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If you transfer ₦5,000 two times, you no go pay the ₦50 give government but you go pay the normal bank charges two times.

Money way you send₦ 5000
Bank charge₦ 10
VAT₦0.75
SMS Alert charge₦ 4
₦ 5,014.75

When you pay am two times, the money go be ₦10,029.5 insted way you for pay ₦10,083.025 way mean say you go save ₦53.53k if you send the 5000 two times.