We require all international transfers to us to be made with the OUR instruction.

BEN, SHA, OUR are codes in a SWIFT instruction:

• The OUR instruction means you pay all transfer charges. We receive the exact invoiced amount.
• SHA (shared) means you only pay your bank's outgoing transfer charge. We receive your payment minus the correspondent (intermediary) bank charges.
• BEN (beneficiary) means you do not pay any charge. We receive your payment minus all transfer fees.