Calculate total costs, compare exchange rates, and find the best way to send money internationally. Get accurate estimates for bank transfers, Wise, PayPal, Western Union, and more.
Calculating best rates and fees...
Calculate total costs including transfer fees, exchange rate margins, and hidden charges for international money transfers.
Side-by-side comparison of Wise, banks, Western Union, PayPal, and other services to find the best rates.
Get current mid-market rates and see how much margin providers add for currency conversion.
Understand regulatory requirements, transfer limits, and security measures for international remittances.
When sending money internationally, you typically pay three types of costs:
Fixed or percentage-based fees charged by the transfer service. Banks typically charge $25-$50 per international wire transfer, while specialist services like Wise charge lower fees (often under $10).
The difference between the mid-market rate (real exchange rate) and the rate offered by the provider. This hidden cost can add 1-5% to your transfer. Our calculator reveals this margin so you can choose the best rate.
Intermediary bank fees, receiving bank fees, and payment method charges (credit card fees are typically higher than bank debit).
Traditional method with high security but typically higher fees (SWIFT transfers cost $25-$50) and slower processing (3-5 business days). Exchange rates are usually poor with 3-5% margin.
Digital-first providers offering better exchange rates (close to mid-market), lower fees, and faster transfers. Best for most international money transfers.
Convenient for small transfers between users of the same platform, but exchange rates are poor and fees can be high for currency conversion.
Good for urgent cash pickups but typically have higher fees and worse exchange rates than digital specialists.
International money transfers are regulated to prevent money laundering and terrorist financing. Be prepared to provide:
Most countries have reporting requirements for transfers above certain thresholds (e.g., $10,000 in the USA).
Specialist transfer services like Wise typically offer the best combination of low fees and competitive exchange rates. Our calculator helps you compare options for your specific transfer.
Transfer times vary: bank wires (3-5 business days), specialist services (1-2 days), cash transfers (minutes to hours), and digital wallets (instant to 24 hours).
Reputable services use bank-level security, encryption, and are regulated by financial authorities. Always use licensed providers and check their security measures.
You'll need the recipient's full name, bank account details (account number, routing/SWIFT code), and address. For larger amounts, additional verification may be required.
It depends on the provider and transfer stage. Bank wires are difficult to cancel once initiated, while some digital services allow cancellation before the transfer is processed.
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