Wise Transfer Fee Calculator
Wise uses mid-market exchange rates and a transparent transfer fee that varies by corridor and amount. On a $1,000 USD→GBP estimate at 0.43% + $0.50 the fee is about $4.80. Always generate a live quote in Wise before you send money — these figures are planning estimates only.
Not financial advice. These calculators use published fee schedules with last-verified dates. Providers change rates and apply custom pricing — confirm on the official provider site before setting prices or filing taxes. This site is not affiliated with Stripe, PayPal, Square, Venmo, Cash App, Zelle, Patreon, Ko-fi, Buy Me a Coffee, Gumroad, Shopify, or Wise.
Wise mid-market FX transfer fee estimates (variable by corridor).
Key takeaways
- Default schedule (USD → GBP (estimate, unverified)): 0.43% + 0.50 USD
- On $100.00 charged: fee $0.93, net $99.07
- To receive $100.00: charge about $100.93
How to use this Wise fee calculator
- Pick a corridor estimate (USD/GBP/EUR/AUD pairs).
- Enter send amount or desired receive amount.
- Treat results as planning estimates, not guaranteed quotes.
How it’s calculated
Estimated fee = amount × variablePercent + fixed. Reverse send ≈ (receive + fixed) ÷ (1 − percent) when modeling fee-on-send.
Worked check on the default schedule: charge $100.00 → fee $0.93 → net $99.07. Reverse: to keep $100.00, charge about $100.93.
Worked example: send $1,000 USD→GBP estimate
At 0.43% + $0.50: fee ≈ $4.80; amount after fee estimate ≈ $995.20 before FX conversion at mid-market.
Wise fee schedules we track
| Schedule | Percent | Fixed | Currency | Last verified | Source |
|---|---|---|---|---|---|
| USD → GBP (estimate, unverified) UNVERIFIED: Wise pricing is JS-rendered. Approximate low-variable fee corridor — verify in the Wise app or wise.com/pricing. | 0.43% | 0.50 USD | USD | Official page | |
| USD → EUR (estimate, unverified) UNVERIFIED — confirm live quote in Wise. | 0.41% | 0.50 USD | USD | Official page | |
| GBP → USD (estimate, unverified) UNVERIFIED — confirm live quote in Wise. | 0.37% | 0.40 GBP | GBP | Official page | |
| AUD → USD (estimate, unverified) UNVERIFIED — confirm live quote in Wise. | 0.45% | 0.70 AUD | AUD | Official page |
Each row’s source link is the official page I checked on the date shown (RealFeeCalc-style “checked on pricing page” verification).
Tips for pricing with Wise
- Fees are usually cheaper percentage-wise on larger transfers — Wise’s own UI shows the curve.
- Compare total cost (fee + FX) against PayPal currency conversion for creator payouts.
Common mistakes
- Treating static estimates as live Wise prices.
- Forgetting recipient bank quirks or local taxes outside Wise’s fee.
Wise for freelancer payouts
Wise is popular for receiving international client payments with transparent FX. Published fees are amount-dependent; our corridor estimates are starting points. Always copy the live quote from Wise for the exact send amount before you promise a client a converted total.
FAQ
How much does Wise charge?
It depends on currencies, route, and amount. Wise shows the exact fee before you confirm a transfer.
Is Wise cheaper than PayPal for international transfers?
Often for bank-to-bank FX, but run both quotes. PayPal may be simpler for goods payments with buyer protection.
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Formula
Estimated fee = amount × variablePercent + fixed. Reverse send ≈ (receive + fixed) ÷ (1 − percent) when modeling fee-on-send.
Sources
- Wise — USD → EUR (estimate, unverified) . Used for: 0.41% + 0.50 USD. Checked .
- Wise — GBP → USD (estimate, unverified) . Used for: 0.37% + 0.40 GBP. Checked .
- Wise — AUD → USD (estimate, unverified) . Used for: 0.45% + 0.70 AUD. Checked .
Estimates only; published rates change and custom pricing may differ. Not financial advice. Not affiliated with Stripe, PayPal, Square, Venmo, Cash App, Zelle, Patreon, Ko-fi, Buy Me a Coffee, Gumroad, Shopify, or Wise. Found an error? Tell me.
Calculator version 1.0 · fee data 2026.11.07 · Fee changelog