Payment apps
Wise Fee Calculator
See what a Wise transfer really costs and what actually arrives — at the mid-market rate.
$59.64
Wise converts at the real mid-market rate (no hidden spread) and charges a small fixed fee plus ~0.33–2% depending on the corridor and funding method — common routes like USD→EUR sit near 0.38% + $1.70. Bank/ACH funding is cheapest. Fees checked Aug 14, 2026 against the official Wise fee schedule. Last fee change Aug 14, 2026.
How Wise fees work
Wise's difference from PayPal or a bank is the exchange rate: it uses the mid-market rate you see on Google, with no markup, and charges a visible fee instead — a small fixed amount (about $1.70 on USD transfers) plus a percentage that varies by corridor, from ~0.33% on major routes up to ~2% on exotic ones.
Freelancers commonly pair Wise with Upwork, Fiverr, or direct clients to receive USD, EUR, or GBP into local accounts — the receiving accounts are free, and the conversion typically costs a fraction of PayPal's 3–4% currency spread.
Example: what you keep on Wise
Here is what Wise’s fees look like at a few common sale prices, before your own product and shipping costs:
| Sale price | Wise fees | You keep |
|---|---|---|
| $25.00 | - $1.85 | $23.15 |
| $100.00 | - $2.30 | $97.70 |
| $500.00 | - $4.70 | $495.30 |
Enter your own numbers in the calculator above for an exact figure, including your item and shipping costs.
Reverse: how much should I charge to receive a target amount?
Invoicing a client? Enter what you want to actually receive after Wisefees, and we’ll tell you what to charge.
Wise takes $2.31 in fees (0.60% + $1.70), leaving you exactly $100.00.
| To receive | Charge (invoice) | Wise keeps |
|---|---|---|
| $50.00 | $52.01 | $2.01 |
| $100.00 | $102.31 | $2.31 |
| $250.00 | $253.22 | $3.22 |
| $500.00 | $504.73 | $4.73 |
| $1,000.00 | $1,007.75 | $7.75 |
| $2,000.00 | $2,013.78 | $13.78 |
Wise fees, broken down
- Conversion fee (typical corridor) — 0.60% of each sale (item plus the shipping you charge).
- Fixed transfer fee — a flat $1.70 per order.
Frequently asked questions
How much does Wise charge per transfer?+
A small fixed fee (about $1.70 for USD transfers, $1.50 for USD→USD domestic) plus a conversion percentage by corridor — USD→EUR ~0.38%, USD→GBP ~0.41%, most routes between 0.33% and 2%. The exchange rate itself is mid-market with no markup.
Is Wise cheaper than PayPal for international payments?+
Usually much cheaper for conversion: Wise charges ~0.4–1% at the mid-market rate, while PayPal's currency conversion runs 3–4% above mid-market on top of its payment fees. For receiving card payments from clients, though, PayPal/Stripe serve a different job.
Does the funding method change the fee?+
Yes — ACH/bank funding is cheapest; debit cards add roughly 0.2–0.5%; credit cards can push the total above 2%.
Is using Wise halal?+
Wise charges service fees for transfers and conversion at spot rates — there is no interest-based lending in the transfer service itself. Currency exchange at spot with immediate settlement is broadly accepted; consult a scholar for your specific situation.
Compare Wise with other platforms
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Wise fees by country
This calculator uses US rates. Wise prices every market differently — here is what it charges elsewhere, each verified against its own published page.