Generally speaking, if you send money in your home country or local currency, such as US dollars to a US bank account, Singapore dollars to a Singapore bank account, or Hong Kong dollars to a Hong Kong bank account, the bank will not charge a fee; if you send money in a currency other than your home country or local currency, such as Singapore dollars to a US bank account, US dollars to a Singapore bank account, or US dollars to a Hong Kong bank account, the bank will charge a fee of a few dollars to tens of dollars. If you send money in a currency other than your home country or region, such as SGD, SGD or USD to a US bank account or a Hong Kong bank account, the bank will charge a handling fee.

However, some banks will charge you a fee even if you are receiving money in your home country's currency. For example, if you send US dollars to a USwise bank account, they will charge you a fee of 10 US dollars for a single transfer. So if you want to receive a certain amount of money, it is recommended to send money in your home country or local currency and avoid banks like wise, so that you can receive a certain amount of money.

Alternatively, it is recommended that you send an extra $30 to $50 to cover the cost of the process so that the amount you receive is not less than what you expect.