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We might even say that TransferWise problems can be fun to solve. With the different types of fees, exchange rates and estimated transaction times it's not easy for customers like you to understand what is a fair price and what delivery time you should expect. The reason TransferWise can afford to charge you so little, and use the mid-market rate, is because your money never crosses borders. It follows strict regulations in every country it operates in, and it goes to great lengths to verify customers' identities, and to protect them from fraud. With the development of online money transfers and digital banking, the market has become more transparent and accessible, so you can transfer money internationally and exchange multiple currencies having access to the information you need. Depending on the currency you need to transfer, the process should be completed within days.
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With the different types of fees, exchange rates and estimated transaction times it's not easy for customers like you to understand what is a fair price and what delivery time you should expect. With the development of online money transfers and digital banking, the market has become more transparent and accessible, so you can transfer money internationally and exchange multiple currencies having access to the information you need.
But if you're not careful, you might end up paying more than you should for the convenience of a fast money transfer, which is not always necessary nor the best option. With this guide, we'd like to help you navigate the international money transfer market and introduce you to TransferWise as our preferred provider.
What you should know about pricing is that banks and most online providers charge a transaction fee for transferring your money and add a fee for converting it. While a transaction fee is a usual charge which companies have to stay in business, the conversion fee is a margin which is most times hidden in the exchange rate.
So when you see different exchange rates at banks and online providers it means that you might be paying more than you should. More about the exchange rate and the conversion fees in the next section.
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Gambling law[ edit ] The Italian Criminal law proclaims gambling illegal, be it organized in a public place, an open-to-public place or a private club. At the same time, according to the Italian law, there's a difference between the games of luck and games where the outcome depends on the player's skills. Sports-betting, lotteries and some other activities fall into the category of legal and regulated gambling activities.
Only the State has the right to allow gambling. The punishment for breaking the law ranges from fines to imprisonment. The main reason why the Italian government adhered to strict rules was the desire to avoid the possible negative effects associated with the industry. The following amendments liberalized the market in Legalisation of real-money skill games and betting exchange Opening of the Italian gambling market to operators from EU and EFTA countries on condition they meet certain requirements Opening of the new license tender that was supposed to rearrange the network of offline betting establishments and also providing possibility for online gaming operators to offer their services on a legal basis.
It legalized card games of skill, specifying that such games should be played in the form of a tournament with the stake equal to the tournament entry fee. This automatically legalized " Texas Hold'em ". Other poker games as well as video poker games based on the same rules were prohibited as being dependent wholly on pure luck. The "Comunitaria" decree February was a real breakthrough for the gambling industry in Italy. It provided a regulation for cash poker games and casino games and also anchored changes introduced in the previous version of the decree.
One of its most notable aspects was the new tax regime based on the profit rather than on the turnover. The maximum buy-in for a poker tournament was set at EUR and the maximum initial stake for each gaming session could not exceed EUR 1, The reason for such action was very stringent Italian legislation prohibiting even legitimate European gambling operators to offer their online services in Italy.
Websites run by other operators were blocked to prevent Italians from using them. According to this law, organising a game of chance in a public place, an open-to-public place or a private club, was forbidden and could result in imprisonment and monetary sanction. Such activities required a special license and police authorization. However, this approach was not compatible with the principles of the EEC Treaty concerning the freedom of establishment and the freedom to provide cross-border services Articles 43 et seq.