OP: Is this what you mean? I think all of us are thinking differently here.

Muncha/Thamel are making a secured connection with your online banking and they are not asking for your details. They want you to log in to your bank account thru this secured connection and you can send directly without all those routing no. and account info.

These sites are always good if you are sending money above 2500 , as they don't have a transaction fee over 2500.

I guess all of us are clear with this.

Happy Tihar all. :)