What do you mean by debit transaction? An international bank transfer? There are many layers of fees that often get charged by banks: - You don't get the market

What do you mean by debit transaction? An international bank transfer? There are many layers of fees that often get charged by banks: - You don't get the market rate - There's a percentage fee on the exchange - There's a fee to send abroad for the sender - There's a fee to receive from abroad for the receiver Not all charges necessarily apply but they often enough do. Try it out and you'll see.