I want to transfer money to my US bank account from my European bank account. US bank accounts have default fees (15USD in my case).
Usually, when sending an international wire transfer, one has the option of choosing OUR(sender covers costs), SHA(costs shared), or BEN (recipient covers costs). Since the 15USD are unavoidable, I was wondering if it would be worthwhile to select BEN, wherein the 15USD would be used to cover the transaction costs? Or am I wrong to assume that transaction costs would be covered by that 15USD and in reality the 15USD are on top of transaction costs?