Italy

The following tables show how much it costs to remit money from Italy to

- Albania
- China
- India
- Morocco
- Nigeria
- Philippines
- Romania
- Serbia
- Sri Lanka

Note: Corridor averages are unweighted and do not reflect the market shares of the different firms that compose the average. For comparability purposes, the two initial USD reference amounts of $200 and $500 were kept. In the third quarter of 2009, the amounts in local currency were adjusted in order to reflect foreign exchange fluctuations.

How much does it cost to remit?

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Remitting from Italy to Albania

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in EUR | USD

140350

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Banca Monte dei Paschi di Siena	Bank	0.00	0.00	0.00	0.00	3-5 days	Major cities	Aug 07, 2009
Moneybookers	MTO	2.30	0.00	1.64	2.30	Less than one hour	Nationwide	Aug 07, 2009
Coinstar	MTO	7.00	0.00	5.00	7.00	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram	MTO	9.00	0.00	6.43	9.00	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram via Poste Italiane	MTO/Post office	9.00	0.00	6.43	9.00	Less than one hour	Nationwide	Aug 07, 2009
Western Union	MTO	10.00	0.00	7.14	10.00	Less than one hour	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo	Bank	10.60	0.00	7.57	10.60	3-5 days	Nationwide	Aug 07, 2009
iKobo	MTO	11.50	0.00	8.21	11.49	Less than one hour	Nationwide	Aug 07, 2009
Unicredit Banca	Bank	11.50	0.00	8.21	11.49	3-5 days	Major cities	Aug 07, 2009
Banca Intesa SanPaolo	Bank	12.10	0.00	8.64	12.10	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo	Bank	12.60	0.00	9.00	12.60	3-5 days	Nationwide	Aug 07, 2009
Ria	MTO	7.50	3.67	9.03	12.64	Less than one hour	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo	Bank	14.10	0.00	10.07	14.10	3-5 days	Nationwide	Aug 07, 2009
Unicredit Banca	Bank	17.50	0.00	12.50	17.50	3-5 days	Major cities	Aug 07, 2009
Banca Monte dei Paschi di Siena	Bank	21.00	0.00	15.00	21.00	3-5 days	Major cities	Aug 07, 2009
Bank Average		12.42	0.00	8.88	12.43
MTO Average		7.88	0.61	6.24	8.74
MTO/Post office Average		9.00	0.00	6.43	9.00
Total Average		10.38	0.24	7.66	10.72
Total Average in First Quarter 2009		9.12	0.00	6.76	9.46

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	0.00	0.66	2.31	Less than one hour	Nationwide	Aug 07, 2009
Banca Monte dei Paschi di Siena	Bank	5.50	0.00	1.57	5.50	3-5 days	Major cities	Aug 07, 2009
Banca Intesa SanPaolo	Bank	10.60	0.00	3.03	10.60	3-5 days	Nationwide	Aug 07, 2009
Coinstar	MTO	11.00	0.00	3.14	10.99	Less than one hour	Nationwide	Aug 07, 2009
Unicredit Banca	Bank	11.50	0.00	3.29	11.52	3-5 days	Major cities	Aug 07, 2009
Banca Intesa SanPaolo	Bank	12.10	0.00	3.46	12.11	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo	Bank	12.60	0.00	3.60	12.60	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo	Bank	14.10	0.00	4.03	14.10	3-5 days	Nationwide	Aug 07, 2009
MoneyGram	MTO	16.00	0.00	4.57	16.00	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram via Poste Italiane	MTO/Post office	16.00	0.00	4.57	16.00	Less than one hour	Nationwide	Aug 07, 2009
Western Union	MTO	17.00	0.00	4.86	17.01	Less than one hour	Nationwide	Aug 07, 2009
Unicredit Banca	Bank	17.50	0.00	5.00	17.50	3-5 days	Major cities	Aug 07, 2009
Banca Monte dei Paschi di Siena	Bank	21.00	0.00	6.00	21.00	3-5 days	Major cities	Aug 07, 2009
iKobo	MTO	21.25	0.00	6.07	21.24	Less than one hour	Nationwide	Aug 07, 2009
Ria	MTO	11.50	3.67	6.95	24.32	Less than one hour	Nationwide	Aug 07, 2009
Bank Average		13.11	0.00	3.75	13.12
MTO Average		13.18	0.61	4.38	15.33
MTO/Post office Average		16.00	0.00	4.57	16.00
Total Average		13.33	0.24	4.05	14.18
Total Average in First Quarter 2009		15.37	0.00	4.66	16.31

Corridor note

In this corridor all RSPs send EUR. At the point of collection, the money may be paid out in EUR or converted to the local currency. Remittance recipients may incur an additional cost (not shown here) if and when converting the EUR to the local currency.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Banca Monte dei Paschi di Siena	Bank	0.00	0.00	0.00	0.00	3-5 days	Major cities	Aug 07, 2009
Moneybookers	MTO	3.29	0.00	1.64	3.28	Less than one hour	Nationwide	Aug 07, 2009
Coinstar	MTO	10.00	0.00	5.00	10.00	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram	MTO	12.86	0.00	6.43	12.86	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram via Poste Italiane	MTO/Post office	12.86	0.00	6.43	12.86	Less than one hour	Nationwide	Aug 07, 2009
Western Union	MTO	14.29	0.00	7.14	14.28	Less than one hour	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo	Bank	15.14	0.00	7.57	15.14	3-5 days	Nationwide	Aug 07, 2009
iKobo	MTO	16.43	0.00	8.21	16.42	Less than one hour	Nationwide	Aug 07, 2009
Unicredit Banca	Bank	16.43	0.00	8.21	16.42	3-5 days	Major cities	Aug 07, 2009
Banca Intesa SanPaolo	Bank	17.29	0.00	8.64	17.28	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo	Bank	18.00	0.00	9.00	18.00	3-5 days	Nationwide	Aug 07, 2009
Ria	MTO	10.71	3.67	9.03	18.06	Less than one hour	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo	Bank	20.14	0.00	10.07	20.14	3-5 days	Nationwide	Aug 07, 2009
Unicredit Banca	Bank	25.00	0.00	12.50	25.00	3-5 days	Major cities	Aug 07, 2009
Banca Monte dei Paschi di Siena	Bank	30.00	0.00	15.00	30.00	3-5 days	Major cities	Aug 07, 2009
Bank Average		17.75	0.00	8.88	17.76
MTO Average		11.26	0.61	6.24	12.48
MTO/Post office Average		12.86	0.00	6.43	12.86
Total Average		14.83	0.24	7.66	15.32
Total Average in First Quarter 2009		13.52	0.00	6.76	13.52

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	0.00	0.66	3.30	Less than one hour	Nationwide	Aug 07, 2009
Banca Monte dei Paschi di Siena	Bank	7.86	0.00	1.57	7.85	3-5 days	Major cities	Aug 07, 2009
Banca Intesa SanPaolo	Bank	15.14	0.00	3.03	15.15	3-5 days	Nationwide	Aug 07, 2009
Coinstar	MTO	15.71	0.00	3.14	15.70	Less than one hour	Nationwide	Aug 07, 2009
Unicredit Banca	Bank	16.43	0.00	3.29	16.45	3-5 days	Major cities	Aug 07, 2009
Banca Intesa SanPaolo	Bank	17.29	0.00	3.46	17.30	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo	Bank	18.00	0.00	3.60	18.00	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo	Bank	20.14	0.00	4.03	20.15	3-5 days	Nationwide	Aug 07, 2009
MoneyGram	MTO	22.86	0.00	4.57	22.85	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram via Poste Italiane	MTO/Post office	22.86	0.00	4.57	22.85	Less than one hour	Nationwide	Aug 07, 2009
Western Union	MTO	24.29	0.00	4.86	24.30	Less than one hour	Nationwide	Aug 07, 2009
Unicredit Banca	Bank	25.00	0.00	5.00	25.00	3-5 days	Major cities	Aug 07, 2009
Banca Monte dei Paschi di Siena	Bank	30.00	0.00	6.00	30.00	3-5 days	Major cities	Aug 07, 2009
iKobo	MTO	30.36	0.00	6.07	30.35	Less than one hour	Nationwide	Aug 07, 2009
Ria	MTO	16.43	3.67	6.95	34.75	Less than one hour	Nationwide	Aug 07, 2009
Bank Average		18.73	0.00	3.75	18.75
MTO Average		18.82	0.61	4.38	21.90
MTO/Post office Average		22.86	0.00	4.57	22.85
Total Average		19.04	0.24	4.05	20.25
Total Average in First Quarter 2009		23.29	0.00	4.66	23.30

Corridor note

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
INTESASANPAOLO BANK - non a/c holder to a/c holder	Bank	5.10	0.00	3.78	5.10	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder account to non a/c account holder	Bank	5.60	0.00	4.15	5.60	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder to a/c holder	Bank	5.60	0.00	4.15	5.60	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - non a/c holder to non a/c holder	Bank	7.10	0.00	5.26	7.10	3-5 days	Nationwide	Feb 17, 2009
RiaEnvia	MTO	7.50	0.00	5.56	7.51	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram	MTO	9.00	0.00	6.67	9.00	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram via Poste Italiane	MTO/Post office	9.00	0.00	6.67	9.00	Less than one hour	Nationwide	Feb 17, 2009
Poste Italiane	Bank/Post office	10.33	0.00	7.65	10.33	3-5 days	Nationwide	Feb 17, 2009
Coinstar	MTO	13.00	0.00	9.63	13.00	Less than one hour	Nationwide	Feb 17, 2009
Western Union	MTO	19.00	0.00	14.07	18.99	Less than one hour	Nationwide	Feb 17, 2009
Bank Average		5.85	0.00	4.33	5.85
Bank/Post office Average		10.33	0.00	7.65	10.33
MTO Average		12.12	0.00	8.98	12.12
MTO/Post office Average		9.00	0.00	6.67	9.00
Total Average		9.12	0.00	6.76	9.13
Total Average in 2008		10.43	5.87	13.60	18.36

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	10.33	0.00	3.13	10.33	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder to a/c holder	Bank	10.60	0.00	3.21	10.59	3-5 days	Nationwide	Feb 17, 2009
RiaEnvia	MTO	11.50	0.00	3.48	11.48	Less than one hour	Nationwide	Feb 17, 2009
INTESASANPAOLO BANK - non a/c holder to a/c holder	Bank	12.10	0.00	3.67	12.11	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder account to non a/c account holder	Bank	12.60	0.00	3.82	12.61	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - non a/c holder to non a/c holder	Bank	14.10	0.00	4.27	14.09	3-5 days	Nationwide	Feb 17, 2009
MoneyGram	MTO	16.00	0.00	4.85	16.00	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram via Poste Italiane	MTO/Post office	20.00	0.00	6.06	20.00	Less than one hour	Nationwide	Feb 17, 2009
Coinstar	MTO	22.00	0.00	6.67	22.01	Less than one hour	Nationwide	Feb 17, 2009
Western Union	MTO	24.50	0.00	7.42	24.49	Less than one hour	Nationwide	Feb 17, 2009
Bank Average		12.35	0.00	3.74	12.34
Bank/Post office Average		10.33	0.00	3.13	10.33
MTO Average		18.50	0.00	5.61	18.51
MTO/Post office Average		20.00	0.00	6.06	20.00
Total Average		15.37	0.00	4.66	15.38
Total Average in 2008		16.43	5.87	10.85	35.80

Corridor note

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
INTESASANPAOLO BANK - non a/c holder to a/c holder	Bank	7.56	0.00	3.78	7.56	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder account to non a/c account holder	Bank	8.30	0.00	4.15	8.30	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder to a/c holder	Bank	8.30	0.00	4.15	8.30	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - non a/c holder to non a/c holder	Bank	10.52	0.00	5.26	10.52	3-5 days	Nationwide	Feb 17, 2009
RiaEnvia	MTO	11.11	0.00	5.56	11.12	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram	MTO	13.33	0.00	6.67	13.34	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram via Poste Italiane	MTO/Post office	13.33	0.00	6.67	13.34	Less than one hour	Nationwide	Feb 17, 2009
Poste Italiane	Bank/Post office	15.30	0.00	7.65	15.30	3-5 days	Nationwide	Feb 17, 2009
Coinstar	MTO	19.26	0.00	9.63	19.26	Less than one hour	Nationwide	Feb 17, 2009
Western Union	MTO	28.15	0.00	14.07	28.14	Less than one hour	Nationwide	Feb 17, 2009
Bank Average		8.67	0.00	4.33	8.66
Bank/Post office Average		15.30	0.00	7.65	15.30
MTO Average		17.96	0.00	8.98	17.96
MTO/Post office Average		13.33	0.00	6.67	13.34
Total Average		13.52	0.00	6.76	13.52
Total Average in 2008		15.45	5.87	13.60	27.20

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	15.65	0.00	3.13	15.65	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder to a/c holder	Bank	16.06	0.00	3.21	16.05	3-5 days	Nationwide	Feb 17, 2009
RiaEnvia	MTO	17.42	0.00	3.48	17.40	Less than one hour	Nationwide	Feb 17, 2009
INTESASANPAOLO BANK - non a/c holder to a/c holder	Bank	18.33	0.00	3.67	18.35	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder account to non a/c account holder	Bank	19.09	0.00	3.82	19.10	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - non a/c holder to non a/c holder	Bank	21.36	0.00	4.27	21.35	3-5 days	Nationwide	Feb 17, 2009
MoneyGram	MTO	24.24	0.00	4.85	24.25	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram via Poste Italiane	MTO/Post office	30.30	0.00	6.06	30.30	Less than one hour	Nationwide	Feb 17, 2009
Coinstar	MTO	33.33	0.00	6.67	33.35	Less than one hour	Nationwide	Feb 17, 2009
Western Union	MTO	37.12	0.00	7.42	37.10	Less than one hour	Nationwide	Feb 17, 2009
Bank Average		18.71	0.00	3.74	18.70
Bank/Post office Average		15.65	0.00	3.13	15.65
MTO Average		28.03	0.00	5.61	28.05
MTO/Post office Average		30.30	0.00	6.06	30.30
Total Average		23.29	0.00	4.66	23.30
Total Average in 2008		24.90	5.87	10.85	54.25

Corridor note

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	5.16	5.38	9.20	12.42	3-4 days	-	May 29, 2008
MoneyGram	MTO	9.00	5.38	12.04	16.25	Instant	-	May 29, 2008
Coinstar	MTO	10.00	6.97	14.38	19.41	24 hours	-	May 29, 2008
MoneyGram via Poste Italiane	MTO/Post office	13.50	5.38	15.38	20.76	Instant	-	May 29, 2008
Western Union	MTO	14.50	6.24	16.98	22.92	Instant	-	May 29, 2008
Bank/Post office Average		5.16	5.38	9.20	12.42
MTO Average		11.17	6.20	14.47	19.53
MTO/Post office Average		13.50	5.38	15.38	20.76
Total Average		10.43	5.87	13.60	18.36
First Quarter 2009		9.12	0.00	6.76	9.13

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	5.16	5.38	6.94	22.90	3-4 days	-	May 29, 2008
MoneyGram	MTO	16.00	5.38	10.23	33.76	Instant	-	May 29, 2008
Coinstar	MTO	15.00	6.97	11.52	38.02	24 hours	-	May 29, 2008
MoneyGram via Poste Italiane	MTO/Post office	22.50	5.38	12.20	40.26	Instant	-	May 29, 2008
Western Union	MTO	23.50	6.24	13.36	44.09	Instant	-	May 29, 2008
Bank/Post office Average		5.16	5.38	6.94	22.90
MTO Average		18.17	6.20	11.70	38.61
MTO/Post office Average		22.50	5.38	12.20	40.26
Total Average		16.43	5.87	10.85	35.80
First Quarter 2009		15.37	0.00	4.66	15.38

Corridor note

Banks are able to send money internationally for their account holders only.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	7.64	5.38	9.20	18.40	3-4 days	-	May 29, 2008
MoneyGram	MTO	13.33	5.38	12.04	24.08	Instant	-	May 29, 2008
Coinstar	MTO	14.81	6.97	14.38	28.76	24 hours	-	May 29, 2008
MoneyGram via Poste Italiane	MTO/Post office	20.00	5.38	15.38	30.76	Instant	-	May 29, 2008
Western Union	MTO	21.48	6.24	16.98	33.96	Instant	-	May 29, 2008
Bank/Post office Average		7.64	5.38	9.20	18.40
MTO Average		16.54	6.20	14.47	28.94
MTO/Post office Average		20.00	5.38	15.38	30.76
Total Average		15.45	5.87	13.60	27.20
First Quarter 2009		13.52	0.00	6.76	13.52

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	7.82	5.38	6.94	34.70	3-4 days	-	May 29, 2008
MoneyGram	MTO	24.24	5.38	10.23	51.15	Instant	-	May 29, 2008
Coinstar	MTO	22.73	6.97	11.52	57.60	24 hours	-	May 29, 2008
MoneyGram via Poste Italiane	MTO/Post office	34.09	5.38	12.20	61.00	Instant	-	May 29, 2008
Western Union	MTO	35.61	6.24	13.36	66.80	Instant	-	May 29, 2008
Bank/Post office Average		7.82	5.38	6.94	34.70
MTO Average		27.53	6.20	11.70	58.50
MTO/Post office Average		34.09	5.38	12.20	61.00
Total Average		24.90	5.87	10.85	54.25
First Quarter 2009		23.29	0.00	4.66	23.30

Corridor note

Banks are able to send money internationally for their account holders only.

Remitting from Italy to China

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in EUR | USD

140350

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	1.98	3.62	5.07	Less than one hour	Nationwide	Aug 08, 2009
Money2Money	MTO	8.00	1.39	7.10	9.94	2 days	Major cities	Aug 08, 2009
iKobo	MTO	11.50	0.00	8.21	11.49	Less than one hour	Nationwide	Aug 08, 2009
Money2Money*	MTO	15.00	*0.00	*10.71	*14.99	2 days	Nationwide	Aug 08, 2009
Coinstar	MTO	15.00	0.28	10.99	15.39	Less than one hour	Nationwide	Aug 08, 2009
MoneyGram	MTO	18.00	1.38	14.23	19.92	Less than one hour	Nationwide	Aug 08, 2009
MoneyGram via Poste Italiane	MTO/Post office	18.00	1.38	14.23	19.92	Less than one hour	Nationwide	Aug 08, 2009
Metro Remittance	MTO	20.00	1.39	15.67	21.94	2 days	Nationwide	Aug 08, 2009
Western Union	MTO	20.00	1.84	16.12	22.57	Less than one hour	Nationwide	Aug 08, 2009
MTO Average		13.72	1.03	10.83	15.16
MTO/Post office Average		18.00	1.38	14.23	19.92
Total Average		14.20	1.07	11.21	15.69
Total Average in First Quarter 2009		14.39	0.76	11.42	15.99

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Moneybookers	MTO	2.30	1.98	2.63	9.20	Less than one hour	Nationwide	Aug 08, 2009
Money2Money*	MTO	15.00	*0.00	*4.29	*15.02	2 days	Nationwide	Aug 08, 2009
Coinstar	MTO	15.00	0.28	4.56	15.96	Less than one hour	Nationwide	Aug 08, 2009
Money2Money	MTO	15.00	1.39	5.67	19.84	2 days	Major cities	Aug 08, 2009
iKobo	MTO	21.25	0.00	6.07	21.24	Less than one hour	Nationwide	Aug 08, 2009
MoneyGram	MTO	18.00	1.38	6.52	22.82	Less than one hour	Nationwide	Aug 08, 2009
MoneyGram via Poste Italiane	MTO/Post office	18.00	1.38	6.52	22.82	Less than one hour	Nationwide	Aug 08, 2009
Metro Remittance	MTO	20.00	1.39	7.10	24.85	2 days	Nationwide	Aug 08, 2009
Western Union	MTO	20.00	1.84	7.55	26.42	Less than one hour	Nationwide	Aug 08, 2009
MTO Average		15.82	1.03	5.55	19.42
MTO/Post office Average		18.00	1.38	6.52	22.82
Total Average		16.06	1.07	5.66	19.81
Total Average in First Quarter 2009		15.34	0.76	5.41	18.93

Corridor note

* indicates that the RSP is not transparent and did not provide all the relevant information. Roll-over firm name for more info.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	1.98	3.62	7.24	Less than one hour	Nationwide	Aug 08, 2009
Money2Money	MTO	11.43	1.39	7.10	14.20	2 days	Major cities	Aug 08, 2009
iKobo	MTO	16.43	0.00	8.21	16.42	Less than one hour	Nationwide	Aug 08, 2009
Money2Money*	MTO	21.43	*0.00	*10.71	*21.42	2 days	Nationwide	Aug 08, 2009
Coinstar	MTO	21.43	0.28	10.99	21.98	Less than one hour	Nationwide	Aug 08, 2009
MoneyGram	MTO	25.71	1.38	14.23	28.46	Less than one hour	Nationwide	Aug 08, 2009
MoneyGram via Poste Italiane	MTO/Post office	25.71	1.38	14.23	28.46	Less than one hour	Nationwide	Aug 08, 2009
Metro Remittance	MTO	28.57	1.39	15.67	31.34	2 days	Nationwide	Aug 08, 2009
Western Union	MTO	28.57	1.84	16.12	32.24	Less than one hour	Nationwide	Aug 08, 2009
MTO Average		19.61	1.03	10.83	21.66
MTO/Post office Average		25.71	1.38	14.23	28.46
Total Average		20.29	1.07	11.21	22.42
Total Average in First Quarter 2009		21.32	0.76	11.42	22.84

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Moneybookers	MTO	3.29	1.98	2.63	13.15	Less than one hour	Nationwide	Aug 08, 2009
Money2Money*	MTO	21.43	*0.00	*4.29	*21.45	2 days	Nationwide	Aug 08, 2009
Coinstar	MTO	21.43	0.28	4.56	22.80	Less than one hour	Nationwide	Aug 08, 2009
Money2Money	MTO	21.43	1.39	5.67	28.35	2 days	Major cities	Aug 08, 2009
iKobo	MTO	30.36	0.00	6.07	30.35	Less than one hour	Nationwide	Aug 08, 2009
MoneyGram	MTO	25.71	1.38	6.52	32.60	Less than one hour	Nationwide	Aug 08, 2009
MoneyGram via Poste Italiane	MTO/Post office	25.71	1.38	6.52	32.60	Less than one hour	Nationwide	Aug 08, 2009
Metro Remittance	MTO	28.57	1.39	7.10	35.50	2 days	Nationwide	Aug 08, 2009
Western Union	MTO	28.57	1.84	7.55	37.75	Less than one hour	Nationwide	Aug 08, 2009
MTO Average		22.60	1.03	5.55	27.75
MTO/Post office Average		25.71	1.38	6.52	32.60
Total Average		22.94	1.07	5.66	28.30
Total Average in First Quarter 2009		23.24	0.76	5.41	27.05

Corridor note

* indicates that the RSP is not transparent and did not provide all the relevant information. Roll-over firm name for more info.

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	3.25	1.70	4.10	5.54	3-5 days	Nationwide	Feb 19, 2009
MoneyGram	MTO	13.50	0.00	10.00	13.50	Less than one hour	Nationwide	Feb 19, 2009
Metro Remittance (Italia)	Bank/MTO	15.00	0.00	11.11	15.00	2 days	Nationwide	Feb 19, 2009
Money2Money	MTO	15.00	0.00	11.11	15.00	2 days	Nationwide	Feb 19, 2009
Coinstar	MTO	16.00	1.42	13.27	17.91	Less than one hour	Nationwide	Feb 19, 2009
MoneyGram via Poste Italiane	MTO/Post office	18.00	0.00	13.33	18.00	Less than one hour	Nationwide	Feb 19, 2009
Western Union	MTO	20.00	2.21	17.02	22.98	Less than one hour	Nationwide	Feb 19, 2009
Bank/MTO Average		15.00	0.00	11.11	15.00
Bank/Post office Average		3.25	1.70	4.10	5.54
MTO Average		16.12	0.91	12.85	17.35
MTO/Post office Average		18.00	0.00	13.33	18.00
Total Average		14.39	0.76	11.42	15.42
Total Average in 2008		13.69	0.00	10.14	13.69

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	4.39	1.70	3.03	10.00	3-5 days	Nationwide	Feb 19, 2009
MoneyGram	MTO	13.50	0.00	4.09	13.50	Less than one hour	Nationwide	Feb 19, 2009
Metro Remittance (Italia)	Bank/MTO	15.00	0.00	4.55	15.02	2 days	Nationwide	Feb 19, 2009
Money2Money	MTO	15.00	0.00	4.55	15.02	2 days	Nationwide	Feb 19, 2009
Coinstar	MTO	16.00	1.42	6.27	20.69	Less than one hour	Nationwide	Feb 19, 2009
MoneyGram via Poste Italiane	MTO/Post office	23.50	0.00	7.12	23.50	Less than one hour	Nationwide	Feb 19, 2009
Western Union	MTO	20.00	2.21	8.27	27.29	Less than one hour	Nationwide	Feb 19, 2009
Bank/MTO Average		15.00	0.00	4.55	15.02
Bank/Post office Average		4.39	1.70	3.03	10.00
MTO Average		16.12	0.91	5.79	19.11
MTO/Post office Average		23.50	0.00	7.12	23.50
Total Average		15.34	0.76	5.41	17.85
Total Average in 2008		15.19	0.00	4.60	15.18

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	4.81	1.70	4.10	8.20	3-5 days	Nationwide	Feb 19, 2009
MoneyGram	MTO	20.00	0.00	10.00	20.00	Less than one hour	Nationwide	Feb 19, 2009
Metro Remittance (Italia)	Bank/MTO	22.22	0.00	11.11	22.22	2 days	Nationwide	Feb 19, 2009
Money2Money	MTO	22.22	0.00	11.11	22.22	2 days	Nationwide	Feb 19, 2009
Coinstar	MTO	23.70	1.42	13.27	26.54	Less than one hour	Nationwide	Feb 19, 2009
MoneyGram via Poste Italiane	MTO/Post office	26.67	0.00	13.33	26.66	Less than one hour	Nationwide	Feb 19, 2009
Western Union	MTO	29.63	2.21	17.02	34.04	Less than one hour	Nationwide	Feb 19, 2009
Bank/MTO Average		22.22	0.00	11.11	22.22
Bank/Post office Average		4.81	1.70	4.10	8.20
MTO Average		23.89	0.91	12.85	25.70
MTO/Post office Average		26.67	0.00	13.33	26.66
Total Average		21.32	0.76	11.42	22.84
Total Average in 2008		20.29	0.00	10.14	20.28

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	6.65	1.70	3.03	15.15	3-5 days	Nationwide	Feb 19, 2009
MoneyGram	MTO	20.45	0.00	4.09	20.45	Less than one hour	Nationwide	Feb 19, 2009
Metro Remittance (Italia)	Bank/MTO	22.73	0.00	4.55	22.75	2 days	Nationwide	Feb 19, 2009
Money2Money	MTO	22.73	0.00	4.55	22.75	2 days	Nationwide	Feb 19, 2009
Coinstar	MTO	24.24	1.42	6.27	31.35	Less than one hour	Nationwide	Feb 19, 2009
MoneyGram via Poste Italiane	MTO/Post office	35.61	0.00	7.12	35.60	Less than one hour	Nationwide	Feb 19, 2009
Western Union	MTO	30.30	2.21	8.27	41.35	Less than one hour	Nationwide	Feb 19, 2009
Bank/MTO Average		22.73	0.00	4.55	22.75
Bank/Post office Average		6.65	1.70	3.03	15.15
MTO Average		24.43	0.91	5.79	28.95
MTO/Post office Average		35.61	0.00	7.12	35.60
Total Average		23.24	0.76	5.41	27.05
Total Average in 2008		23.02	0.00	4.60	23.00

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	5.16	0.00	3.82	5.16	3-4 days	-	May 23, 2008
MoneyGram	MTO	13.50	0.00	10.00	13.50	Instant	-	May 23, 2008
MoneyGram via Poste Italiane	MTO/Post office	13.50	0.00	10.00	13.50	Instant	-	May 23, 2008
Coinstar	MTO	15.00	0.00	11.11	15.00	24 hours	-	May 23, 2008
Metro Remittance (Italia)	Bank/MTO	15.00	0.00	11.11	15.00	Up to 3 days	-	May 23, 2008
Western Union	MTO	20.00	0.00	14.81	19.99	Instant	-	May 23, 2008
Bank/MTO Average		15.00	0.00	11.11	15.00
Bank/Post office Average		5.16	0.00	3.82	5.16
MTO Average		16.17	0.00	11.98	16.17
MTO/Post office Average		13.50	0.00	10.00	13.50
Total Average		13.69	0.00	10.14	13.69
First Quarter 2009		14.39	0.76	11.42	15.42

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	5.16	0.00	1.56	5.15	3-4 days	-	May 23, 2008
MoneyGram	MTO	13.50	0.00	4.09	13.50	Instant	-	May 23, 2008
Coinstar	MTO	15.00	0.00	4.55	15.02	24 hours	-	May 23, 2008
Metro Remittance (Italia)	Bank/MTO	15.00	0.00	4.55	15.02	Up to 3 days	-	May 23, 2008
Western Union	MTO	20.00	0.00	6.06	20.00	Instant	-	May 23, 2008
MoneyGram via Poste Italiane	MTO/Post office	22.50	0.00	6.82	22.51	Instant	-	May 23, 2008
Bank/MTO Average		15.00	0.00	4.55	15.02
Bank/Post office Average		5.16	0.00	1.56	5.15
MTO Average		16.17	0.00	4.90	16.17
MTO/Post office Average		22.50	0.00	6.82	22.51
Total Average		15.19	0.00	4.60	15.18
First Quarter 2009		15.34	0.76	5.41	17.85

Corridor note

RSPs are not able to quote the amount to be received in local currency. The 0% in the exchange rate margin does NOT necessarily mean that there is no exchange rate cost, but rather that this cost is not known by the sender at the time of sending.

Banks are able to send money internationally for their account holders only.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	7.64	0.00	3.82	7.64	3-4 days	-	May 23, 2008
MoneyGram	MTO	20.00	0.00	10.00	20.00	Instant	-	May 23, 2008
MoneyGram via Poste Italiane	MTO/Post office	20.00	0.00	10.00	20.00	Instant	-	May 23, 2008
Coinstar	MTO	22.22	0.00	11.11	22.22	24 hours	-	May 23, 2008
Metro Remittance (Italia)	Bank/MTO	22.22	0.00	11.11	22.22	Up to 3 days	-	May 23, 2008
Western Union	MTO	29.63	0.00	14.81	29.62	Instant	-	May 23, 2008
Bank/MTO Average		22.22	0.00	11.11	22.22
Bank/Post office Average		7.64	0.00	3.82	7.64
MTO Average		23.95	0.00	11.98	23.96
MTO/Post office Average		20.00	0.00	10.00	20.00
Total Average		20.29	0.00	10.14	20.28
First Quarter 2009		21.32	0.76	11.42	22.84

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Poste Italiane	Bank/Post office	7.82	0.00	1.56	7.80	3-4 days	-	May 23, 2008
MoneyGram	MTO	20.45	0.00	4.09	20.45	Instant	-	May 23, 2008
Coinstar	MTO	22.73	0.00	4.55	22.75	24 hours	-	May 23, 2008
Metro Remittance (Italia)	Bank/MTO	22.73	0.00	4.55	22.75	Up to 3 days	-	May 23, 2008
Western Union	MTO	30.30	0.00	6.06	30.30	Instant	-	May 23, 2008
MoneyGram via Poste Italiane	MTO/Post office	34.09	0.00	6.82	34.10	Instant	-	May 23, 2008
Bank/MTO Average		22.73	0.00	4.55	22.75
Bank/Post office Average		7.82	0.00	1.56	7.80
MTO Average		24.49	0.00	4.90	24.50
MTO/Post office Average		34.09	0.00	6.82	34.10
Total Average		23.02	0.00	4.60	23.00
First Quarter 2009		23.24	0.76	5.41	27.05

Corridor note

Banks are able to send money internationally for their account holders only.

Remitting from Italy to India

Collection period for Third quarter 2009 | First quarter 2009 | 2008

See prices in EUR | USD

140350

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
ICICI Bank	Bank	2.00	1.06	2.49	3.49	2 days	Nationwide	Aug 07, 2009
Remit2India	MTO	2.00	1.33	2.76	3.86	Next day	Nationwide	Aug 07, 2009
Moneybookers	MTO	2.30	2.52	4.17	5.84	Less than one hour	Nationwide	Aug 07, 2009
Coinstar	MTO	6.00	0.33	4.62	6.47	Less than one hour	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	7.10	*0.00	*5.07	*7.10	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	8.60	*0.00	*6.14	*8.60	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	8.60	*0.00	*6.14	*8.60	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	10.10	*0.00	*7.21	*10.09	3-5 days	Nationwide	Aug 07, 2009
MoneyGram	MTO	8.50	1.49	7.56	10.58	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram via Poste Italiane	MTO/Post office	8.50	1.49	7.56	10.58	Less than one hour	Nationwide	Aug 07, 2009
iKobo	MTO	11.50	0.00	8.21	11.49	Less than one hour	Nationwide	Aug 07, 2009
Western Union	MTO	9.00	1.84	8.27	11.58	Less than one hour	Nationwide	Aug 07, 2009
Bank Average		7.28	0.21	5.41	7.57
MTO Average		6.55	1.25	5.93	8.30
MTO/Post office Average		8.50	1.49	7.56	10.58
Total Average		7.02	0.84	5.85	8.19
Total Average in First Quarter 2009		5.91	1.11	5.49	7.69

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
ICICI Bank	Bank	2.00	1.06	1.64	5.74	2 days	Nationwide	Aug 07, 2009
Remit2India	MTO	2.00	1.33	1.90	6.65	Next day	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	7.10	*0.00	*2.03	*7.10	3-5 days	Nationwide	Aug 07, 2009
Coinstar	MTO	6.00	0.33	2.04	7.14	Less than one hour	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	8.60	*0.00	*2.46	*8.61	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	8.60	*0.00	*2.46	*8.61	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	10.10	*0.00	*2.89	*10.12	3-5 days	Nationwide	Aug 07, 2009
Moneybookers	MTO	2.30	2.52	3.18	11.13	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram	MTO	13.50	1.49	5.35	18.72	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram via Poste Italiane	MTO/Post office	13.50	1.49	5.35	18.72	Less than one hour	Nationwide	Aug 07, 2009
iKobo	MTO	21.25	0.00	6.07	21.24	Less than one hour	Nationwide	Aug 07, 2009
Western Union	MTO	15.00	1.84	6.13	21.46	Less than one hour	Nationwide	Aug 07, 2009
Bank Average		7.28	0.21	2.29	8.02
MTO Average		10.01	1.25	4.11	14.38
MTO/Post office Average		13.50	1.49	5.35	18.72
Total Average		9.16	0.84	3.46	12.11
Total Average in First Quarter 2009		7.47	1.11	3.37	11.80

Corridor note

* indicates that the RSP is not transparent and did not provide all the relevant information. Roll-over firm name for more info.

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ICICI Bank	Bank	2.86	1.06	2.49	4.98	2 days	Nationwide	Aug 07, 2009
Remit2India	MTO	2.86	1.33	2.76	5.52	Next day	Nationwide	Aug 07, 2009
Moneybookers	MTO	3.29	2.52	4.17	8.34	Less than one hour	Nationwide	Aug 07, 2009
Coinstar	MTO	8.57	0.33	4.62	9.24	Less than one hour	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	10.14	*0.00	*5.07	*10.14	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	12.29	*0.00	*6.14	*12.28	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	12.29	*0.00	*6.14	*12.28	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	14.43	*0.00	*7.21	*14.42	3-5 days	Nationwide	Aug 07, 2009
MoneyGram	MTO	12.14	1.49	7.56	15.12	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram via Poste Italiane	MTO/Post office	12.14	1.49	7.56	15.12	Less than one hour	Nationwide	Aug 07, 2009
iKobo	MTO	16.43	0.00	8.21	16.42	Less than one hour	Nationwide	Aug 07, 2009
Western Union	MTO	12.86	1.84	8.27	16.54	Less than one hour	Nationwide	Aug 07, 2009
Bank Average		10.40	0.21	5.41	10.82
MTO Average		9.36	1.25	5.93	11.86
MTO/Post office Average		12.14	1.49	7.56	15.12
Total Average		10.02	0.84	5.85	11.70
Total Average in First Quarter 2009		8.76	1.11	5.49	10.98

	Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
ICICI Bank	Bank	2.86	1.06	1.64	8.20	2 days	Nationwide	Aug 07, 2009
Remit2India	MTO	2.86	1.33	1.90	9.50	Next day	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	10.14	*0.00	*2.03	*10.15	3-5 days	Nationwide	Aug 07, 2009
Coinstar	MTO	8.57	0.33	2.04	10.20	Less than one hour	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	12.29	*0.00	*2.46	*12.30	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	12.29	*0.00	*2.46	*12.30	3-5 days	Nationwide	Aug 07, 2009
Banca Intesa SanPaolo*	Bank	14.43	*0.00	*2.89	*14.45	3-5 days	Nationwide	Aug 07, 2009
Moneybookers	MTO	3.29	2.52	3.18	15.90	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram	MTO	19.29	1.49	5.35	26.75	Less than one hour	Nationwide	Aug 07, 2009
MoneyGram via Poste Italiane	MTO/Post office	19.29	1.49	5.35	26.75	Less than one hour	Nationwide	Aug 07, 2009
iKobo	MTO	30.36	0.00	6.07	30.35	Less than one hour	Nationwide	Aug 07, 2009
Western Union	MTO	21.43	1.84	6.13	30.65	Less than one hour	Nationwide	Aug 07, 2009
Bank Average		10.40	0.21	2.29	11.45
MTO Average		14.30	1.25	4.11	20.55
MTO/Post office Average		19.29	1.49	5.35	26.75
Total Average		13.09	0.84	3.46	17.30
Total Average in First Quarter 2009		11.32	1.11	3.37	16.85

Corridor note

* indicates that the RSP is not transparent and did not provide all the relevant information. Roll-over firm name for more info.

135330

				Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Remit2India	MTO	2.00	0.61	2.09	2.82	Next day	Nationwide	Feb 17, 2009
ICICI Bank	Bank	2.39	1.62	3.39	4.58	2 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - non a/c holder to non ICICI a/c holder	Bank	5.60	0.00	4.15	5.60	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO BANK - non a/c holder to ICICI bank a/c holder	Bank	5.60	0.00	4.15	5.60	3-5 days	Nationwide	Feb 17, 2009
Poste Italiane	Bank/Post office	3.25	2.04	4.45	6.01	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder account to non ICICI bank a/c account holder	Bank	7.10	0.00	5.26	7.10	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder to ICICI a/c holder	Bank	7.10	0.00	5.26	7.10	3-5 days	Nationwide	Feb 17, 2009
Coinstar	MTO	6.00	1.01	5.45	7.36	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram	MTO	8.50	2.31	8.60	11.61	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram via Poste Italiane	MTO/Post office	8.50	2.31	8.60	11.61	Less than one hour	Nationwide	Feb 17, 2009
Western Union	MTO	9.00	2.31	8.97	12.11	Less than one hour	Nationwide	Feb 17, 2009
Bank Average		5.56	0.32	4.44	5.99
Bank/Post office Average		3.25	2.04	4.45	6.01
MTO Average		6.38	1.56	6.28	8.48
MTO/Post office Average		8.50	2.31	8.60	11.61
Total Average		5.91	1.11	5.49	7.41
Total Average in 2008		6.95	1.98	7.13	9.63

	Total cost
Firm name	Firm type	Fee (EUR)	Exchange rate margin (%)	Percent (%)	EUR	Transfer speed	Network Coverage	Date
Remit2India	MTO	2.00	0.61	1.22	4.03	Next day	Nationwide	Feb 17, 2009
INTESASANPAOLO - non a/c holder to non ICICI a/c holder	Bank	5.60	0.00	1.70	5.61	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO BANK - non a/c holder to ICICI bank a/c holder	Bank	5.60	0.00	1.70	5.61	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder account to non ICICI bank a/c account holder	Bank	7.10	0.00	2.15	7.10	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder to ICICI a/c holder	Bank	7.10	0.00	2.15	7.10	3-5 days	Nationwide	Feb 17, 2009
ICICI Bank	Bank	2.39	1.62	2.34	7.72	2 days	Nationwide	Feb 17, 2009
Coinstar	MTO	6.00	1.01	2.83	9.34	Less than one hour	Nationwide	Feb 17, 2009
Poste Italiane	Bank/Post office	4.39	2.04	3.37	11.12	3-5 days	Nationwide	Feb 17, 2009
MoneyGram	MTO	13.50	2.31	6.40	21.12	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram via Poste Italiane	MTO/Post office	13.50	2.31	6.40	21.12	Less than one hour	Nationwide	Feb 17, 2009
Western Union	MTO	15.00	2.31	6.85	22.60	Less than one hour	Nationwide	Feb 17, 2009
Bank Average		5.56	0.32	2.01	6.63
Bank/Post office Average		4.39	2.04	3.37	11.12
MTO Average		9.12	1.56	4.32	14.26
MTO/Post office Average		13.50	2.31	6.40	21.12
Total Average		7.47	1.11	3.37	11.12
Total Average in 2008		10.67	1.98	5.21	17.19

200500

				Total cost
Firm name	Firm type	Fee (USD)	Exchange rate margin (%)	Percent (%)	USD	Transfer speed	Network Coverage	Date
Remit2India	MTO	2.96	0.61	2.09	4.18	Next day	Nationwide	Feb 17, 2009
ICICI Bank	Bank	3.54	1.62	3.39	6.78	2 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - non a/c holder to non ICICI a/c holder	Bank	8.30	0.00	4.15	8.30	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO BANK - non a/c holder to ICICI bank a/c holder	Bank	8.30	0.00	4.15	8.30	3-5 days	Nationwide	Feb 17, 2009
Poste Italiane	Bank/Post office	4.81	2.04	4.45	8.90	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder account to non ICICI bank a/c account holder	Bank	10.52	0.00	5.26	10.52	3-5 days	Nationwide	Feb 17, 2009
INTESASANPAOLO - a/c holder to ICICI a/c holder	Bank	10.52	0.00	5.26	10.52	3-5 days	Nationwide	Feb 17, 2009
Coinstar	MTO	8.89	1.01	5.45	10.90	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram	MTO	12.59	2.31	8.60	17.20	Less than one hour	Nationwide	Feb 17, 2009
MoneyGram via Poste Italiane	MTO/Post office	12.59	2.31	8.60	17.20	Less than one hour	Nationwide	Feb 17, 2009
Western Union	MTO	13.33	2.31	8.97	17.94	Less than one hour	Nationwide	Feb 17, 2009
Bank Average		8.23	0.32	4.44	8.88
Bank/Post office Average		4.81	2.04	4.45	8.90
MTO Average		9.44	1.56	6.28	12.56
MTO/Post office Average		12.59	2.31	8.60	17.20
Total Average		8.76	1.11	5.49	10.98
Total Average in 2008		10.30	1.98	7.13	14.26