The same transfer can cost a few percent more through a traditional bank than through a digital bank. Enter an amount and a currency pair to see which channel delivers the most.
Cross-border FX cost has two parts: the exchange-rate markup (banks add 2–4% on top of the mid-market rate, while digital banks like Wise or Revolut add roughly 0.3–1%), and fixed fees (wire transfers often charge tens of dollars plus possible intermediary-bank fees). Combined, a $10,000 wire can deliver over $100 less than a digital bank. This calculator splits both out so you can see the gap.
Rates are estimates, not live quotes; fee defaults reflect common published tiers and you can replace them with your bank's actual numbers. Use it to compare cost differences across channels, not for exact quotes.
Digital banks convert at the mid-market rate with a small markup, while traditional wire transfers add 2–4% plus a fixed fee and possible intermediary charges. E-wallets usually sit in between.
This tool charges the fixed fee in the source currency — deduct it first, then convert. That matches how most banks bill wire transfers.
It depends on the amount, currency pair and region. Multi-currency digital banks (Wise, Revolut, etc.) generally win on major pairs; small amounts may suit e-wallets. Filter by currency in Compare.