We pay a monthly amount of CN$550 off a debt we left in Canada when we moved here. ANZ charges us $24 a month in fees for making the telegraphic transfer of that amount to our Canadian bank. That's extortionate enough, but the Aussie is very high at the moment: 97.8c Canadian today, so close to par. XE.com's excellent online exchange rate site shows CN$550 = AU$562. But with ANZ, magically the exchange rate is such that CN$550 = AU$584. They really are geniuses at finding multiple ways to screw ya even on the one transaction.