How Much Should I Send to Receive $1,000 After Wise Fees?
Wise deducts its transfer fee before delivering funds. To ensure the recipient gets approximately $1,000, you need to send more upfront.
Using Wise USD to EUR — 0.57% + $1.70 (estimate)
Estimated Wise fee: ~$7.44
Formula: (1000 + 1.70) / (1 − 0.0057) = 1001.70 / 0.9943 ≈ $1,007.44
Estimated $1,000 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 | ~$1007.44 | ~$7.44 |
| USD to GBP | 0.41% + $1.70 | ~$1005.82 | ~$5.82 |
| USD to INR | 0.66% + $1.70 | ~$1008.36 | ~$8.36 |
| USD Domestic | 0% + $1.50 | ~$1001.50 | ~$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 | |
| 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 |
| 2,500.00 | $2,516.04 | $16.04 | $2,574.97 | $74.97 | $2,577.56 | $77.56 | £2,538.27 | £38.27 | £2,574.97 | £74.97 | £2,511.01 | £11.01 |
| 5,000.00 | $5,030.37 | $30.37 | $5,149.64 | $149.64 | $5,154.61 | $154.61 | £5,076.35 | £76.35 | £5,149.64 | £149.64 | £5,021.80 | £21.80 |
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 $1,000 through Wise, the service deducts a transfer fee before converting and delivering funds. 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 $1,000, the recipient gets roughly $992.56 equivalent — a $7.44 shortfall.
To ensure the recipient gets the equivalent of $1,000, use the reverse formula: send amount = (desired + fixed fee) / (1 − percent fee). For USD-to-EUR: (1000 + 1.70) / (1 − 0.0057) = 1001.70 / 0.9943 = approximately $1,007.44. Wise then deducts about $7.44, delivering the equivalent of $1,000.
At $1,000, the percentage fee dominates the cost — the $1.70 fixed fee is only 0.17% of the transfer. This means corridor choice matters: USD-to-GBP (0.41%) costs $5.82, while USD-to-INR (0.66%) costs $8.36. The $2.54 difference is significant for recurring transfers.
These estimates use ACH bank debit rates — the cheapest standard funding method for Wise. Card-funded transfers cost more. Wise also adjusts fees in real time, so the actual amount may differ slightly. Always verify the final fee on Wise's website before sending a large transfer.
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 $1,000 and send $1,005.70, Wise's fee on $1,005.70 is $1,005.70 × 0.0057 + $1.70 = $7.43, leaving the recipient with $998.27 — short by $1.73.
Algebraic derivation:
net = send × (1 − p) − f
send = (net + f) / (1 − p)
Estimated with Wise USD to EUR ($1,000 net):
send = (1000 + 1.70) / (1 − 0.0057) = 1001.70 / 0.9943 ≈ $1,007.44
Check: $1,007.44 × 0.9943 − $1.70 ≈ $1,000.00
Where p is the percentage
fee (0.0057 for USD to EUR) and f is the fixed fee ($1.70). At $1,000, the percentage component dominates
— the fixed fee is only 0.17% of the transfer. These are approximate rates
for ACH bank debit.
Real Examples
Paying a remote contractor's monthly invoice
You owe a developer in Europe $1,000 for a month of work. To cover the Wise transfer fee and deliver the full $1,000 equivalent, send approximately $1,007.44 via the USD-to-EUR corridor. Compare this to PayPal's $1,031.33 — Wise saves about $23.89 on a single transfer. For monthly contractor payments, that's roughly $286 saved per year.
Sending tuition or large support payment
A $1,000 transfer to India via Wise costs approximately $8.36 in fees (USD to INR). A traditional bank wire for the same amount would cost $25-$45 in wire fees plus a 2-4% exchange rate markup — potentially $60+ total. Wise uses the mid-market exchange rate with transparent fees, making it the more economical choice for large transfers.
Small business international vendor payment
A business paying a $1,000 invoice to a UK supplier sends $1,005.82 via Wise (USD to GBP) — the cheapest international corridor. The same payment via PayPal would cost $1,031.33, and a bank wire could cost $1,045 or more with hidden exchange rate markups. For businesses making regular international payments, Wise offers predictable, low-cost transfers.
Comparing all corridors at $1,000
At $1,000, the corridor spread is $2.54 between the cheapest (USD to GBP at $5.82) and most expensive (USD to INR at $8.36) international options. Domestic USD transfers remain the cheapest at a flat $1.50. For recurring $1,000 transfers, choosing the right corridor can save $30+ per year — a meaningful difference.
Common Mistakes When Sending via Wise
✗ Myth: At $1,000, bank wire fees are comparable to Wise
Correct: Most US banks charge $25-$45 for international wire transfers regardless of amount, plus a 2-4% exchange rate markup. For $1,000, that's potentially $45 + $30 (3% markup) = $75 total cost. Wise's estimated fee for USD-to-EUR is approximately $7.44 with the mid-market exchange rate — roughly 90% cheaper than a bank wire.
✗ Myth: Wise fees are the same as shown here for all payment methods
Correct: The estimates on this page assume ACH bank debit — the cheapest standard funding method. If you fund a Wise transfer with a debit or credit card, the fee will be higher. For a $1,000 USD-to-EUR transfer, ACH costs about $7.44, but card funding could cost $15 or more. Always check the exact fee on Wise before sending.
✗ Myth: PayPal is just as cheap as Wise for international $1,000 transfers
Correct: PayPal Standard Card requires $1,031.33 to net $1,000 domestically — a $31.33 fee. International PayPal fees are even higher. Wise's USD-to-EUR fee is approximately $7.44, making Wise about 76% cheaper for this transfer. For cross-border payments where buyer/seller protection isn't needed, Wise is the clear cost winner.
Wise vs. PayPal: Estimated Cost to Receive $1,000
To receive $1,000 via PayPal Standard Card (2.99% + $0.49), charge $1,031.33. Wise (USD to EUR, 0.57% + $1.70) requires approximately $1,007.44 — about $23.89 less. At $1,000, Wise's cost advantage is dramatic for international transfers. At $1,000, Wise's cost advantage is dramatic — saving roughly $24 per transfer compared to PayPal.
Wise USD to EUR (estimate)
~$1,007.44
to receive ~$1,000
PayPal Standard Card
$1031.33
to receive $1,000
Estimated difference: ~$23.89 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 $1,000 via Wise?
For a USD-to-EUR transfer, send approximately $1,007.44 so the recipient gets the equivalent of $1,000 after Wise's fee (0.57% + $1.70). For USD-to-GBP, send $1,005.82. For USD-to-INR, send $1,008.36. For domestic USD, send $1,001.50. These are estimates — actual fees may vary based on payment method and real-time pricing.
Why are Wise fee calculations estimates and not exact?
Wise fees vary based on funding method (ACH is cheapest, card costs more), exact transfer amount, and real-time pricing adjustments. The rates on this page reflect ACH bank debit — the most common and cheapest option. For a precise quote before sending $1,000, use Wise's own calculator at wise.com.
How much does Wise save compared to PayPal for $1,000?
Wise saves approximately $23.89 per $1,000 transfer compared to PayPal. Wise (USD to EUR) costs about $7.44 in fees, while PayPal Standard Card charges $31.33 for the same $1,000 net. For monthly transfers, that's roughly $286 saved per year. Wise uses the mid-market exchange rate, while PayPal adds its own markup — making the actual savings even larger for currency conversions.
Which Wise corridor is cheapest for $1,000?
Domestic USD is cheapest at a flat $1.50 fee. Among international corridors, USD-to-GBP is cheapest at approximately $5.82, followed by USD-to-EUR at $7.44, and USD-to-INR at $8.36. The $2.54 spread between GBP and INR corridors is modest at $1,000 but adds up with recurring transfers.
Does Wise use the mid-market exchange rate?
Yes — Wise uses the mid-market (interbank) exchange rate with no markup. This is a significant advantage over banks and PayPal, which typically add a 2-4% markup to the exchange rate. For a $1,000 transfer, a 3% exchange rate markup would cost an additional $30 on top of any stated fees. Wise's transparent pricing means the fee shown is the total cost.
Is it better to send one $1,000 transfer or two $500 transfers via Wise?
One $1,000 transfer is more economical. Two $500 USD-to-EUR transfers would cost approximately 2 x $4.58 = $9.16 in total fees. A single $1,000 transfer costs about $7.44 — saving $1.72. The fixed fee ($1.70) is charged per transfer, so consolidating saves on the fixed component.
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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