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Money transfer comparison

The cheapest way to send money abroad, in one number.

The fee is not the cost. Most providers hide their charge inside the exchange rate. Enter what you want to send and Fliptik ranks every route by the only figure that matters — what actually arrives.

160+ currencies Fees + markup combined No account, no tracking of your amounts
Quick amounts

Fetching today's mid-market rate…

Popular transfer routes

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USD → INRUSD → PHPUSD → MXNUSD → NGNUSD → PKRUSD → BDTUSD → VNDUSD → BRLUSD → COPUSD → EURUSD → GBPUSD → CADUSD → KESUSD → GHSUSD → NPRUSD → LKRUSD → THBUSD → IDR
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Free: the cross-border payments cheatsheet (PDF)

Typical markups by provider, the 50 busiest corridors, and the wording that stops banks deducting on arrival.

Money guides

All articles

How Much Should I Charge a US Client as a Freelancer Abroad?

A practical method for pricing US clients when you live in a lower-cost country: benchmark rates, currency risk, payment fees and the numbers to run before you quote.

Do I Pay Tax on Foreign Freelance Income?

How tax residency, source rules and double-taxation treaties usually work for freelancers earning from clients abroad — plus the records to keep from day one.

The Best Way to Get Paid Internationally as a Freelancer

Bank wires vs Wise vs Payoneer vs Deel vs PayPal: real costs, arrival times and when each option makes sense for cross-border freelance payments.

Freelance Rate Calculator by Country

Work out a defensible hourly and day rate from your target income, local costs, billable hours and the currency you invoice in.

How to Invoice a Client in Another Currency

Which currency to bill in, the exchange-rate wording to include, and how to stop FX movement from eating your margin between invoice and payment.

Other tools

Extras that come with Fliptik — useful, but the transfer comparison is the point.

Currency & unit converter Income & expense tracker Calculator Focus timer Weather

Frequently asked questions

What is the cheapest way to send money abroad?

For most routes a digital specialist beats a bank. Banks typically take 3–5% inside the exchange rate plus a flat wire fee, while services such as Wise or Revolut convert close to the mid-market rate and charge a visible fee. On a $1,000 transfer the difference is usually $30–50.

Why do 'no fee' transfers still cost money?

Because the cost moves into the exchange rate. A provider advertising zero fees converts at a rate a few percent below the mid-market rate, so the charge is hidden in the amount that arrives. Comparing the received amount is the only reliable test.

How much should an international transfer cost?

A competitive transfer costs roughly 0.4% to 1% of the amount all-in. Anything above 3% means you are paying a bank-style exchange-rate markup, and on regular transfers that adds up to hundreds a year.

Is this comparison a live quote?

The exchange rate is live. Fees and markups are modelled from each provider's published pricing, so treat the totals as accurate estimates for comparison and confirm the final figure at the provider's checkout before you send.

Do you charge anything for this?

No. The comparison is free and needs no account. Some outbound links are partner links, which never change the price you pay. Fliptik Pro ($5/mo) adds rate alerts, saved routes and the income tools.

A money tool built for freelancers paid in foreign currencies

Generic budgeting apps assume one currency and a salary. Freelancers and digital nomads live in a messier world: a client in New York pays in USD, a retainer in Berlin pays in EUR, rent is due in a third currency, and every conversion quietly shaves a few percent off the total. Fliptik is built for exactly that.

  • Log in any currency — 160+ currencies, each entry converted to your home currency at live mid-market rates.
  • Real monthly picture — income, expenses, net, savings rate and an annualised projection from your own numbers.
  • Invoices that travel — a clean PDF with your details, the client's, and a dated exchange-rate note.
  • Fee awareness — see when income sits in a currency you don't spend in, before the bank takes its cut.
  • Private by default — free-tier data is stored in your browser, not on our servers.

How freelancers use Fliptik

Every time an invoice goes out

Generate the PDF, then log it as income in one click so the month's totals stay accurate without a spreadsheet.

At the end of the month

Check net and savings rate in your home currency, then export a CSV for your accountant or bookkeeping tool.

Before quoting a new client

Convert the proposed rate into your home currency and see what it's really worth after currency movement.

When choosing how to get paid

Compare cross-border payment routes before accepting a wire that costs 4% in spread.