Money transfer comparison
See what sending money abroad really costs.
Fees are the small part. The exchange-rate markup is where the money goes. Enter an amount and see every route ranked by the one number that matters — what lands in the recipient's account.
Fetching today's mid-market rate…
Free: the cross-border payments cheatsheet (PDF)
The 50 busiest currency corridors, typical markups by provider, and the wording that stops banks deducting on arrival.
Popular transfer routes
Costs and best providers differ by corridor. Pick yours for route-specific guidance.
Frequently asked questions
What is the cheapest way to send money abroad?
Almost always a digital specialist rather than a bank. Banks typically take 3–5% in exchange-rate markup on top of a flat wire fee, while services like Wise or Revolut charge a visible fee close to the mid-market rate. On a $1,000 transfer that difference is usually $30–50.
Why is a 'zero fee' transfer not free?
Providers advertising no fee usually make their money in the exchange rate instead. They convert at a rate a few percent worse than the mid-market rate, so the cost is hidden inside the amount that arrives. The only honest comparison is how much the recipient receives.
What is the mid-market rate?
The midpoint between what banks buy and sell a currency for — the rate you see on Google or Reuters. No consumer provider gives it to you for free, but the good ones charge a clear fee on top instead of hiding a markup inside it.
Is it cheaper to send a larger amount at once?
Usually yes, when the provider charges a flat fee. A $20 wire fee is 4% of $500 but 0.4% of $5,000. Where the cost is a percentage markup, splitting or combining makes no difference.
Are these figures live quotes?
The exchange rate is live. Fees and markups are modelled from each provider's published pricing, so treat the totals as close estimates for comparison and confirm the final amount on the provider's checkout before sending.