I have recently discussed bank charges for transfers and landing fees with three bank managers here in Valencia. They have all told me that charges are very negotiable. The key seems to be to agree a rate three or four days before you send – or expect to receive – the money. You will probably not get far if you try to negotiate retrospectively, or with the signed transfer form in your hand. Unless, of course, you are highly valued client.
You should also be clear about the three charging systems –
BEN – the beneficiary pays all costs
SHA – the costs are divided between the sender and the beneficiary
OUR – the sender pays all costs
A close look at the bank transfer form will tell you which charges apply.
As for European directives – these are usually viewed by the Spanish as vaguely interesting academic exercises but of little practical application.