Wire payments - BEN, SHA, OUR

When you make an international wire transfer (SWIFT), you can choose who pays the transfer charges. We require all international transfers to us to be made with the OUR instruction.

BEN, SHA and 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.

Please follow the payment instructions on your order. Where available, paying by credit card or PayPal in the online store avoids wire-transfer charges entirely.