Wire Transfer Fee Calculator
Compare the full cost of an international wire — outgoing fee, intermediary charges, and FX margin — against flat-fee transfer services.
Total wire cost
$120.00
Breakdown
- Hidden FX margin
- $50.00
- Fixed fees (outgoing+intermediary+receiving)
- $70.00
- Recipient actually gets (wire)
- $1,880
- Wire all-in cost (%)
- 6
- Alternative service total cost
- $16.00
- Recipient gets (alternative)
- $1,984
- Alternative all-in cost (%)
- 0.80
- Saved per transfer
- $104.00
- Saved per year
- $416.00
Last updated:
FAQ
Why did my recipient get less than I sent?
A typical international wire passes through 1–3 banks, each allowed to deduct a fee. Your 2,000 can lose 45 at your bank, 15 at a correspondent, 10 at the receiver's bank, and another 50 to the exchange margin — 6% gone before anyone spends it.
What is an intermediary bank fee?
When two banks lack a direct relationship, a correspondent bank in the middle settles the payment for a cut — often 10–30 taken straight out of the transfer. Asking for the payment to route 'OUR' (fees paid by sender) prevents surprise deductions.
Are flat-fee services always cheaper?
Usually for mid-size transfers, but always compare the received amount, not the headline fee. On very large sums a 0.4% margin can exceed a bank's flat fees — the calculator shows both all-in percentages so you can check.
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