Have been using thamel.com and usually the exchange rate is slightly better than muncha.. The service is reliable and I have used it without any issues. They call the recipient back home to confirm that the money has been deposited. No charge over 2k.. but I guess they make money out of the exchange rate. No charge by bank in Nepal as well... For wire transfer from US bank ie wamu or bank of america.. the bank in Nepal charges for it.