True Cost of Getting Paid — Cross-Border Fee Calculator

Enter what a client owes you and see what each route actually delivers after every fee and exchange-rate margin — ranked by what lands in your account.Disclosure: some result links are affiliate links; the ranking is computed purely from the published numbers and never adjusted.How we rate providers.

How this is calculated

Every row is amount − provider fees, converted at the mid-market rate minus that provider's published exchange-rate margin. The mid-market rate comes from a live open API (with a dated fallback if it's unreachable). Provider fees were last verified against each provider's own pricing page on15 July 2026 — full method on how we rate providers.

Wise: Balance-conversion fee for the exact pair at the mid-market rate, no FX markup. Receiving via local rails (ACH, SEPA, Faster Payments) is free; receiving USD by wire costs $6.11.
Payoneer: Receiving via local receiving accounts (Global Payment Service) is free in the account's local currency. Withdrawing to a bank account in a different currency costs a published 1.2%–4% conversion charge — we model the BEST case (1.2%); your rate may be higher. $29.95/yr inactivity fee if you receive under $6,000 in 12 months.
PayPal (invoicing): Invoicing a client abroad: 3.49% + $0.49 commercial fee plus 1.5% international surcharge, then a 3% currency-conversion spread when withdrawing in another currency (4% in some flows).
Revolut (Standard): Standard plan: exchanges at the market rate up to a 1,000/month allowance (EUR in the EEA), then a 1% fair-usage fee on the excess — we apply that tiering to this single transfer, assuming no allowance used yet. Out-of-market-hours (Fri 17:00 – Sun 18:00 ET) exchanges add 1%, not included. Receiving local transfers is free.
Typical bank (modelled): MODELLED illustration, not one bank's published price list: a 15-unit incoming international wire fee plus a 3% retail FX spread — in line with the World Bank's finding that banks are the costliest remittance channel. Check your own bank's tariff.

Deep dives on each route: ourhub on getting paid and spending across borders,Wise vs Payoneer vs Deel,Payoneer vs Wise for receiving USD andWise vs Revolut vs N26 for freelancers. The sourced market-wide numbers live on thestatistics page.

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