Fixed fee
Banks charge a flat outgoing-wire fee of roughly $25–$45, plus possible intermediary and beneficiary bank fees.
Bank Wire (SWIFT) calculator
Bank Wire (SWIFT) fees calculator
A classic SWIFT bank wire remains useful for large, formal payments — but fixed fees and a fat rate markup make it the most expensive option for most people.
Send money with Bank Wire (SWIFT) — compare against 14 services
Live mid-market ratesEnter the details below and tick the services you want — the ranking refreshes on its own.
About the figures: exchange rates are mid-market rates pulled from free public APIs and refreshed about every 30 minutes. Fees and margins come from each provider's published pricing and are comparison estimates — always confirm the live price with the provider before you send.
Fee breakdown
How Bank Wire (SWIFT) charges you
Every Bank Wire (SWIFT) transfer has four cost components. Here is exactly what each one means.
Percentage fee
Credit-card cash advances add a percentage surcharge of around 2.5%.
Exchange rate offered
Your bank converts at a retail rate it sets itself, usually refreshed once a day.
Markup vs mid-market
Expect 2.5%–3.5% above mid-market, and note that intermediary banks may deduct $15–$25 on arrival.
Why people choose Bank Wire (SWIFT)
- Bank-grade security
- No third-party account needed
- Good for large sums
What to watch out for
- Highest fixed fee
- Hidden intermediary deductions
- Slowest delivery
FAQ
Bank Wire (SWIFT) fees — common questions
How much does Bank Wire (SWIFT) charge to send money?
Bank Wire (SWIFT) charges a fixed fee of 25 plus 0% of the amount on bank-funded transfers (figures from our editable fee config). Debit and credit-card funding are priced in the calculator above.
Does Bank Wire (SWIFT) add an exchange-rate markup?
Yes. Bank Wire (SWIFT) applies a markup of 2.5% on bank transfers, 3% on debit cards and 3.5% on credit cards over the mid-market rate. The calculator shows both the offered rate and the difference from mid-market in your send currency.
How long do Bank Wire (SWIFT) transfers take?
2–5 business days (plus intermediaries). Delivery also depends on the destination country, the payout method and when you start the transfer.
What payment methods can I use with Bank Wire (SWIFT)?
The calculator compares bank transfer, debit card and credit card funding. Card payments almost always cost more, which is why the ranking can change when you switch methods.
How is the total cost of a transfer calculated?
Total cost combines two things: the fees charged by the provider (fixed fee + percentage fee) and the exchange-rate markup over the mid-market rate. The calculator adds both and expresses the result in the send currency, then shows exactly how much the recipient receives.
What is the mid-market rate?
The mid-market rate (also called the interbank rate) is the midpoint between the buy and sell prices of two currencies on the global market. It is the rate you see on Google or Reuters before any bank or provider adds a margin.
Compare Bank Wire (SWIFT) with other providers
See how Bank Wire (SWIFT) stacks up against Wise, Revolut, Western Union and the rest — or open another calculator below.
Wise fees calculator
True mid-market rate with one transparent, upfront fee.
Open calculator →Remitly fees calculator
Fixed transfer fees with express delivery in minutes.
Open calculator →Western Union fees calculator
Huge global agent network for cash pickup and delivery.
Open calculator →MoneyGram fees calculator
Competitive cash pickup with frequent online fee discounts.
Open calculator →OFX fees calculator
No transfer fees — costs are baked into a tight exchange margin.
Open calculator →Revolut fees calculator
App-based transfers at interbank rates on weekdays.
Open calculator →