Exactly CBQ is a nightmare and full of surprises!!! For international online transfer they charges 15QAR as commision and 11QAR as service charge which is complete rip off. and Transfered little money from CBQ to QNB they charged 10QAR as service charge. Asked for new ATM pin charged me 10QAR for reissuing new pin. based on these experiences and hearing bad stories of others not activated my credit card and wanting to canel it as soon as possible. Im a customer of QNB for the past 5 yrs. Never experienced such comfort here in CBQ.