Your transfer can be fagged for AML and you may be required to prove you earned money from legitimate sources. If you paid taxes on the money, yo wont have any issues. If not find your friends/family with legitimate jobs who can transfer.

Bank transfer has too much fees first here in the US and then again in Nepal. On top of that the exchange rate is lower.

I generally use Prabhuonline.com which has better rate and zero fees for anything over 2000

Hi Raj11,

I am replying this so that it is helpful for others as well. Option 1 is not good for you

Option 1
In general if you have a valid employment then anything above 10K I would suggest to send through the bank. Now when you send it - dont forget to send it as USD so that there is no conversion done here. The conversion will happen only in the bank of Nepal and the rate would be the buying rate provided by NRB on the day the money get landed. There is no issue in US bank but when sending large amount in Nepal, you just need to send a letter to whoever is getting that amount and tell her/him to hand it over to the bank in Nepal. The letter can be your employment letter that states how much you earn per year.

Option 2
As @Lothar mentioned your option is to use third party like prabhuonline.com or thamelremit.com. Just note that they will not allow you to do a 20K transfer in one shot. You may have some limits on how much you can transfer per transaction.

All the companies operating in the US have to abide by AML rules whether BOA, Wells or Prabhu. FYI