hiya,, if your gona make a small depo then i suggest that you depo with the visa,, the % wont be that much but if you want to avoid the % you could depo using the bank transfer which would only take a set fee(which is not that much) but it works best if your making a big depo... best way to explain it is:
your going to depo only 100$=1000peds(example)
visa+%= 35ped charge= 3.5 USD
bank+set fee(depends on bank so lets around 12 USD)= 120 ped charge
so bank works good if your making a big depo,, you save more
