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Free tool

Money transfer cost calculator

Check the cost of a quoted international transfer using the fee, exchange rate and fee method the provider gives you. All calculations stay in your browser.

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  1. Pick who to pay and type the amount
  2. Tap send and it is on its way
  3. It lands in their account

Use the rate and fee from the same provider quote. Rates must use the direction shown above. This is a quote-comparison calculator, not a live exchange-rate feed.

Recipient receives
€226.00
€232.00 at mid-market
Rate difference
£5.17
2.59% below mid-market
Total quote cost
£8.16
4.02% of the sender's payment
Sender pays
£202.99
Estimated annual cost
£97.95
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Compare the amount received

Enter the provider's actual fee and quoted rate. The calculator compares what the recipient receives with the mid-market-rate equivalent and keeps the sender and recipient currencies visible throughout.

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Choose how the fee is charged

If the fee is paid on top, the full transfer amount is converted and the sender pays extra. If it is deducted, the fee comes out of the amount before conversion. These methods produce different results.

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Calculation basis

The converted principal is the full amount when the fee is paid on top, or the amount minus the fee when it is deducted. The recipient amount is converted principal × provider rate. The calculator translates that recipient amount back at the mid-market rate, then compares it with what the sender paid.

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Compare the quote before you pay

Use the provider's final quote—not an advertised “from” rate—to compare what the sender pays and what the recipient receives.

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