Wise Fees Calculator — United States Rates
Calculate Wise transfer fees. FX corridor rates are reference estimates — actual fees vary by amount and payment method. Use Wise's calculator for an exact quote.
Transaction Type
Current Wise US Rates
Estimated| Type | Rate | Fixed |
|---|---|---|
| USD → EUR | 0.57% | $1.70 |
| USD → GBP | 0.41% | $1.70 |
| USD → INR | 0.66% | $1.70 |
| USD Domestic | 0.0% | $1.50 |
Last verified: 2026-04-13 · Source
Wise fees vary by transfer corridor, payment method, and transfer amount. Rates shown are approximate figures for ACH bank debit — the cheapest standard method. Card-funded transfers incur higher fees. Always use Wise's calculator for an exact quote before sending.
Use reverse calculation to determine what to charge so you receive the exact amount you need after fees.
Wise Fee Structure
USD → EUR
0.57% + $ 1.70
The USD to EUR corridor covers transfers to all Eurozone countries. Wise uses the mid-market rate and charges approximately 0.57% plus a $1.70 fixed fee when funded by ACH bank debit.
USD → GBP
0.41% + $ 1.70
USD to GBP is one of Wise's highest-volume corridors, which keeps costs low. The fee is approximately 0.41% plus a $1.70 fixed fee for ACH-funded transfers — among the cheapest rates Wise offers.
USD → INR
0.66% + $ 1.70
USD to INR is one of the largest US remittance corridors. Wise charges approximately 0.66% plus a $1.70 fixed fee for ACH-funded transfers, still significantly cheaper than traditional bank wire fees.
USD Domestic
0% + $ 1.50
Sending USD to another Wise account or US bank account domestically costs a flat $1.50 with no percentage fee, making it economical for any transfer size.
Rates last verified on 2026-04-13. Source: Wise official pricing . Wise fees vary by transfer corridor, payment method, and transfer amount. Rates shown are approximate figures for ACH bank debit — the cheapest standard method. Card-funded transfers incur higher fees. Always use Wise's calculator for an exact quote before sending.
Example Fee Calculations
| Amount | USD → EUR | USD → GBP | USD → INR | USD Domestic | ||||
|---|---|---|---|---|---|---|---|---|
| Fee | You Receive | Fee | You Receive | Fee | You Receive | Fee | You Receive | |
| $100.00 | $2.27 | $97.73 | $2.11 | $97.89 | $2.36 | $97.64 | $1.50 | $98.50 |
| $500.00 | $4.55 | $495.45 | $3.75 | $496.25 | $5.00 | $495.00 | $1.50 | $498.50 |
| $1,000.00 | $7.40 | $992.60 | $5.80 | $994.20 | $8.30 | $991.70 | $1.50 | $998.50 |
| $2,500.00 | $15.95 | $2,484.05 | $11.95 | $2,488.05 | $18.20 | $2,481.80 | $1.50 | $2,498.50 |
| $5,000.00 | $30.20 | $4,969.80 | $22.20 | $4,977.80 | $34.70 | $4,965.30 | $1.50 | $4,998.50 |
| $10,000.00 | $58.70 | $9,941.30 | $42.70 | $9,957.30 | $67.70 | $9,932.30 | $1.50 | $9,998.50 |
All amounts in USD. Fees calculated using current Wise rates.
How Wise Pricing Works
Wise uses the real mid-market exchange rate — the rate you see on Google or Reuters — and charges a separate, transparent fee on top. Traditional banks and PayPal build their profit into the exchange rate itself, often marking it up by 1–3%, so the fee is hidden. With Wise, the rate and the fee are always shown separately before you confirm.
Each transfer has two components: a conversion fee that varies by currency corridor (expressed as a percentage of the amount sent) and a fixed fee that depends on your payment method. Funding via a connected bank account (ACH) is the cheapest option and carries the lowest fixed fee, typically $1.70. Paying by debit or credit card adds a higher fixed component.
Fee rates differ by corridor because the cost of settling funds in each country varies. Sending USD to EUR costs around 0.57% + $1.70; USD to GBP is lower at approximately 0.41% + $1.70 because the GBP corridor has high volume and efficient settlement. USD to INR runs about 0.66% + $1.70, reflecting the complexity of the Indian payment rails.
For domestic USD transfers and receiving money, Wise charges a small flat fee. Sending USD to another Wise account within the US costs $1.50, and receiving domestic ACH transfers is free. Receiving USD wire transfers costs $6.11. There are no monthly fees, no minimum balance requirements, and no subscription plans.
Using Wise in the United States
Wise (formerly TransferWise) is not a payment processor — it's a money transfer and multi-currency account service. Unlike Stripe or PayPal, you cannot use Wise to accept card payments from customers or embed a checkout button on your website. Wise's value is in outbound transfers and currency management: sending money to international contractors, paying overseas suppliers, or moving funds between your own accounts in different currencies.
US residents can open a Wise multi-currency account to hold and convert 40+ currencies without maintaining separate foreign bank accounts. The account provides local receiving details in currencies including USD, EUR, GBP, and AUD — which means overseas clients can pay you as if they're making a domestic transfer in their own currency, avoiding international wire fees on their end. Wise uses the real mid-market exchange rate with no markup; the only cost is the transparent transfer fee shown before you confirm.
Wise Business accounts are particularly popular among US freelancers who invoice clients in Europe or the UK. A US-based designer billing an EU client in euros can receive funds in their Wise EUR balance, convert at the mid-market rate when favorable, and withdraw to their US bank account in dollars — all without a bank charging $30 wire fees or hiding a 2-3% currency markup in the rate. For remote workers, agencies, and small businesses with international revenue, Wise is a practical FX management tool rather than a payment processor.
Frequently Asked Questions
How much does it cost to send money from the US with Wise?
Fees vary by corridor and payment method. For example, sending $1,000 to EUR via ACH costs approximately $7.40 ($1.70 fixed + 0.57% of $1,000 = $5.70). Compare that to a typical bank wire which might charge $30–$50 and give a worse exchange rate.
Does Wise use the real exchange rate?
Yes. Wise uses the mid-market rate — the same rate shown on Google, XE, or Reuters — with no markup. Banks typically add 1–3% to the exchange rate on top of any transfer fee, which on a $5,000 transfer can mean $50–$150 in hidden costs. Wise's fees are always displayed upfront before you send.
How is Wise different from Stripe or PayPal?
Stripe and PayPal are payment processors for businesses accepting payments from customers — they are not designed for outbound international transfers. Wise is built specifically for sending money abroad using real exchange rates. If you are paying international contractors, moving money between your own accounts, or sending remittances, Wise is the better fit.
What payment methods can I use to fund a Wise transfer?
You can fund a Wise transfer using a connected bank account (ACH), a debit card, or a credit card. ACH is the cheapest option and typically takes 1–3 business days to process. Debit and credit cards have higher fixed fees but may be faster. Wire transfers from your US bank are also accepted for large amounts.
Does Wise charge monthly fees or require a minimum balance?
No. Wise has no monthly fees, no account maintenance fees, and no minimum balance requirements. You only pay a fee when you make a transfer. There is no premium subscription required to access the mid-market exchange rate.
How long do Wise transfers take?
Most transfers to major corridors like EUR and GBP arrive within 1–2 business days when funded by ACH. Some transfers are instant or same-day. Transfers to less common corridors may take 2–5 business days. Wise shows an estimated delivery date before you confirm each transfer.
Is Wise the same as TransferWise?
Yes. TransferWise rebranded to Wise in 2021. The service, fees, and mid-market rate exchange remain the same. If you previously used TransferWise for international transfers from the US, your account and transfer history carried over to Wise automatically.
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