Wise Fee Calculator

Calculate your Wise international transfer fees instantly. See real exchange rates and exact costs for sending money abroad with transparent, low-cost pricing.

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Calculate Transfer Fees

Calculate your Wise transfer cost with real mid-market exchange rates

You Send

From Country

Amount to Send

$USD

Recipient Gets

To Country

Enter an amount to see the estimate

Wise Fee Structure

Fee: $10.29Estimate · verified 2026-09-08

* Estimated typical cost: the live mid-market rate minus this provider's typical exchange-rate markup, plus its typical fee. Real cost varies by corridor, amount, delivery and payment method, and promotions — check the provider for a live quote.

If you've ever sent money internationally and felt like you got robbed by your bank, you're not alone. That's exactly why Wise (formerly TransferWise) exists. Since 2011, they've been calling out banks for hiding fees in garbage exchange rates, and offering a much better deal. Their whole thing? Show you the REAL mid-market rate (the same one you see on Google) and charge a small, transparent fee. No sneaky markups.

Here's what that means in dollars: where banks might charge you $30-60 on a $1,000 transfer (through fees AND a 2-3% rate markup), Wise typically charges around $10 all-in, and none of it is hidden in the rate. They make money on a small transparent fee, not by giving you a terrible exchange rate. Most transfers arrive the same day or next day, not the 3-5 business days banks love to quote.

Our Wise calculator shows you exactly what your transfer will cost before you send. Plug in any amount, choose your currencies, and see the fee breakdown plus what your recipient actually gets. It's the same transparency Wise is known for, with no guessing and no surprises.

Pro tip: The rates you see here are live mid-market rates that update in real-time. If you're sending larger amounts ($5,000+), your effective fee percentage drops even lower because of the small fixed fee. And if you send money regularly? Check out their multi-currency account, where you can hold money in 50+ currencies and convert when the rate looks good.

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 even less.

How Wise Fees Are Calculated

Wise puts its whole cost in one visible fee and adds nothing to the exchange rate, which is what makes it cheaper than a bank. That fee is not flat: it grows with the amount and it varies by route, so the figure that matters is what it works out to as a percentage of what you send.

No rate markup:

You convert at the mid-market rate, the one you see on Google

One conversion fee:

Scales with the amount and differs by currency route

Typical range:

About 0.38% to 2.14% all-in on a $1,000 transfer, depending on the route

Cheaper at size:

USD to EUR costs 3.78% on $200, 0.99% on $1,000 and 0.43% on $5,000

The exact fee depends on several factors: the currency pair you're converting, how you pay (bank transfer, debit card, credit card), and how your recipient receives the money (bank deposit, cash pickup, etc.). Popular routes like USD to EUR or GBP typically have the lowest fees.

Example Calculation:

Sending $1,000 USD to EUR:

Conversion fee$9.87

Rate markup$0.00 (none)

Exchange Rate1 USD = 0.8627 EUR

Amount Converted$990.13

Recipient Receives€854.28

Effective cost0.99% of $1,000

Note: A bank would charge $30-60 for the same transfer, most of it hidden in the rate.

Wise Fees by Route (2026)

Wise always converts at the real mid-market rate (no markup), so your entire cost is one visible fee: a small fixed amount plus a percentage that varies by currency route. Typical all-in costs on a $1,000 transfer paid by bank/ACH:

Route

Fee on $1,000

Conversion fee

GBP → EUR

£3.81

0.38%

EUR → USD

€6.21

0.62%

USD → EUR

$9.87

0.99%

USD → GBP

$10.29

1.03%

USD → INR

$11.26

1.13%

USD → COP

$21.40

2.14%

Figures are typical 2026 costs for a $1,000 transfer funded by bank/ACH and will change with the route, amount and payment method (a debit card costs a little more, a credit card the most). Because Wise adds no exchange-rate markup, this fee is your whole cost — always confirm the live quote in the calculator above.

Using the Wise Fee Calculator

This Wise calculator prices your route from the fees we measure on it, rather than from a single headline rate: the cost is one conversion fee with no rate markup, and it lands anywhere between about 0.4% and 2.1% of a $1,000 transfer depending on the currencies. As a digital-first platform with no physical branches, Wise keeps costs low while offering bank-level security. The calculator pulls live exchange rates, showing you real mid-market prices rather than inflated bank rates. Perfect for comparing Wise against traditional banks or other transfer services.

Calculator Features:

Real-time fee calculations

Support for 50+ currencies

Mid-market exchange rates

Instant results

What You'll See:

The Wise conversion fee for your exact route

Live mid-market exchange rate (no markup)

Exact amount after conversion

Comparison with bank fees (save 80%+)

Effective total cost percentage

Estimated delivery time (minutes to 2 days)

Use this before opening the Wise app or website to plan your transfer. Since Wise uses real mid-market rates without markup, you can trust the calculator's accuracy. Larger transfers (over $5,000) have even lower effective costs due to the small fixed fee. For frequent senders, consider Wise's multi-currency account, which holds 50+ currencies and converts only when rates are favorable.

Comparing Wise with Other Options

Wise consistently ranks among the cheapest options for international money transfers. Traditional banks typically charge 3-6% of your transfer amount through poor exchange rates and high fees, while Wise runs from about 0.4% on the busiest routes to a little over 2% on thin ones, and charges nothing in the rate. This difference can save hundreds of dollars on larger transfers.

Wise Advantages:

Real exchange rates (no markup)

Transparent, upfront fees

Fast transfers (minutes to 2 days)

Easy online/app interface

Multi-currency account options

Bank Disadvantages:

Exchange rate markups (2-4%)

Hidden fees in poor rates

Slow transfers (3-5 business days)

Complex paperwork requirements

High minimum transfer amounts

While Wise excels in cost and transparency, consider factors like transfer speed requirements, recipient preferences (cash pickup vs bank deposit), and available currency pairs when choosing a provider. For most standard bank-to-bank transfers, Wise offers the best value proposition.

Tips to Save on Wise Fees

Payment Method:

Use bank transfers instead of cards (lower fees)

Avoid credit cards (higher percentage fees)

Consider ACH transfers for US bank payments

Transfer Strategy:

Send larger amounts less frequently

Use multi-currency accounts for business

Time transfers during favorable exchange rates

Pro Tip:

For frequent transfers, consider opening a Wise multi-currency account. This can eliminate fees for holding money in different currencies and provides even better rates for conversions.

Frequently Asked Questions

How much does Wise charge for international transfers?

Wise charges one conversion fee and adds nothing to the exchange rate. On a $1,000 transfer we measured $9.87 to EUR (0.99%), $10.29 to GBP (1.03%) and $11.26 to INR (1.13%); thinner routes cost more, such as $21.40 to Colombian pesos (2.14%). The fee grows more slowly than the amount, so the same USD to EUR transfer costs 3.78% on $200 but 0.43% on $5,000. Banks typically take 3-6% once their rate markup is counted.

Does Wise use real exchange rates?

Yes, Wise uses the real, mid-market exchange rate - the same rate you see on Google or financial websites. They don't markup the exchange rate like traditional banks do, which often add 2-4% in hidden fees through poor rates.

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.

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, and Wise has processed over $100 billion in transfers since 2011.

What is the Wise conversion fee?

The Wise conversion fee is a small percentage charged on top of the real mid-market exchange rate - Wise does not mark up the rate itself. It varies by currency route, from about 0.38% on the busiest pairs, such as GBP to EUR, up to a little over 2% on thin ones like USD to Colombian pesos, measured on a $1,000 transfer. It is a single fee rather than a fee plus a markup, and because it grows more slowly than the amount, the percentage falls as you send more. The calculator above shows the exact figure for your route before you send.

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 costs about $6.11, and incoming international (SWIFT) payments carry a small receiving fee of roughly $4.14. There is no fee to receive USD by ACH direct deposit.

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, which keeps costs low - you just 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 costs about $6.11 and an incoming SWIFT payment about $4.14, while local transfers and ACH are free.

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

Bank transfer (ACH in the US) is the cheapest way to fund a Wise transfer. A debit card costs a little more in exchange for an instant payment, and a credit card is the most expensive because the card networks charge Wise extra and that is passed on to you. If you want the lowest possible fee, pay from your bank account or balance rather than a card.

Last Updated: Pricing collected September 8, 2026. Wise adds nothing to the exchange rate; the whole cost is one conversion fee, which we measured between 0.38% and 2.14% of a $1,000 transfer depending on the route. Receiving is free by local transfer or ACH (a USD wire costs about $6.11). Confirm the live quote before you send.