As stated, the Instacash fee when depositing from your bank account directly into your Neteller account, the fee is 8.9% of the deposit. However, for those offshore sites that have the Instacash feature available, the funds are deposited directly into your offshore account and the fees are lower, such as with WSEX, the fee is zero, ie. free. With Pinnacle, the fee is 5%. Check out your offshore book(s) to see if they accept Instacash and what fees they charge. It will be, no doubt, be less then the 8.9%. BTW, it is still a Neteller transaction and you receive credit for the deposit towards the cash giveaway points.