Hi,
In that case, you can do like that:
1. create one payment zone via the menu System>Zones and add all the countries except the local one as sub zones of that zone.
2. create two bank transfer payment method instances via the menu System>Payment methods.
3. In each one, set the "Zone" option of the "Restrictions" area with the zone (either the country or the new zone you created), and enter in the "price" field the extra fee you want.
The system will then display one or the other based on the user address during the checkout.