[NajdorfDefense]

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"Wire transfers" means something like Western Union, right? I don't think an EFT to Neteller is a wire transfer. Anyone know?

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I think it is. Your bank, say, Cittigrupe, is wiring money to Neteller PLC, a foreign corporation.

Sounds like a wire transfer to me. YMMV. [I know it's called an EFT to consumers, but I believe the Feds regard them all as 'wires' if you catch my drift.]