The pitfalls of 'one more transfer' with digital offshore accounts

Been looking into digital offshore banking for managing some international income streams, specifically with a view to ease of transfer and multi-currency accounts. Initially, it seemed like a no-brainer: quicker setup, lower fees compared to traditional banks for certain operations, and accessibility. However, I've noticed a recurring pattern of underestimating the true cost when making what I thought were small, 'one more' interbank transfers, especially when converting between less common pairs. Each small transfer, while individually not crippling, added up quickly due to percentage-based fees and less-than-ideal exchange rates compared to larger, aggregated movements. It's not about the advertised low per-transfer fee, but the cumulative effect and the spread on smaller conversions that gets you. Definitely a lesson in pre-calculating the aggregate impact of frequent, smaller movements versus consolidating.