please beware of the VAT Transfer charges as fund leaving out from a fixed deposit account to a foreign remittance account. The beneficiary is obliged to clear the Clearance Vat Charges to enable the fund clear up into the beneficiaries account within 6 hours of transfer activation. The VAT transfer charges is important to protect the fund in transit against theft, or transfer divert of fund, or STOP of fund by Local / federal government agencies however be aware that its important for all beneficiary to clear the VAT insurance charges to enable the fund clear up into your bank account until 6 hours of activating the transfer.