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.
Rates above are a saved ECB snapshot; the live quote is the provider's job. Two specialists worth comparing:
Moving a relocation lump sum at the mid-market rate with a transparent flat fee. OFX: Larger transfers where a dedicated dealer and rate-lock matter.
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, and we may earn a commission at no extra cost to you. Full disclaimer.