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if you're from outside the us, you should have no problems using ewallets to move money.

i wouldn't use a local and pay the 5%. look into neteller and other ewallets. also, i would look into...

if you want to deposit to bovada and bet $400, you'll get charged 4.9% deposit fee. So basically you're already down, $19.60. Plus, depending on your bank, your bank might charge you another 3% fee...