Wise · $0.50 + 0.50% · Mid-market rate
Wise Fee Calculator
Calculate Wise's transfer fee at the real mid-market rate with zero FX markup.
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Wise charges a $0.50 fixed fee + 0.50% of the amount. Uses the real mid-market exchange rate with zero FX markup. Fee rates are configurable via FEE_CONFIG.wise.
Wise — You keep
$994.50
of 1,000 USD received · 99.5% kept
Fee Breakdown
Transfer Fee$0.50 + 0.50%
-$5.50fee
Exchange RateMid-market rate (0% markup)
$0.00fx
Total Deducted
$5.50
Effective fee ratio0.55%
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Frequently asked questions
The mid-market rate (also called interbank rate) is the midpoint between global buy and sell prices for a currency pair. It's the rate you see on Google, Xe and Reuters. Payment providers almost never pass this rate through — they typically add a 2–4% markup on top.
Wise generally has the lowest total cost (transparent fee + true mid-market rate). PayPal is the most expensive (transaction fee + $0.49 + FX markup). Payoneer sits in the middle and varies by corridor. Use our calculators for an apples-to-apples comparison on your exact amount.
Yes. Every calculator on FlowRate is free. No signup required. We may earn a small affiliate fee from partner providers when you open an account — but our calculators show the same estimate regardless of affiliation.
Wise uses the real mid-market rate (the one you see on Google) and charges a transparent, separate fee. This makes Wise easy to compare: total cost = FX fee only. There is no hidden spread on the rate itself.
Wise is transparent about fees. The main variables are: payment method (bank transfer cheapest, card most expensive), recipient country, and amount. Always check the exact fee on the Wise calculator before committing.