4) and not loose on conversion here and there
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| 15:12 | danieel | with ~ 5% on paypal, the bank does come better, but it is not very easy for the end-user
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| 15:15 | intracube | there are also dedicated 'currency brokers'
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| 15:16 | intracube | which people say give better exchange rates than banks
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| 15:17 | intracube | http://www.telegraph.co.uk/finance/personalfinance/expat-money/10252220/When-moving-large-sums-youre-better-off-with-a-currency-broker.html
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