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Using the neutral AH is certainly not against the ToS, but it is costly (the AH takes a 15% cut).
The cheap way to transfer money is risky. You buy something on Horde Side that will sell on Ally side. You list it on neutral AH for 1 silver and buy it right away with your confederate on the other faction. The risk is that a stranger will buy it instead.
Neither of these is against ToS but if you lose your pants, Blizz will just smile and tell you that's the risk you took. Working as intended.
i think the OP wanted to take someone's gold alliance side and give them that amount back in gold on horde side (or vice versa). as far as i know, it's not against ToS and while it does save you the cut the AH takes, it requires a fair amount of trust in the individual who you're trading with.
Transfering items can be risky.
Just remember that there's a 15% cut. Do that with 1k gold, all you get is 850 gold.
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