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I am paying 15 to 20% to western union... I haven't tried debit card so far.. Omnipay is cheaper but it takes 3 to 4 weeks before your e-gold becomes real money..
Thats quite the charge for a transfer. I'd use the London Gold Exchange. Debit cards are a bit different as they have a monthly fee, transaction fee and card funding fee so you would have to chose which is more convenient.