Paysend Fee Calculator

See Paysend's own prices for card-to-card international transfers to 170+ countries: its fee, its exchange rate, and what your recipient receives.

Calculate Transfer Fees

Calculate your Paysend transfer cost from Paysend's own quotes

You Send

From Country

Amount to Send

$USD

Recipient Gets

To Country

Enter an amount to see the estimate

Paysend Fee Structure

Fee: depends on the amount and the method

* Paysend's fee and rate markup from its own quotes at the amounts we collected, on today's mid-market rate; between those amounts a fee is shown only where it is known. Real cost varies by corridor, amount, delivery and payment method, and promotions. Check the provider for a live quote.

Also worth checking: Wise

Wise says it converts at the mid-market rate and shows its whole cost as one fee. Compare what your recipient gets before you send.

See Wise’s rate

Important: Prices here are worked out from Paysend's own fees and exchange rate for each route, the same way Paysend's calculator does, and amounts between the ones we priced exactly are marked as estimates. Where Paysend offers a promotional bonus rate, it isn't shown as the standard price. Always check the Paysend app for the live price before you send.

Paysend is a London-based fintech that built its name on one clever idea: sending money straight to a recipient's debit or credit card using nothing but the 16-digit card number. No IBANs, no sort codes, no waiting for the recipient to register an account. Since 2017 it has grown to cover 170+ countries and 70+ currencies, and families use it to send remittances to India, the Philippines, Mexico, Nigeria and across Europe.

What sets Paysend apart from the likes of Wise, Remitly or Western Union is mainly how the money arrives: straight onto a card. On price, a Paysend transfer costs what any transfer does: a transfer fee, which Paysend usually takes out of the amount you send, and the exchange rate it applies when converting your money. Both depend on the route.

That makes the exchange rate as important as the fee, because the rate decides how much your recipient actually gets. The fee alone isn't the whole story: compare Paysend's rate with the mid-market rate, and compare the final amount your recipient receives with what other providers offer.

Use the tool above to see Paysend's own price for your route before you commit, then check the Paysend app for the live quote on the exact amount you plan to send.

How Paysend Fees Are Calculated

Paysend's pricing has two parts: a transfer fee and the exchange rate it applies. The fee is usually taken out of the amount you send, so your recipient gets the converted remainder. The exchange rate is the part most people miss, so it pays to compare the quoted rate against the real mid-market rate.

The calculator above works out Paysend's price from Paysend's own fees and exchange rate, the way Paysend's public calculator does. That calculator doesn't ask how you pay or how the money arrives, so neither does this one. Check Paysend for the live price before you send.

Paysend Fee Structure:

Transfer fee: set by route, and usually taken out of the amount you send rather than added on top
Exchange rate: the rate Paysend applies decides how much your recipient gets, so compare it with the mid-market rate
Paying by credit card: your card issuer may treat the payment as a cash advance and charge its own fees

Reading a Paysend quote

• The fee: usually taken out of the amount you send, not added on top
• The exchange rate: compare it with the mid-market rate
• What your recipient gets: the number to compare across providers

A lower fee can be outweighed by a weaker exchange rate, so compare the final amount your recipient receives rather than the fee alone.

Using the Paysend Fee Calculator

Pick your send and receive countries and enter an amount to see Paysend's price for that route: the fee, the exchange rate and what your recipient gets. Amounts between the ones we priced exactly are marked as estimates, so check Paysend directly before you send.

Calculator Features:

Paysend's own quoted fee
The routes Paysend quotes
Paysend's own exchange rate
The date prices were collected

What You'll See:

• Paysend's transfer fee
• The exchange rate Paysend applies
• The amount your recipient gets
• The effective cost as a percentage

Why People Choose Paysend

Paysend has carved out a niche by being fast, simple, and built around cards. Here's where it tends to shine:

Card-to-Card Simplicity

Send to a recipient's Visa, Mastercard, or UnionPay card with just the card number. No bank details, no account sign-up for the person receiving the money.

Price Shown Up Front

Paysend shows its fee and exchange rate before you confirm, so you can see what your recipient will get before you send.

Fast Delivery

Card-to-card transfers are often instant or land within minutes, so money reaches family quickly when it's needed most.

Regulated & Secure

Authorized by the UK FCA, registered with FinCEN in the US, and partnered with Mastercard, Visa, and UnionPay, with bank-level encryption protecting every transfer.

Paysend vs Other Providers

The right choice depends on your route, your amount and how the money needs to arrive. Paysend's strength is speed and paying straight onto a card; on price, compare its quote with other providers for your route, and check the other ways they let you receive the money. Here's the trade-off at a glance:

Paysend is strong when:

• You want to pay a card directly
• Your recipient has a Visa, Mastercard or UnionPay card
• You value speed and simplicity
• You send to the same person regularly
• You want to see the fee and rate before you confirm

Consider alternatives when:

• Another quote leaves your recipient more
• The exchange rate matters most (compare it with the mid-market rate)
• You need cash pickup (try Western Union/Ria)
• Your corridor isn't well covered
• You want to compare a live quote first

A good habit: get a quote from Paysend and one from a service that says it converts at the mid-market rate, such as Wise, for the same amount and corridor, then compare the final number your recipient receives.

Tips to Save on Paysend Transfers

Smart Sending Strategies:

• Compare what your recipient gets, not just the fee
• Fund with a debit card or bank transfer, not credit
• Compare the quoted rate to the mid-market rate

Get the Most From Paysend:

• Check Paysend's quote for your exact amount
• Card-to-card is fastest for urgent transfers
• Set up a recurring transfer for regular support
• Check the Paysend Global Account for frequent senders

Pro Tip:

The exchange rate can matter as much as the fee. Before you confirm, jot down the mid-market rate from our live currency converter and compare it to Paysend's quoted rate. On a large transfer, even a small difference in the rate adds up.

Frequently Asked Questions

How much does Paysend charge to send money?

A Paysend transfer costs two things: a transfer fee, which Paysend usually takes out of the amount you send, and the exchange rate it applies. Both depend on the route. The calculator above works out Paysend's price from Paysend's own fees and exchange rate, the way Paysend's public calculator does, which doesn't ask how you pay or how the money arrives. Check Paysend for the live price before you send.

What is a Paysend card-to-card transfer?

Card-to-card is Paysend’s signature feature: you send money straight to a recipient’s Visa, Mastercard, or UnionPay card using just the 16-digit card number. No bank details are needed. Funds often arrive within minutes, which matters when sending money to family abroad.

Is Paysend cheaper than Wise or Western Union?

It depends on your route and amount. A lower fee can be outweighed by a weaker exchange rate, and the other way round, so compare the final amount your recipient receives from Paysend, Wise and Western Union for the same route and amount before you send.

How long do Paysend transfers take?

Card-to-card transfers are often instant or arrive within minutes. Transfers to a bank account or mobile wallet can take 1–3 business days depending on the destination country and local banking system.

Is Paysend safe and regulated?

Yes. Paysend is authorized by the UK Financial Conduct Authority (FCA), registered with FinCEN in the US, and partners with Mastercard, Visa, and UnionPay. It uses bank-level encryption and is used by millions of customers across 170+ countries.

Which countries can I send money to with Paysend?

Paysend supports transfers to 170+ countries in 70+ currencies, with especially strong coverage for popular remittance corridors such as India, the Philippines, Mexico, Nigeria, and across Europe.

Last Updated: Pricing collected October 13, 2026. The calculator works out Paysend's price from its own published fees and exchange rate, the way Paysend's public calculator does. Amounts between the ones we priced exactly are marked as estimates. Check Paysend for the live price before you send.