What does an international transfer really cost?
The visible fee is rarely the real cost — banks bury a 1–3% markup inside the exchange rate. Enter an amount to see the gap between the true mid-market rate and what you'd actually receive.
Moving a relocation lump sum at the mid-market rate with a transparent flat fee.
Get a live quote from Wise →How this is calculated
The mid-market rate is the real ECB reference rate. The "typical bank" and "specialist" rows use illustrative assumptions (a typical bank FX spread vs. a small specialist fee) to show the structural gap — they are not quotes from any specific provider. Always confirm the live rate and fee with the provider before sending. Rates shown are a saved snapshot, not live.
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<iframe src="https://expatmoneyhub.com/embed/transfer-cost/" width="100%" height="540" style="border:1px solid #e5e5e5;border-radius:12px;max-width:480px" title="Transfer cost comparison by Expat Money Hub"></iframe>Informational only — not financial, tax, or legal advice. Cross-border tax is fact-specific; confirm with a qualified cross-border CPA or adviser before acting. Some links are affiliate links — we may earn a commission at no extra cost to you. Full disclaimer.