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.

Visit Official Wise Website

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

Delivery options

Bank deposit

Ways the recipient can be paid in United Kingdom. The fee shown is for the typical option.

Wise Fee Structure

Fee: $0.43Typical fee: 0.41%Estimate · verified 2026-06

* 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 $4-5 total. Yeah, you read that right. 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—no guessing, 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—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 uses a transparent two-part fee structure that's significantly cheaper than traditional banks. For most currency pairs, you'll pay a small fixed fee (typically between $0.43 and $7) plus a percentage fee (usually 0.35% to 2.85% depending on the currency pair and payment method).

Wise Fee Structure:

Fixed Fee: Small upfront cost (usually $0.43-$7)
Percentage Fee: Typically 0.35%-2.85% of transfer amount
Real Exchange Rate: Mid-market rate with no markup
No Hidden Fees: What you see is what you pay

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:

• Transfer Fee: $0.43 (fixed)
• Percentage Fee: $4.10 (0.41% of $1,000)
• Total Fees: $4.53
• Exchange Rate: $1 USD = £0.79 GBP (real-time mid-market)
• Amount Converted: $995.47 USD → £786.62
• Recipient Receives: ~£786.62 GBP
• Note: Banks would charge $30-60 for same transfer.

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
USD → EUR	~$5	~0.43%
USD → GBP	~$5	~0.45%
GBP → EUR	~£3-4	~0.35%
EUR → USD	~€4-5	~0.40%
USD → INR	~$7-9	~0.5-0.7%
Exotic routes (COP, NGN, etc.)	~$10-25	~1-2%

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 provides estimates using their transparent fee model of $0.43 fixed + 0.41% for most major currency pairs. 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—not 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:

• Wise fee (typically $0.43 + 0.41%)
• 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—hold 50+ currencies and convert 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 averages just 0.5-1% total cost. This difference can save hundreds of dollars on larger transfers.

Wise vs Traditional Banks:

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 a small fixed fee (typically $0.43-$7) plus a percentage fee (usually 0.35-2.85%) depending on the currency pair and transfer method. This is significantly cheaper than traditional banks which can charge 3-6% through poor exchange rates.

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, typically from about 0.33% on major pairs (like USD to EUR or GBP to EUR) up to 2% or more on exotic currencies. On most transfers you pay this percentage plus a small fixed fee of roughly $0.50 to $5, and 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 standard fixed fee plus the conversion percentage. 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: June 9, 2026 | Wise uses the real mid-market rate with no markup; you pay a small fixed fee + a ~0.33–2% conversion fee. Receiving is free by local/ACH (USD wire ~$6.11). Verify the live quote.