I am getting perplexed why WYSINWYG:

I was trying to login to an ftp server from the CLI.  Typing in the passwd 
failed every time.  I then set it up as a network connection in Konqueror and 
I had no problem at all connecting using the same passwd.  However, I noticed 
that some additional characters had been added by konqueror's interpretation 
of what the passwd ought to look like; e.g.

Original passwd:  XXXXXXX%02XXXX
Konqueror passwd: XXXXXXX%2502XXXX

Konqueror added 25 to it, after the percentage sign.  True enough when I tried 
the augmented string as a passwd on the command line I was able to login 
fine.  My terminal is TERM=rxvt and shell is SHELL=/bin/bash.  Is there a way 
to simplify this confusion and allow what I type to login normally?  
Otherwise, where can I find what characters I should be typing in for all 
sort of symbols like "^&*[]<>#@" ?
-- 
Regards,
Mick