i wonder if anyone can help, we send money from our first direct account to the deniz bank in turkey every month, first direct charge us £25 to do this. for eight months this has been straightforward and although £25 is a lot to have to pay there is no other solution as far as we can see as our mortgage is in sterling. if we had our mortgage in lira there is a company who could do the transfer free, as they make there money on the exchange rate. however in the last three months i have been getting charges coming back of around £18-£20, when i have contacted first direct they say that the charge is being applied by the receiving bank, they cannot understand why they have only just started doing this either as i have always said when making the payment that the amount i am sending is the amount the bank must receive, and they put the message saying any charges to be applied here. when i question deniz bank they say we are getting charged this extra amount from our english bank, first direct say that it is the deniz bank. all i know is that for eight months we have not had these extra charges, so why now. can anyone throw any light on this please, i know one solution would be to send more than one months payment at a time but this is not always possible. also does anyone know, if i had a hsbc bank account in turkey and sent the payment through hsbc here, i know they only charge £10 but how much would it then cost to have the money then transfered from hsbc turkey to the deniz bank. i would be grateful for any help on this matter, thanks.