How can you save on wiretransfer?

Question

Freelance

Income is not big yet, but not small either. For individual entrepreneurs, only wiretransfer is suitable and $30 is still a robbery for me (when withdrawing $1000, this is + 3% plus 6% taxes + 10% upwork commission for mediation). How can this amount be optimized, except perhaps for the withdrawal of large amounts once every 4 months?
This is the first.
The second is the withdrawal of $ from the account. For the transfer to the account of an individual, the currency is again $ 30 ... And withdrawing directly from the account, not all banks seem to be able to

Answer 1

1) No way
2) Now banks are struggling with cashing out, therefore they charge interest for withdrawals from the account. But if you transfer from a currency account to an individual's currency account with subsequent withdrawal, then at least in Vanguard without a commission, you only need to pay a certificate of currency transactions (300 rubles)

Answer 2

you yourself answered your own question,
but from SP you can transfer to the account of an individual, I’m not sure though that SP has the right to transfer dollars.

Answer 3

no way to optimize. But you can choose a bank with very cheap rates!
1000$ is +3% plus 6% taxes + 10% upwork commission for mediation
and another 18% with 10% upwork!
Since you bought a service from upwork for $10, you still need to pay VAT on this amount in the amount of 18%.
For those who are interested, here are the points of the Tax Code.
Points 1, 2 and 5 of Article 161 of the Tax Code of the Russian Federation speak about VAT. And about the place of sale of services says paragraph 4 of Article 148 of the Tax Code of the Russian Federation. I will translate all these points into digestible Russian - if a foreign person who is not registered as a taxpayer sells goods, services or property rights in Russia, then the buyer of these goods, services, property rights (the other side of the agreement) becomes a tax agent of a foreign person and the obligation to pay VAT shall be transferred to him.
For the purposes of this chapter, the territory of the Russian Federation is recognized as the place of sale of works (services) if:
4) the buyer of works (services) operates in the territory of the Russian Federation.
On the second point - I repeat Select a bank where there are loyal rates for transferring from an individual entrepreneur to an individual.

Answer 4

For example, this is transferwise.com
The only question is how to tie it to upwork.
Either withdraw via payoneer or Stripe