Remittance Fee Estimator

Estimate the true cost of a cross-border transfer: fixed and proportional fees plus the FX spread, and see exactly how much the recipient receives.

Amount (source)

Exchange rate

Fixed fee

Proportional fee (%)

FX spread (%)

Default fees and spread are illustrative samples updated 2026-10. Real charges vary by bank, corridor, amount and settlement method — confirm with your bank or service provider.

Amount received · 6,880.82

Fees26.00

Spread loss35.50

Amount received6,880.82

Total cost245.18

Received / sent96.9%

Estimates for reference only; not financial or investment advice.

Cost breakdown of your transfer

What is it

The advertised exchange rate is rarely the rate you get. A transfer quietly pays three bills: a fixed fee, a proportional fee, and the spread between the quoted rate and the real rate. Only the recipient amount tells the truth.

Notes & fun facts

“Free transfer” ads usually hide the spread. Sending 1,000 at a 1% worse rate silently costs 10 — before any fee. Comparing “amount received”, not the headline rate, is the only fair comparison.

Origin & history

SWIFT transfers (1973+) standardized cross-border wires; banks traditionally charged fixed plus telegraphic fees. Since the 2010s, fintechs compete on the spread, which is why the received amount varies so much.