🍽️ THE BANKING TASTING MENU: BEN, SHA, OUR, GOUR

🕯️ An international transfer is not a transaction. It is dinner at an expensive restaurant where nobody shows you the prices, the waiter wears a compliance badge, and the chef whispers: “Not our responsibility.” Welcome to the tasting menu: BEN, SHA, OUR and the mysterious GOUR. 🍷🔪

🧾 You order OUR. Very generous. “I’ll cover the bill!” you tell the bank. Somewhere, a relationship manager sends you a heart emoji in Outlook. Your beneficiary expects an untouched main course. Then a correspondent bank strolls past and samples the sauce. And perhaps the potatoes. The bank's fee terms matter much more than the waiter’s smile. 💰🍴

🍕 SHA is the business lunch special. You pay your side, the recipient pays theirs. Fair? In theory. In practice, another waiter might suddenly appear and help himself to a forkful. The supplier receives less than the invoice and politely suggests that next time you should perhaps try OUR. Or cook at home. 📉

🍤 BEN is the dating disaster. You invite someone to dinner, order for two, and hand them the card machine. “We’re all independent adults,” you announce. A beneficiary who expected the full invoice amount may not appreciate your bold philosophy. Especially if your date happens to be a factory awaiting payment. 🍝🚫

🍷 And then comes GOUR, the mythical chef’s-table experience. In this story you pay for everyone: the waiters, their cousins, the coat-check attendant, and the camel that allegedly delivered the dessert. It is a joke about ultra-generous fee arrangements, not a universally recognised SWIFT charging code. 🐪💸

📊 The real bill: with BEN, the beneficiary bears charges; with SHA, charges are shared; with OUR, the sender agrees to bear charges under the bank's terms. Even the grand OUR promise needs checking against the actual correspondent-bank arrangements.

📌 Moral of the story: if you don't read the fee instructions, you may leave the restaurant hungry while every waiter gets a tip. Bon appétit — and check the credited amount. 🍽️💳