Sorry that you had a bad experience with your money transfer. It sounds as if your USD credit card company charged you a very poor USD/EUR rate. And possibly also the receiving or intermediary bank. Our transfer fee would have been exactly as stated (€4.99) and not a cent more. If you send us the details we can look at the end-to-end details of this complex transaction and there may be something we can do to help. Xendpay Team