International Transfer Calculator
🏠 Free ToolCompare international money transfer providers side by side. See fees, exchange rate markups, total costs, and delivery times for Wise, Revolut, PayPal, and traditional bank transfers.
| Provider | Fee | Markup | Total Cost | You Receive (USD) | Days |
|---|---|---|---|---|---|
| Revolut ✓ | €3.00 | €1.00 | €4.00 | $ 1075.68 | 1-3 |
| Wise | €4.80 | €0.00 | €4.80 | $ 1074.82 | 1-2 |
| PayPal | €5.00 | €30.00 | €35.00 | $ 1042.36 | 1-3 |
| Bank Transfer | €25.00 | €25.00 | €50.00 | $ 1026.67 | 3-5 |
How it Works
The international transfer calculator helps you find the cheapest way to send money abroad by comparing four common transfer methods: Wise, Revolut, PayPal, and traditional bank transfers.
Each provider is evaluated on three cost components: the explicit transaction fee, the exchange rate markup (hidden cost), and the total combined cost. The comparison table ranks providers from cheapest to most expensive, making it easy to see how much you can save.
Banks often advertise low or zero fees but compensate with a significant exchange rate markup of 2-3%. This hidden cost can far exceed the explicit fees charged by specialized transfer services. The calculator makes this transparent.
Delivery times are also compared, as speed can be important for urgent transfers. The potential savings figure shows how much you could save by choosing the cheapest provider over the most expensive one for your specific amount.
Frequently Asked Questions
How are transfer fees calculated?
Each provider has a different fee structure. Some charge a fixed fee, others a percentage of the amount, and most also add a markup to the exchange rate. The total cost is the sum of the explicit fee and the hidden cost from the exchange rate markup.
What is an exchange rate markup?
An exchange rate markup is the difference between the mid-market rate and the rate the provider actually gives you. A 2% markup on a 1,000 EUR transfer costs you 20 EUR in hidden fees, even if the provider advertises 'zero fees'.
Which provider is cheapest for international transfers?
For most amounts, fintech services like Wise and Revolut are significantly cheaper than traditional banks or PayPal, primarily because they use exchange rates closer to the mid-market rate with minimal markup.
How long do international transfers take?
Online services like Wise typically deliver in 1-2 business days. Revolut and PayPal take 1-3 days. Traditional bank transfers (SWIFT) usually take 3-5 business days and may involve correspondent bank fees.
Are these fee estimates exact?
These are approximate estimates based on typical fee structures. Actual fees may vary based on payment method, currencies, transfer corridor, and current promotions. Always check the provider's website for the exact quote before sending.
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