The three real costs
Fee: a flat charge for sending. FX margin: the difference between mid-market and applied rate. Intermediary fees: charges deducted by correspondent banks on SWIFT transfers.
Speed differences
Local rails (SEPA Instant, FPS, ACH) settle in seconds to hours. Traditional SWIFT can take 1–5 business days. Modern remittance providers route on the fastest available rail per corridor.
Compliance and screening
Every cross-border payment is screened against sanctions lists and monitored for AML risk. Higher-value or higher-risk transfers may trigger additional verification — this protects everyone in the chain.
How qeam.net handles it
You see the all-in cost, the chosen rail, and the expected delivery time before you confirm. There are no hidden FX markups.