Well, muncha will say it is a free transaction and than you will realized that they will take your $50 if you do not drictely send the money from your checking acount. Well, I used that service once and they charged me $50 only I was using my cr. card to send money to Nepal. I would rather use Western Union than muncha and also I forgot if they asked my SSN I think they did but I am not sure, but do not fax your SSN card at all. Well, they gave me call a phone call right after they got the info and stuffs to make sure I am the right person and stuff which is good too.