Wise fee (source)
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Free · Instant · No signup
Wise International Transfer Fee Calculator
Wise prices each corridor with a variable percent plus a fixed fee on top of the mid-market rate. Paste those three numbers from your quote. This page does not fetch live FX.
Page updated 2026-09-14. Official source: Wise pricing (source checked 2026-09-04)
Calculator
Calculated Results
After fee (source)
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Recipient gets (target)
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Fee as % of send
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A quote worksheet, not a live FX ticker
Open wise.com, enter the corridor, copy the variable percent, the fixed fee, and the rate, then replay it here so you can audit net before you confirm.
Default 1,000 at 0.43% + 1.41 leaves 994.29 source. For a payout platform with a different fee table, try Payoneer Withdrawal Fee Calculator.
Formula
fee = send x (variable% / 100) + fixed. netSource = send - fee. receive = netSource x rate. Effective percent = fee / send x 100.
If you only care about source-currency net, set rate to 1. The receive card then equals net source.
Card funding and comparison
Paying Wise with a credit card often adds a separate card fee. Put that in the fixed field or run a second pass. Bank debit or balance is the usual cheap path.
Domestic US P2P is a different product. Zelle Transfer Limit Tracker tracks caps, not FX.
Frequently Asked Questions (FAQ)
Why do I have to paste the percent and fixed fee?
Wise does not use one US Checkout-style pair for every corridor. A USD to EUR quote and a USD to INR quote publish different variable percents and fixed fees. Fetching those live would need Wise's API. This page multiplies what you copy from the quote screen.
What is the default $1,000 example?
Fee = 1,000 x 0.43% + 1.41 = $5.71. Net source = $994.29. At 0.92 that is 914.75 in the target currency. Replace 0.43, 1.41, and 0.92 with your quote before you wire.
Is the rate a markup?
Wise advertises the mid-market rate and puts the cost in the fee line. If you paste a rate from another broker that already embeds a spread, you will double-count. Paste Wise's quoted rate and Wise's fee fields only.
Does this include SWIFT receiving bank fees?
No. A receiving bank can still clip an incoming SWIFT. Local-account delivery on Wise usually avoids that. If your quote shows extra, add it to the fixed fee input.
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