Wise Fee Calculator 2026 — Real Mid-Market FX Fee Estimate
Estimate Wise's FX markup against a traditional bank's hidden exchange-rate markup, and see roughly how much of your transfer actually arrives on the other end.
Estimated 0.43% markup over the mid-market exchange rate for a typical major-currency corridor (e.g. USD→GBP or USD→EUR) sending via bank transfer. Wise's real fee is dynamic — it varies by currency pair, amount, funding method (card payments cost more), and changes over time. Always confirm the exact quote at wise.com/pricing before sending.
Fee breakdown
Fee structure
How Wise fees are calculated
TYPICAL FX MARKUP
≈0.41–0.43% over the mid-market rate for major currency corridors via bank transfer — this calculator estimates 0.43%.
VS. TRADITIONAL BANKS
Banks often hide a 3–5%+ markup behind a 'free' transfer. Wise shows its markup up front, usually far lower.
FUNDING METHOD MATTERS
Paying by card typically costs more than a bank-transfer-funded transfer — check the exact quote before sending.
DYNAMIC PRICING
Wise's real fee varies by currency pair, amount, and route — always confirm the live quote at wise.com/pricing.
FAQ
Wise questions answered
How much does Wise charge for international transfers?
It varies by currency corridor, amount, and funding method, but a typical major-currency bank transfer runs roughly 0.41–0.43% over the mid-market exchange rate.
Is Wise cheaper than a traditional bank transfer?
Usually. Traditional banks often mark up the exchange rate 3–5% or more while calling the transfer itself 'free.' Wise discloses its markup transparently, and for major currencies it's typically much lower.
Does the fee change if I pay by card instead of bank transfer?
Yes — card-funded transfers generally cost more than bank-transfer-funded ones. Always check the live quote at wise.com/pricing for your specific currency pair and funding method.
How much will actually arrive on the other end?
Enter your transfer amount above to see an estimate net of the ~0.43% modeled markup. For your exact route, the live Wise quote is authoritative — this calculator is an estimate for comparison purposes.
Reverse math mode
Know what you want to take home? Work backwards.
Instead of "what do I keep from this amount?", answer "what do I need to charge to net a specific amount, after Wise's fees?" The pricing calculator solves it instantly, pre-loaded with Wise's exact rate.
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Pair the Wise calculator with these.
Why Wise's fee is an estimate, not a fixed number
Unlike a flat-percentage platform fee, Wise's actual cost is dynamic — it depends on which two currencies you're converting between, how much you're sending, whether you're funding the transfer from a bank account or a card, and pricing changes Wise makes over time. This calculator uses ≈0.43%, a reasonable estimate for a bank-transfer-funded transfer between major currencies (like USD and GBP or EUR), but your exact route may be higher or lower.
Why it usually still beats a traditional bank
Traditional banks frequently advertise "free" or "$0 fee" international transfers while quietly marking up the exchange rate itself by 3–5% or more — a cost that's easy to miss because no separate line item shows it. Wise publishes its markup and typically keeps it far below that for major currency pairs, which is why the two can look deceptively similar on the surface but differ substantially in practice.
Before you send
Always confirm the live quote at wise.com/pricing before sending — this tool is for quick comparison and budgeting, not a substitute for the real-time rate. If you're weighing which payment processor to receive the original payment through before converting, PayPal and Stripe both have their own dedicated calculators.