I recently used Muncha house to send some money to Nepal. I give them an A for their service (not an A+ because of there is another agency that you need to call which will verify that your information is correct; some points deducted for the extra layer of bureacracy :)). Their service is great -- if you are sending it to ktm, money reaches quick and in the meantime you can track your transaction. Here's how it worked in my case. I signed up for the service online on Thursday and called muncha.com. They gave me another number (for the agency which verifies your info). I called them up the same evening and sent money on Friday afternoon (using Internet check - basically you need to give them your account and the routing (sp?) numbers). By Saturday afternoon here (Saturday evening in Nepal), they had called my brother and told him the amount of money that had arrived. By Sunday afternoon in Nepal, they had deposited the money in my brother's account. I am not sure how much other transfer agencies charge, but given muncha's service, I would be willing to pay extra to muncha than go through another agency that takes longer and is not so user-friendly, so to speak.