Sendwave Fee Calculator

See the real cost of a Sendwave transfer from the US, Europe, the UK or Canada: the fee plus the exchange-rate markup.

Calculate Transfer Fees

Calculate your Sendwave transfer cost, measured from Sendwave’s own quotes

You Send

From Country

Amount to Send

$USD

Recipient Gets

To Country

Enter an amount to see the estimate

Sendwave Fee Structure

Fee: depends on the amount and the method

* Sendwave'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

The fee is not the whole cost. On Sendwave's own quotes, a small fixed fee applies on most routes and a markup is built into the exchange rate. This calculator prices the standing rate, so you see what you'll really pay send after send.

Sendwave was built for one job and does it very well: getting money from someone in the US, UK or Europe onto a phone in Nairobi, Manila or Dhaka in a matter of minutes. No paper forms, no branch visit. You tap a few times and the cash lands in a mobile wallet like M-Pesa or GCash. That mobile-first, remittance-corridor focus is what set it apart, and it's now part of Zepz, the same group behind WorldRemit.

For years its pitch was blunt: zero fees. But like every provider, Sendwave has to make money somewhere, and on the quotes we collect it earns the normal way: a small fixed fee on most routes and a margin baked into the exchange rate. The table below shows both, route by route.

Use the calculator above to see the real, ongoing cost for your country and amount: the fee, the rate markup, and exactly how much your recipient receives.

What Sendwave Actually Costs From the US

A transfer service charges you two ways: a fee you can see and a markuptucked into the exchange rate. Here's what Sendwave's own pricing API quotes on US-origin transfers, route by route, at the standing price:

Route	Fee at $1,000, by method	Rate markup
US → India	$5	~0.02%
US → Philippines	$0.49 – $2.99	~1.24%
US → Mexico	$1.99 – $3.99	~0.54% – 0.94%
US → Kenya	$0.49	~1.23% – 1.27%
US → Vietnam	$0.99	~0.57% – 1.16%
US → Bangladesh	$5.99	~0.18%

The pattern: the fee and the markup both vary by route, so add them together. The margin climbs on thinner currencies. The number that lets you compare fairly is total cost as a percentage of what you send, exactly what the calculator shows.

Speed and How the Money Arrives

Sendwave's edge is mobile money. Instead of a bank wire that takes days, it pushes funds straight to a wallet your recipient already uses on their phone, usually in minutes.

Mobile wallet

GCash, M-Pesa, Airtel, Orange Money, bKash. Usually instant to a few minutes, which is the core Sendwave experience.

Cash pickup

Collect in person at partner agents in many countries, handy when the recipient has no wallet or bank.

Bank deposit

Straight to a bank account on some routes (e.g. Mexico, Vietnam). Slightly slower than a wallet, still typically same-day.

Where You Can Send From and To

You send FROM

The US (USD) and Canada (CAD)
The UK (GBP) and the Eurozone (EUR)
We measured 140+ live routes across these four. Pick your country in the calculator.

Your recipient gets money in

Africa: Nigeria, Ghana, Kenya, Uganda, Senegal, Cameroon, Egypt, Morocco, South Africa and more
Asia: India, Pakistan, Philippines, Bangladesh, Nepal, Vietnam, Indonesia
Latin America: Mexico, Guatemala, Colombia, Dominican Republic, Haiti, Peru, Brazil and more
Coverage shifts over time, so confirm your exact country and payout method in the app before you send.

Is Sendwave Legit?

Yes. Sendwave is part of Zepz, the fintech group that also owns WorldRemit, and it operates in the United States as a licensed money transmitter registered as a money services business. It has moved money for millions of customers, built specifically around African and Asian remittance corridors, and its mobile-wallet payouts are a big reason it's trusted in those communities.

"Regulated and trustworthy" and "the right price for your route" are still two different questions, though. Sendwave is reputable; what it costs for your specific transfer is what the numbers above are for.

Using This Calculator

Enter the amount you want to send in US dollars.
Pick the country your recipient is in.
Read the fee, the exchange-rate markup, and the total cost as a percentage.
Check what your recipient actually receives. That is the only figure that really matters.

What the numbers mean

Fee: the flat charge you see up front.
Markup: how far Sendwave's rate sits below the real mid-market rate.
Total cost %: fee + markup combined. Use this to compare providers.

Figures come from Sendwave's own quotes, collected on the date shown below, and can move with the market, so always confirm the final amount in the Sendwave app before you send. Compare Sendwave against every other service →

Sendwave Fees: FAQ

Does Sendwave really have no fees?

Not on most routes: on Sendwave's own quotes, a small fixed fee applies on most of them, plus a markup in the exchange rate, and both depend on the country and how the money is paid out. The calculator above prices that standing rate, so it shows what you will actually pay over time.

How much does Sendwave charge from the US?

It depends on the country and how the money is paid out: a small fixed fee on most routes, plus a markup in the exchange rate. The table on this page shows Sendwave's own quotes to India, the Philippines, Mexico, Kenya, Vietnam and Bangladesh, by payout method, and the calculator above prices your exact amount and route.

What countries can I send to with Sendwave?

Sendwave sends from the US (USD), Canada (CAD), the UK (GBP) and the Eurozone (EUR). We measured 140+ live routes across those four, into Africa (Nigeria, Ghana, Kenya, Uganda, Senegal, Cameroon, Egypt, Morocco, South Africa…), Asia (India, Pakistan, Philippines, Bangladesh, Nepal, Vietnam, Indonesia) and Latin America (Mexico, Guatemala, Colombia, Dominican Republic, Haiti, Peru, Brazil…). Coverage shifts over time, so confirm your exact country in the app.

How does Sendwave pay out?

Its specialty is mobile wallets: GCash (Philippines), M-Pesa (Kenya), Airtel Money (Uganda), Orange Money (Senegal), bKash (Bangladesh). Many corridors also offer cash pickup and bank deposit, and delivery to a wallet is usually within minutes.

Is Sendwave legit and safe?

Yes. Sendwave is part of Zepz, the group that also owns WorldRemit, and it operates in the US as a licensed money transmitter (a registered money services business). It has moved money for millions of customers, mostly across African and Asian remittance corridors. As always, "safe" and "what it costs on your route" are separate questions. The calculator answers the second.

Is Sendwave cheaper than Remitly or WorldRemit?

It depends on the route, the amount and how the money is paid out. Sendwave is built around instant mobile-wallet delivery, especially to East Africa and the Philippines; Remitly and WorldRemit (Sendwave’s sibling) also offer bank deposit and cash pickup on many routes. The only way to know for your amount and country is to compare. This calculator shows Sendwave, and our money transfer page ranks it against everyone else.

Does the calculator include first-transfer offers?

No. Introductory offers for a first transfer are not included: the calculator prices from Sendwave's own collected quotes at the standing price, so it shows what a transfer costs send after send.

Last Updated: Pricing collected October 20, 2026. Figures on this page are Sendwave’s own quotes on the routes we track, collected on the date above; they are not a quote for your transfer. Cost varies by corridor, amount, delivery and payment method, so confirm the live quote before you send.