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If for some reason the bank's rate on that day was higher than the Central Bank's rate (the rarest case), the "service" received is also taxed. It is easier to follow this point than to deal with additional calculations.
Yes, each service has its own limits on the transfer amount. You can find information about the limits on the service's website or app.
The cost of a transfer can vary depending on the amount, chosen service, and delivery method. Online services like Wise often offer better exchange rates and lower fees than traditional banks.
