They dont have a surcharge cuz there is no option to transfer. However the deposit charged are already high, show they should facilitate trf of money through atm/bank and make it free. Not everyone has the time or patience for dvp
But are you saving money or losing money. If your money cant beat the inflation it aint saving, its losing. Anyway, thats not the point. The point is to enable transfer of money
Yes. We lose so that we're encouraged to take a risk and hire tutors You have a potential to earn with tuts