Whoever is trying to do advertisement .... its a fake one. UMTCL is NOT BETTER THAN money.muncha.com . Here are two examples of how exchange rates are affected ...... for all your costs. And that is what how much your relatives get back. If you cannot provide competitive rates, don't fool nepali people. Amount (X) Fee (Y) Tran Fee (A) Total (T) Exchg Rate (P) you get (M) Actual Exch Rage X Y z% of X T=X+Y+A P M = P*X R=M/T Muncha $3,000 9.99 0 $3,009.99 64.3 192900.00 64.08659165 umtcl 3000 22 2.65 $3,101.50 64.9 194700.00 62.77607609 Muncha 1000 12.99 0 $1,012.99 64.3 64300.00 63.47545385 umtcl 1000 12 2.65 $1,038.50 64.9 64900.00 62.4939817