Bluesky -I think it depends on the exchange rate of Bank of America and how much you are sending. Looking at today's exchange rate, thamelRemit is giving 1.5 Rupees less then the rate by Nepal rastra Bank (101.73 vs 103.23 ) , but they are also waiving fee. If bank of america give you exact rate provided by Nepal rastra bank, that means you save 1.5 Rupees in exchange rate and loose 45 dollars in fees. So if you don't want to loose money sending through Bank of America rather then ThamelRemit, you have to send at least $3100. I am not good on maths but I tried :-)