TransferFees.io
Wise

Wise Fee Calculator

Calculate your Wise international transfer fees instantly. See the exchange rate and the fee Wise quotes for sending money abroad, from its own collected quotes.

Calculate Transfer Fees

Calculate your Wise transfer cost from Wise’s own quotes

You Send

$USD

Recipient Gets

Enter an amount to see the estimate
Wise Fee Structure
Fee: depends on the amount and the method

* Wise'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.

Wise, founded in 2011 as TransferWise, built its business on one complaint about banks: the real cost of an international transfer hides in the exchange rate. Wise says it converts at the mid-market rate, the one you see on Google, and puts its whole charge in a single fee shown before you send.

In dollars: Wise's own quote for $1,000 to GBP paid by wire transfer to Wise carried a $10.29 fee, and Wise says that fee is all it earns on the transfer.

Want the full breakdown before you send? Read how Wise fees work. Our guide covers the percentage + fixed fee, the mid-market rate, fees by corridor, and how to pay less.

How Wise Fees Are Calculated

Since the fee is the whole price, it is the number to watch, and it is not flat. It has a fixed part and a percentage, both set by the currency route, so it rises with the amount but more slowly; what it comes to as a share of the transfer is the figure to compare.

Rate:
Wise says it uses the mid-market rate itself
One conversion fee:
A fixed part plus a percentage, so it rises more slowly than the amount
Depends on the route:
Each currency route has its own fee; the table below shows Wise’s own quotes on a transfer of 1,000
By amount:
USD to INR costs 7.49% on $100, 1.13% on $1,000 and 0.56% on $5,000, paid by wire transfer to Wise

How you pay moves the fee as well, so the example below names the payment it was quoted for.

Example Calculation:
Sending $1,000 USD to GBP by wire transfer to Wise:
Conversion fee$10.29
Rate markupNone (at or better than mid)
Exchange Rate1 USD = 0.7468 GBP
Amount Converted$989.71
Recipient Receives£739.10
Effective cost1.03% of $1,000

Note: Wise's fee and rate markup from its own quote, collected October 30, 2026, on today's mid-market rate.

Wise Fees by Route (2026)

Wise's own quotes for 1,000 of the sending currency, paid by bank transfer (for US dollars, a wire transfer to Wise). The right-hand column is the fee as a share of the transfer, which is the figure to compare across routes.

Route
Fee on 1,000
Conversion fee
EUR → USD
€6.21
0.62%
GBP → EUR
£3.81
0.38%
GBP → USD
£4.60
0.46%
GBP → INR
£5.14
0.51%
GBP → PKR
£6.60
0.66%
GBP → PLN
£4.64
0.46%
GBP → MAD
£22.33
2.23%
USD → GBP
$10.29
1.03%
USD → INR
$11.26
1.13%

Collected October 30, 2026. ACH from a connected US bank account is priced on its own: $5.89 to GBP and $6.85 to INR on the same $1,000. Quotes move with the amount and the payment method, so confirm yours with Wise before you send.

Using the Wise Fee Calculator

Choose the two countries, the amount and how you will pay. The result shows Wise's fee, its rate beside the mid-market rate and what your recipient gets, from Wise's own quotes, dated on the result.

Try your amount, then double it. Because the fee rises more slowly than the transfer, the share you pay should fall, and the result shows by how much.

Comparing Wise with Other Options

A bank wire is priced the other way round: a fee you can see plus a markup on the rate that it doesn't publish. Our wire transfer fee calculator shows the figures we've measured, so you can set a bank's total beside Wise's fee for the same amount.

Paid as a contractor through Deel? Withdrawing your Deel balance to Wise is free on Deel’s side, and the Deel fee calculator ranks every Deel withdrawal method by its fee. Banking with Monzo? The Monzo international transfer fees calculator shows Monzo's own fee for each currency.

Wise Advantages:
Converts at the mid-market rate, by Wise’s account
The whole cost in one fee, shown before you send
Most transfers in minutes to 2 business days
An account that holds several currencies
Bank Disadvantages:
A wire fee, plus a rate markup they don’t publish
Intermediary banks can take a cut on the way
The markup is never shown as a fee

Wise has no cash pickup, so if your recipient needs cash in hand, look at a service with pickup points. For bank-to-bank transfers, set Wise's fee against what another service charges in total, its rate markup included.

Tips to Save on Wise Fees

Payment Method:
Price each way of paying before you pick one
From the US, compare ACH with a wire: Wise prices them separately
A Wise balance avoids the card network’s charge
Transfer Strategy:
Batch payments to the same person, so the fixed part of the fee is paid once
Check your route in the table: the fee as a share differs a lot between currencies
Pro Tip:

For frequent transfers, consider opening a Wise multi-currency account. It lets you hold money in different currencies and convert when you choose.

Frequently Asked Questions

01

How much does Wise charge for international transfers?

Wise charges one conversion fee per transfer. On a $1,000 transfer paid by wire transfer to Wise, Wise's own quotes were $10.29 to GBP (1.03%) and $11.26 to INR (1.13%). Paid by card instead, the same $1,000 to GBP carried $16.46 by debit card and $65.40 by credit card. The fee varies by route, and it grows more slowly than the amount, so USD to INR costs 7.49% on $100, 1.13% on $1,000 and 0.56% on $5,000.

02

Does Wise use real exchange rates?

Wise says it converts at the mid-market exchange rate (the same rate you see on Google or financial websites) and shows its whole cost as a fee rather than building it into the rate. Banks usually add a markup to the rate that they don't publish.

03

How long do Wise transfers take?

Most Wise transfers complete within minutes to 2 business days. The speed depends on the currency pair and payment method used. Transfers within the same region (like USD to CAD) are typically fastest, while more exotic currency pairs may take longer.

04

Is Wise safe and regulated?

Yes, Wise is regulated by financial authorities in multiple countries including the FCA (UK), FinCEN (US), and others. Customer money is held in segregated accounts for protection. Since 2011 it has processed over $100 billion in transfers.

05

What is the Wise conversion fee?

It is the single charge on a Wise transfer, shown before you send, and Wise says it is the whole cost, with nothing added to the rate. Each currency route has its own fee, made of a fixed part and a percentage of the amount; the calculator above works it out for yours.

06

Does Wise charge a fee to receive money?

Receiving money to your Wise account is free for most currencies when it arrives by local bank transfer or ACH - including USD, GBP, EUR, AUD and CAD. The main exceptions are wires: receiving a domestic USD wire or an incoming international (SWIFT) payment carries a receiving fee, so check Wise's pricing page for the current amount. There is no fee to receive USD by ACH direct deposit.

07

What are Wise's wire transfer and SWIFT fees?

For sending, Wise uses local payment rails (like ACH in the US or SEPA in Europe) wherever possible, so you pay the one conversion fee. SWIFT is only used for a few currencies and can add a correspondent-bank fee. On the receiving side, a domestic USD wire into your Wise account and an incoming SWIFT payment each carry a receiving fee, while local transfers and ACH are free.

08

Is it cheaper to pay Wise by bank transfer, debit, or credit card?

On a $1,000 transfer to GBP, Wise's own quotes carried a $10.29 fee paid by wire transfer to Wise, $16.46 by debit card and $65.40 by credit card (collected October 30, 2026). Paid from a connected US bank account (ACH) instead, Wise's own quotes were $5.89 to GBP and $6.85 to INR. Wise prices each way of paying separately: a card payment carries the card network's charges, which Wise passes on in its fee, while a bank payment or your Wise balance does not. The calculator above shows the fee for the way you pay.

Last Updated: Pricing collected October 30, 2026. Fees are Wise's own quotes on the date shown, and they move with the route, the amount and how you pay. Check your quote in the Wise app before you send. How we check figures

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