I doubt the rate would be 97.56. I am not sure about BOA but I have done several wires through Chase which usually charges about $45 flat. The only option to send it to Nepal is in USD, there is no NPR like furke said. However if you are sending small amount it would not make sense since I calculated that about $25 is lost in the middle.. maybe the bank in Nepal charges that amount.. but other than that exchange rate has been pretty accurate to the NRB.