WISE · PAYMENTS

Wise Fee Calculator 2026 — Real Mid-Market FX Fee Estimate

Estimate Wise's transparent conversion fee against a traditional bank's hidden exchange-rate markup, and see roughly how much of your transfer actually arrives on the other end.

Verified August 3, 2026

Official rates Manually verified

How Wise fees work

Wise charges a small transfer fee plus applies the real mid-market exchange rate — no hidden markup — so the fee you see is close to the total cost of the transfer.

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WISE · STANDARD US

✓ 2026 rates ✓ Free ✓ Instant

Transfer amount How much you're sending

Other costs Any additional transfer costs

Estimated 0.43% conversion fee for a typical major-currency corridor (e.g. USD→EUR or USD→GBP) funded by bank transfer. Note that Wise does NOT mark up the exchange rate — it converts at the real mid-market rate and charges one transparent fee instead, which is the opposite of banks and PayPal (who bury a 2–5% margin in a worse rate). Wise's real fee is dynamic: it varies by currency pair, amount, and funding method (card payments cost more), and typically runs ~0.4% on the busiest major pairs up to ~2% on exotic routes. Wise also adds a small fixed fee (around $1.70 on USD routes) that this percentage-only model does not include, so expect to pay slightly more than shown on small transfers. Always confirm the exact quote at wise.com before sending.

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YOU RECEIVE —

$0.00

Enter your transfer amount to see your profit

You keep 100% Fees 0%

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Transfer amount

$0.00

Platform fees

−$0.00

Other costs

−$0.00

Net profit

$0.00

Margin —

ROI Add other costs

Want a specific margin instead? Solve for the price you need to charge →

Fee breakdown

Enter your transfer amount to get personalised insights.

Fee structure

How Wise fees are calculated

TYPICAL CONVERSION FEE

≈0.41–0.43% for major currency corridors via bank transfer — this calculator estimates 0.43%. Wise charges this as a visible fee and converts at the real mid-market rate, adding no markup to the rate itself.

VS. TRADITIONAL BANKS

Banks often hide a 3–5%+ markup inside a worse exchange rate behind a 'free' transfer. Wise charges one visible fee at the true mid-market rate instead — usually far cheaper overall.

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.

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.

Open reverse calculator

KEEP GOING

Pair the Wise calculator with these.

PAYPAL

Getting paid by an international client? Compare PayPal's cross-border fee first.

OPEN → STRIPE

See what Stripe would take on the original charge before you convert currency.

OPEN → PRICING

Reverse-solve the amount to send so a target lands after the FX markup.

OPEN →

Read before you rely on this

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.

Illustrative example

Sending $1,000 abroad — Wise vs a "free" bank transfer

These figures are illustrative — always confirm the live quote at wise.com/pricing — but the pattern below holds broadly true and explains why "$0 fee" isn't the same as "no cost":

Bank transfer, advertised as 'free'

No line-item fee, but the exchange rate itself is quietly marked up — a cost that's easy to miss because nothing labeled 'fee' ever appears.

Transfer amount $1,000

Advertised fee $0

Hidden rate markup (~4%, typical) ≈$40

Real cost ≈$40

Wise, same $1,000 transfer

A visible, itemized fee against the real mid-market exchange rate — no hidden markup.

Transfer amount $1,000

Wise fee (~0.43%, estimate) ≈$4.30

Rate markup $0

Real cost ≈$4.30

The two can look deceptively similar on the surface — one shows "$0 fee," the other shows a small explicit charge — but they differ substantially in practice once the hidden exchange-rate markup is accounted for.

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 takes the opposite approach: it converts at the real mid-market rate with no markup at all and charges one upfront fee, which for major currencies is typically well under 1%.

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 conversion fee. Note this models the percentage only — Wise also adds a small fixed fee (around $1.70 on USD routes), which matters most on small transfers. For your exact route, the live Wise quote is authoritative; this calculator is an estimate for comparison purposes.