the hawala from Germany to Somalia charge less than 2 percent
I found this hard to believe, so I did some research. While I found that UK>Somalia was one of the cheapest corridors at only 5.8%, I think your 2% figure may be exaggerated. Perhaps you can if you send a very large amount.
The amount that the rates vary in Africa is astounding! Sending from South Africa to a bunch of other African countries costs >20%.
Here is a summary of the World Bank report:
The average total cost of sending money to Africa in Q4 2012 was 11.89
percent; the second highest since the SMA database was launched in Q3 2011.
The cost of sending money to Africa in Q4 2012 was nearly three percentage
points more expensive than the global average cost for the same period, which
measured at 8.96 percent, according to Remittance Prices Worldwide (see
http://remittanceprices.worldbank.org).
The 10 most expensive corridors were all intra-Africa; with the top five all
originating in South Africa.
The most expensive sending markets of those surveyed are Tanzania, South
Africa, and Ghana. The cheapest sending markets are those in the Gulf – UAE,
followed by Saudi Arabia, and Spain.
The most expensive countries to send money to are those receiving mainly
from other African countries – namely Malawi, Botswana, and Mozambique.
The cheapest market to send money to is Egypt – surveyed only in the Gulf
countries in the sample. Egypt is followed by Liberia and Somalia.
Commercial banks continue to be the most expensive RSP type.
Bank account services are the most expensive method of transfer
remittances.
