Five Per Cent of a Transfer Fee Is Not the Selling Club's Money. It Took a Bank in Paris to Make It Arrive.
Five per cent of a transfer fee is owed to the clubs that trained the player between 12 and 23. Payments worldwide ran at USD 35 to 55 million a year before November 2022; USD 164.8 million was paid in 2024.
What you can do. Read an announced fee as money with more than one claimant. FIFA publishes its rulebook, the clearing-house regulations and training-reward totals by association, all free to download.