foera, just remember that banks all over the world charge some fees for "receiving or dispatching transfers".

In my case whenever I send a money transfer to the US the end value of the money is X-30US$

And when I send to europe is around X-20 Euros.

In the case of QNB and when I first faced the situation I managed to find out that there is an intermediary bank in the US with centralizes all funds transfers from here and then dispatches "locally" within the US. This Intermediary bank charges around 20 US$.

There you go some rough numbers as to where did the money go!!

Regards!!