A month ago I tried my first Withdraw to Bank and had to go to my bank's website and locate a SWIFT code. I entered the details and the SWIFT code even though the directions given on the form were a little vague. A month later and still no funds in my account. Surely if TES can convert to overseas currencies for purchases from customers they can do the same for their overseas authors. I took the precaution of withdrawing a smaller amount the first time around but am not going to risk more funds being lost in cyberspace until the first amount is located.