Money & Cost

International Wire Transfer Fee Comparator

The bank wire fee is what you see. The FX margin is what you don't. Both add up.

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Amount to send (USD)

Destination country

Transfer speed

Recipient receives

Idle

How to use this calculator well

Include the destination country — FX margins vary 4x.
Slower transfers are 60-90% cheaper. If urgent, expect to pay.
Cash pickup is convenient but ~$5 pricier than bank deposit on most providers.
Wise / Remitly generally beat bank wires by $25-50 per $1,000.

Frequently asked questions

Why does FX margin matter so much?

Most remittance services don't pass on the mid-market rate. A 3% margin on $1,000 is $30; on $10,000 it's $300. Over a school year of monthly transfers, this is real money.

Is Western Union safer?

Yes (regulated, bonded), but usually 2-3x more expensive than Wise or Remitly. Use for cash pickup where recipient doesn't have bank access.

Should I batch transfers?

Yes — sending $3,000 once vs $1,000 thrice saves 1-2 fees per period.

Where this estimate falls short

Fees change quarterly. Update this tool when you send.
Some countries have additional correspondent bank fees not modeled.
Recipient bank may charge for incoming wires (not modeled).

International Wire Transfer Fee Comparator

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How to use this calculator well

Frequently asked questions

Where this estimate falls short

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