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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, most services allow you to transfer money in various currencies.
The exchange rate will be set by the service at the time of the transfer.
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.
