Wise Fee Calculator — Calculate Wise Transfer Fees Instantly [2026]

Wise charges two components: a fixed fee (typically $0.50–$2.00 depending on the currency) plus a percentage fee (usually 0.4%–1.5% of the transfer amount). There is no exchange rate markup — Wise uses the real mid-market rate. The exact fee depends on the currency corridor (e.g., USD→EUR is cheaper than USD→PHP).

In most cases, yes. PayPal charges 3–4% above the mid-market rate as a hidden currency conversion markup, plus a transfer fee. Wise charges only 0.4–1.5% as a transparent fee with zero exchange rate markup. On a $1,000 transfer, Wise typically saves $20–$35 compared to PayPal.

Most Wise transfers are fast: 80% of transfers arrive within 24 hours. Bank-to-bank transfers within the same country or currency zone often arrive in minutes. International transfers to bank accounts typically take 1–2 business days. Express card payments (using debit/credit card) often arrive in minutes but have a slightly higher fee.

Yes. Wise is regulated by the Financial Conduct Authority (FCA) in the UK, FinCEN in the US, and equivalent regulators in 170+ countries. Customer funds are held in separate accounts from Wise's own money, protected from company insolvency. Wise serves 16+ million customers globally and processes $10+ billion in transfers monthly.

Wise limits vary by country and verification level. Personal accounts typically allow $10,000–$15,000 per transfer after identity verification. Business accounts can send much higher amounts. You can increase limits by completing enhanced verification (providing additional ID documents). Check your Wise account for your specific limits.

Yes — Wise always uses the real mid-market exchange rate, also called the "fair" or "interbank" rate. This is the rate you see on Google or XE.com. Unlike banks and PayPal, Wise does not add any markup to the exchange rate. All profit comes from the transparent transfer fee only.