A free tool for your next overseas payment

Which transfer quote
actually costs less?

A $0 transfer fee can hide a cost in the exchange rate. Bring two real quotes from your bank or a transfer service. Compare what leaves your account with what reaches the recipient.

Disclosure: We are a Wise affiliate. The Wise link below is paid. The calculation uses only your numbers and can favour either provider. No signup is needed to use this tool.

What must be the same?

Currency you pay

Currency they receive

Use the same three-letter currency codes for both quotes, for example USD → EUR. Do not compare different currency pairs.

Quote A

Provider or bank name

Total you pay, including sending fees

Amount the recipient will receive

Quote B

Provider or bank name

Total you pay, including sending fees

Amount the recipient will receive

I used the same currencies, funding method and delivery requirements, with quotes obtained close together. Sending fees are included and any receiving fees I know about are deducted.

Unknown bank or intermediary deductions? The comparison is provisional. Ask each provider whether the displayed recipient amount is guaranteed. Do not enter bank details, names of recipients or account numbers.

Enable JavaScript to calculate, or compare manually: for an identical total payment, choose the larger confirmed recipient amount; for an identical recipient amount, compare the smaller total payment.

Need a second quote?

Check your bank first, then another provider available for your business, country and currency. Compare the full quote, not just the advertised fee.

Check Wise's current quote · paid link Wise US business pricing · source

We may earn a commission if an eligible new customer follows the paid link and completes a qualifying transaction. Opening an account alone does not guarantee a commission. Wise is not always the cheapest option, and availability and fees vary.

Before you pay

Check the route. Both quotes must cover the same sending and receiving countries, business use, currencies, amount and payment method.
Check the total. Include any sending fee paid separately. Account setup charges and subscriptions are separate costs if you need them for this transfer.
Check what arrives. Confirm recipient and intermediary bank deductions, arrival time and quote expiry. Faster service may have a different cost.
Requote when it matters. Rates change. A result today is not a recommendation for every future payment.

How the comparison works

For the same amount paid, we subtract the two recipient amounts. For the same recipient amount, we subtract the two total payments. If neither basis matches, we show the entered effective rates but do not estimate a saving by scaling one quote.

Amounts stay in this page and are not sent to us or saved by this tool. Page requests may be counted by our host; following a paid link is handled by Wise and its affiliate network. Privacy details.

Why a $0 wire fee is not the whole price · Wise, Payoneer and card payments: the differences