Paysend Fee Calculator

Estimate Paysend's card-to-card international transfer fees. Paysend charges a flat fee to send money to 170+ countries — so the bigger your transfer, the less the fee costs you in percentage terms.

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Calculate Transfer Fees

Estimate your Paysend transfer cost with its flat-fee pricing

You Send

From Country

Amount to Send

$USD

Recipient Gets

To Country

Paysend Fee Structure

Fixed: $2.000

* Exchange rates are real-time from OpenExchangeRates. Actual rates may vary slightly.

Important: This calculator shows an estimate using Paysend's typical flat fee and the mid-market exchange rate. Paysend's real fee varies by destination, currency, and payment method, and it also builds a small margin into its exchange rate. For exact, live pricing, always check the Paysend app 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 it's become a favourite for families sending remittances to India, the Philippines, Mexico, Nigeria and across Europe.

What really sets Paysend apart from the likes of Wise, Remitly or Western Union is how it charges: a flat transfer fee instead of a percentage of the amount. In the US that fee is usually around $2 per transfer, whether you're sending $50 or $5,000. That single design choice flips the usual maths — percentage-based services get more expensive as the amount grows, while Paysend's cost as a share of your transfer keeps shrinking the more you send.

There is a catch worth knowing: like almost every transfer service, Paysend also earns a small margin inside the exchange rate it offers. So the headline “flat fee” isn't quite the whole story — the rate you get matters too. Our calculator estimates the up-front flat fee and converts at the mid-market rate so you can see the baseline cost, then compare it against the rate Paysend actually quotes you in the app.

Use the tool above to get a quick feel for the cost before you commit. Paysend is at its best for larger card-to-card transfers where the flat fee barely registers; for very small transfers, a service with no fixed fee may work out cheaper. Run the numbers for your own corridor and amount below.

How Paysend Fees Are Calculated

Paysend's pricing has two parts: a flat transfer fee and a margin built into the exchange rate. The flat fee is the easy part — it's a fixed amount per transfer that doesn't change with the size of your transfer. The rate margin is the part most people miss, so it pays to compare the quoted rate against the real mid-market rate.

Paysend Fee Structure:

Flat transfer fee: a fixed amount per transfer (roughly $2 from the US; about £1–£2 from the UK and €1.50–€2 from the EU)
No percentage fee: the cost doesn't scale with the amount, unlike most rivals
Exchange-rate margin: a small markup is included in the rate you're quoted
Funding matters: paying by debit card or bank transfer is usually cheaper than a credit card

Example: why the flat fee favours big transfers

Illustration only — actual fees and rates vary:

• Send $100 with a $2 flat fee → fee is 2.0% of the transfer
• Send $1,000 with the same $2 fee → fee is just 0.2%
• Send $5,000 with the same $2 fee → fee is only 0.04%

A percentage-based service charging 1% would cost $10 on that $1,000 transfer and $50 on the $5,000 one — where Paysend still charges its flat $2. The exchange-rate margin is the variable to watch on top of this.

Using the Paysend Fee Calculator

Enter your transfer amount and pick your send and receive countries to see an instant estimate. The calculator applies Paysend's typical flat fee and converts at the mid-market rate, giving you a clean baseline you can hold up against the live quote in the Paysend app. It's an estimate — use it to compare, not as the final price.

Calculator Features:

Instant flat-fee estimate
170+ destination countries
Mid-market rate baseline
Real-time results

What You'll See:

• The flat transfer fee
• The exchange rate used
• The estimated amount your recipient gets
• The effective cost as a percentage
• How the cost falls as the amount rises

Why People Choose Paysend

Paysend has carved out a niche by being fast, simple, and predictable on price. 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.

Flat, Predictable Fee

A fixed fee per transfer means no nasty surprises as the amount grows — ideal for larger or regular remittances where percentage fees add up fast.

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 Percentage-Based Services

The right choice usually comes down to how much you're sending. Paysend's flat fee is hard to beat on larger transfers, while services that charge a small percentage or focus on the tightest exchange rate can win on smaller or FX-heavy transfers. Here's the trade-off at a glance:

Paysend is strong when:

• You're sending a larger amount
• You want to pay a card directly
• You value speed and simplicity
• You send to the same person regularly
• You want a predictable, fixed fee

Consider alternatives when:

• You're sending a very small amount
• The exchange rate matters most (try Wise)
• 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 mid-market-rate service such as Wise for the same amount and corridor, then compare the final number your recipient receives. On big transfers Paysend's flat fee often pulls ahead; on small ones, the gap narrows or reverses.

Tips to Save on Paysend Transfers

Smart Sending Strategies:

• Consolidate small transfers into fewer, larger ones
• Fund with a debit card or bank transfer, not credit
• Compare the quoted rate to the mid-market rate
• Watch for new-customer or referral promotions

Get the Most From the Flat Fee:

• The bigger the transfer, the smaller the fee's share
• 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:

Because Paysend's fee is flat, the single biggest lever on cost is the exchange-rate margin — not 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, a tighter rate can save you far more than the $2 fee ever costs.

Frequently Asked Questions

How much does Paysend charge to send money?

Paysend charges a flat transfer fee rather than a percentage. In the US it is typically around $2 per transfer regardless of how much you send, plus a small margin built into the exchange rate. Because the fee is flat, Paysend is most cost-effective on larger transfers. Exact fees depend on the destination and payment method.

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 needed. Funds often arrive within minutes, which makes it popular for sending money to family abroad.

Is Paysend cheaper than Wise or Western Union?

It depends on the amount. Paysend's flat fee beats percentage-based services on larger transfers — a $5,000 transfer costs the same flat fee as a $100 one. Wise's mid-market exchange rate can win on FX-heavy transfers, while Western Union is usually the most expensive of the three. Compare both for your specific corridor.

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.