When you make an international bank (wire) transfer you can choose who pays the transfer charges.
The OUR instruction means you pay all transfer charges. We receive all your payment.
SHA (shared) means you only pay your bank's outgoing transfer charge. We receive your payment minus the correspondent (intermediary) bank charges.
BEN (beneficiary) means you do not pay any charge. We receive your payment minus all transfer charges.
We require all international transfers to us to be made with the OUR instruction. The only exception is EU-payments in EUR which can be made by SEPA payment (up to EUR50,000 per single wire transfer).