Fixed fee
A small fixed fee (around $0.43 on a USD transfer) covers the local leg of the payment and is shown before you confirm.
Wise calculator
Wise fees calculator
Wise (formerly TransferWise) is the benchmark for transparent pricing: it converts at the mid-market rate and shows one combined fee before you send.
Send money with Wise — 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 Wise charges you
Every Wise transfer has four cost components. Here is exactly what each one means.
Percentage fee
The percentage component scales with the amount — about 0.58% for bank funding and roughly 1.9%–2.9% when you pay by card.
Exchange rate offered
Wise uses the real mid-market rate you see on Google or Reuters — the same rate the banks trade at.
Markup vs mid-market
No hidden exchange-rate markup is added. The only cost is the fee you see up front.
Why people choose Wise
- No exchange-rate markup
- Fees shown up front
- Multi-currency account
What to watch out for
- Card fees are higher
- Some corridors need extra verification
FAQ
Wise fees — common questions
How much does Wise charge to send money?
Wise charges a fixed fee of 0.43 plus 0.58% 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 Wise add an exchange-rate markup?
Yes. Wise applies a markup of 0% on bank transfers, 0% on debit cards and 0% 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 Wise transfers take?
1–2 business days (often same day). Delivery also depends on the destination country, the payout method and when you start the transfer.
What payment methods can I use with Wise?
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 Wise with other providers
See how Wise stacks up against Wise, Revolut, Western Union and the rest — or open another calculator below.
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