> * I can't remember if this was the case in UK, but I noticed that transfers to some Western EU countries This is the law for all Euro-denominated transfers i

> * I can't remember if this was the case in UK, but I noticed that transfers to some Western EU countries This is the law for all Euro-denominated transfers in the EU (even in the UK -- but unless your account is Euro-denominated they can still make money off the forex).