Wise Fee Calculator

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.