付款到國外二選一 - 銀行

各位銀行專業的朋友好，
我明年要到德國交換學生，想報名語言密集班，
校方接受以下兩種付款方式　匯款或信用卡付款

1. You may pay by bank transfer to the following account (Please don′t
forget that transfer fees can be rather high.):
Remittee: Universitüt Tübingen, ADaF, "Deutsch-Kompakt"
Account number:13004
Bank: Kreissparkasse Tübingen
Routing code: 641 500 20
IBAN DE 1364 1500 2000000 13004
Swift Code SOLADES1 TUB

2. You may pay by credit card (VISA-CARD or EUROCARD/ Master-Card).
Please provide your details (card number, expiry date, CVC-Code)
by post or by fax using the Kreditkartenformular(信用卡申請表的德文).
Please consider the fact in case you pay with a credit card, you
have to pay an additional fee of €35, which you should remember
to pay in cash on the first day of the course.

問題是我不清楚兩種方式的手續費孰高孰低
此筆款項不急，我想尋求額外費用較低的

請問
若用第一種方式（匯款），手續費是否會高於35歐元？
又，是否有較推薦的辦理銀行（手續費低或有其他福利）？

第一次來銀行服務板，爬文和精華區都沒解決我的困惑，期待各位解答
感謝！

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我的戰爭尚未成為歷史。

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