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As an experienced trader who carefully analyzes broker transparency and costs, I pay particularly close attention to fee structures—especially those concerning deposits and withdrawals. From my thorough review of Johnan Shinkin's available information, it’s clear that there are multiple fees disclosed for various services. These include ATM usage fees, transfer fees, exchange fees, and cash deposit/withdrawal fees. However, I did not find explicit mention of "undisclosed" fees for deposits or withdrawals—everything noted appears to be outlined within their fee list. That said, the sheer number of different charges, paired with the fact that they operate without specific regulatory oversight, is something I treat with caution. The absence of clear, detailed regulatory standards often means fee structures can change and finer details may not always be immediately apparent. In my experience, when dealing with any financial institution—especially one that isn’t regulated—it's important to directly confirm the latest fee schedule with the provider, and to continually monitor your transaction records for unexpected charges. While Johnan Shinkin appears to publish their fees prominently, I personally would not assume there are no further charges beyond what’s advertised, given the bank's regulatory situation. For me, transparency and regulation are vital for trust, so I proceed cautiously and recommend confirming all details firsthand.