How Much Should I Send to Receive $100 After Wise Fees?
Wise deducts its transfer fee before delivering funds. To ensure the recipient gets approximately $100, you need to send more upfront.
Using Wise USD to EUR — 0.57% + $1.70 (estimate)
Estimated Wise fee: ~$2.28
Formula: (100 + 1.70) / (1 − 0.0057) = 101.70 / 0.9943 ≈ $102.28
Estimated $100 Send Amount by Wise Corridor
The estimated send amount depends on the transfer corridor (destination currency). Figures are approximate — actual Wise fees may vary.
| Corridor | Approximate Rate | Estimated Send Amount | Estimated Fee |
|---|---|---|---|
| USD to EUR Default | 0.57% + $1.70 | ~$102.28 | ~$2.28 |
| USD to GBP | 0.41% + $1.70 | ~$102.12 | ~$2.12 |
| USD to INR | 0.66% + $1.70 | ~$102.38 | ~$2.38 |
| USD Domestic | 0% + $1.50 | ~$101.50 | ~$1.50 |
Data source: Wise US transfer fees (ACH bank debit). Last verified: April 2026 . Fees are approximate and may vary by payment method and amount.
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What to Charge — Example Amounts
| I Want to Receive | Wise US | Stripe US | PayPal US | Stripe UK | PayPal UK | Wise UK | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Charge | Fee | Charge | Fee | Charge | Fee | Charge | Fee | Charge | Fee | Charge | Fee | |
| 50.00 | $52.00 | $2.00 | $51.80 | $1.80 | $52.05 | $2.05 | £50.96 | £0.96 | £51.80 | £1.80 | £50.43 | £0.43 |
| 100.00 | $102.28 | $2.28 | $103.30 | $3.30 | $103.59 | $3.59 | £101.73 | £1.73 | £103.30 | £3.30 | £100.64 | £0.64 |
| 250.00 | $253.14 | $3.14 | $257.78 | $7.78 | $258.21 | $8.21 | £254.01 | £4.01 | £257.78 | £7.78 | £251.29 | £1.29 |
| 500.00 | $504.58 | $4.58 | $515.24 | $15.24 | $515.92 | $15.92 | £507.82 | £7.82 | £515.24 | £15.24 | £502.37 | £2.37 |
| 1,000.00 | $1,007.44 | $7.44 | $1,030.18 | $30.18 | $1,031.33 | $31.33 | £1,015.43 | £15.43 | £1,030.18 | £30.18 | £1,004.53 | £4.53 |
Amounts shown in each processor's native currency. Using each processor's default rate type: Wise US — USD → EUR; Stripe US — Domestic Card; PayPal US — Standard Card; Stripe UK — UK Domestic Card; PayPal UK — Standard Domestic; Wise UK — GBP → EUR.
How the Wise Reverse Estimate Works
When you send money through Wise, the service deducts a transfer fee before converting and delivering funds to the recipient. For a USD-to-EUR transfer, Wise charges approximately 0.57% of the send amount plus a $1.70 fixed fee. If you send exactly $100, the recipient gets roughly $97.72 equivalent — a $2.28 shortfall.
To ensure the recipient gets the equivalent of $100, use the reverse formula: send amount = (desired + fixed fee) / (1 − percent fee). For USD-to-EUR: (100 + 1.70) / (1 − 0.0057) = 101.70 / 0.9943 = approximately $102.28. Wise then deducts about $2.28, delivering the equivalent of $100.
Wise offers different fee structures depending on the transfer corridor. USD-to-GBP has the lowest international rate at 0.41% + $1.70. USD-to-INR is slightly higher at 0.66% + $1.70. Domestic USD transfers have no percentage fee — just a flat $1.50. Knowing the corridor helps you estimate the send amount more accurately.
Unlike PayPal and Stripe, which are payment processors with fixed published rates, Wise fees can vary based on the funding method, transfer amount, and real-time pricing. The figures on this page use ACH bank debit rates — the cheapest standard method. Card-funded transfers will cost more. Always verify the final fee on Wise before sending.
The Reverse Formula Explained
The reverse formula addresses a circular dependency: Wise's percentage fee is applied to your send amount, not to the desired net. If you simply add 0.57% to $100 and send $100.57, Wise's fee on $100.57 is $100.57 × 0.0057 + $1.70 = $2.27, leaving the recipient with $98.30 — short by $1.70.
Algebraic derivation:
net = send × (1 − p) − f
send = (net + f) / (1 − p)
Estimated with Wise USD to EUR ($100 net):
send = (100 + 1.70) / (1 − 0.0057) = 101.70 / 0.9943 ≈ $102.28
Check: $102.28 × 0.9943 − $1.70 ≈ $100.00
Where p is the percentage
fee (0.0057 for USD to EUR) and f is the fixed fee ($1.70). These are approximate rates for ACH bank debit
— actual Wise fees may differ.
Real Examples
Freelancer receiving payment from a European client
You completed a $100 task for a client in Germany. To receive approximately $100 after Wise deducts its USD-to-EUR transfer fee, send an invoice for $102.28. If the client is in the UK instead, the fee is slightly lower — ask for $102.12. Wise fees vary by corridor, so always check the destination country before quoting.
Sending money to family abroad
You want a family member in India to receive the equivalent of $100. To cover Wise's USD-to-INR transfer fee, send $102.38. For a domestic USD transfer within the US, the fee drops to a flat $1.50, so you'd send $101.50. Wise's low fees make it far cheaper than traditional bank wires for small international transfers.
Comparing transfer corridors for a $100 payment
Wise fees depend on the destination currency. For a $100 net transfer, the cheapest international corridor is USD to GBP at $102.12, while USD to INR costs $102.38. The difference is small at $100, but it grows with larger amounts. Domestic USD transfers are the cheapest at $101.50 with no percentage fee — only a flat $1.50.
Common Mistakes When Sending via Wise
✗ Myth: Wise charges the same fee regardless of destination country
Correct: Wise fees vary by transfer corridor. Sending $100 to the UK (USD to GBP) costs $2.12 in fees, while sending to India (USD to INR) costs $2.38. The percentage component differs by corridor — 0.41% for GBP, 0.57% for EUR, 0.66% for INR — while the fixed fee ($1.70) stays the same for international transfers. Always check the specific corridor before quoting a send amount.
✗ Myth: Wise and PayPal charge similar fees for international transfers
Correct: Wise is significantly cheaper for international transfers. To receive $100 via Wise (USD to EUR), send $102.28 — a $2.28 fee. PayPal Standard Card charges $3.59 to receive the same $100 domestically, and international PayPal fees are even higher. Wise specializes in cross-border transfers with transparent, low-cost pricing that undercuts traditional payment processors.
Wise vs. PayPal: Estimated Cost to Receive $100
To receive $100 via PayPal Standard Card (2.99% + $0.49), charge $103.59. Wise (USD to EUR, 0.57% + $1.70) requires approximately $102.28 — about $1.31 less. Wise's lower percentage fee makes it cheaper for international transfers, though PayPal offers broader buyer/seller protections. For international transfers where buyer/seller protection is not needed, Wise is typically the more affordable option.
Wise USD to EUR (estimate)
~$102.28
to receive ~$100
PayPal Standard Card
$103.59
to receive $100
Estimated difference: ~$1.31 less with Wise
Compare all processors on the reverse calculator or see the full fee comparison.
Estimate for Any Amount
Frequently Asked Questions
How much should I send to receive $100 via Wise?
For a USD-to-EUR transfer, send approximately $102.28 so the recipient gets the equivalent of $100 after Wise's fee (0.57% + $1.70). For USD-to-GBP, send $102.12. For USD-to-INR, send $102.38. For a domestic USD transfer, send $101.50. These are estimates based on Wise's published fee structure — actual fees may vary slightly depending on payment method and transfer amount.
Are Wise fee estimates accurate?
The estimates on this page are based on Wise's published fee schedule for ACH bank debit, the cheapest standard funding method. Actual Wise fees can vary depending on the payment method (card-funded transfers cost more), the exact transfer amount, and real-time pricing. Always confirm the final fee on Wise's website or app before sending money.
How does Wise compare to PayPal for sending $100?
Wise is considerably cheaper for international transfers. To net $100 via Wise (USD to EUR), send approximately $102.28 — a fee of about $2.28. PayPal Standard Card charges $3.59 to receive $100 domestically, and PayPal's international fees are higher still. If your primary need is sending money internationally, Wise typically offers better rates and lower fees than PayPal.
How does the Wise reverse calculation work?
The formula is: send amount = (desired net + fixed fee) / (1 − percent fee). For USD-to-EUR and a $100 target: (100 + 1.70) / (1 − 0.0057) = 101.70 / 0.9943 = approximately $102.28. Wise then deducts its fee from the send amount, delivering the equivalent of $100 to the recipient. Note that exchange rate fluctuations can affect the final received amount in the destination currency.
Why are Wise fee estimates approximate rather than exact?
Wise fees depend on several factors that can change: the funding method (ACH is cheapest, card costs more), the exact transfer amount, promotional pricing, and real-time fee adjustments. The estimates here use ACH bank debit rates — the most common and cheapest option. For an exact quote, use Wise's own calculator at wise.com before initiating a transfer.
Compare with Other Processors
Stripe US
2.9% + $0.30 to 5.4% + $0.30
Calculate →PayPal US
2.29% + $0.09 to 3.49% + $0.49
Calculate →Wise US
0.41% + $1.70 to 0.66% + $1.70
Calculate →Stripe UK
1.5% + £0.20 to 3.25% + £0.20
Calculate →PayPal UK
1.5% + £0.10 to 4.89% + £0.30
Calculate →Wise UK
0.33% + £0.21 to 0.56% + £1.50
Calculate →Compare All Processors
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