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The charge instruction decides who bears the cost: sender pays all, beneficiary pays all, or shared with each side paying its own bank. Under a shared instruction intermediary deductions reduce what arrives, which is a common cause of short payments.
Charge allocation
OUR: sender pays all. BEN: deducted from payment. SHA: sender pays own bank, beneficiary bears the rest
Figures are estimates based on the inputs given. Bank charges, regulatory minima and market rates change and differ between institutions and jurisdictions. This is not financial advice — confirm with your bank or treasury policy.
Sender pays all, so the beneficiary receives the exact invoice amount and reconciliation is clean.
Almost always because of a shared or beneficiary charge instruction with intermediary deductions.