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\section{Fees per wire} \label{sec:fees:wire}
Wire fees apply whenever an exchange needs to initiate a wire transfer to
another bank account. Wire fees do not apply to every individual payment to a
merchant, as merchants can choose to {\em aggregate} multiple micropayments
into one large payment on the wire. Wire fees also do not apply to
wallet-to-wallet payments within the Taler system.
A {\bf wire} fee is applied when a merchant receives
an aggregated payment into their bank account.
A {\bf closing} fee is applied when a wallet fails to
withdraw coins and money has to be sent back to the
originating bank account.
\begin{table}[h!]
\caption{Table with wire fees. Wire fees are set annually.}
\label{table:fees:wire}
\begin{center}
\begin{tabular}{l|c|r}
{\bf Year} & {\bf Fee type} & {\bf Amount} \\ \hline \hline
2023 & wire & {\em CHF 0.05} \\
2023 & closing & {\em CHF 0.10} \\
2024 & wire & {\em CHF 0.05} \\
2024 & closing & {\em CHF 0.10} \\
2025 & wire & {\em CHF 0.05} \\
2025 & closing & {\em CHF 0.10} \\
\end{tabular}
\end{center}
\end{table}
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