Wise Fee Calculator (2026 Updated Rates)
Wise converts money at the real mid-market exchange rate for a small transparent fee — typically 0.33% to 0.65% depending on the corridor — instead of hiding cost inside a marked-up rate like PayPal or a bank wire. It is the benchmark this site compares payment-gateway FX markups against.
Fee breakdown
| Platform | Total fees | Net | vs here | |
|---|---|---|---|---|
| Wise (this page) | $4.80 | $995.20 | baseline | |
| Stripe | $29.30 | $970.70 | −$24.50 Less 🔻 | PK → |
| Square | $29.30 | $970.70 | −$24.50 Less 🔻 | PK → |
| PayPal | $35.39 | $964.61 | −$30.59 Less 🔻 | PK → |
| Lemon Squeezy | $50.50 | $949.50 | −$45.70 Less 🔻 | PK → |
| Paddle | $50.50 | $949.50 | −$45.70 Less 🔻 | PK → |
| Gumroad | $129.80 | $870.20 | −$125.00 Less 🔻 | PK → |
Wise fee quick reference (2026)
| Amount | Total fees | You keep | Take rate | Charge to net it |
|---|---|---|---|---|
| $10.00 | $0.54 | $9.46 | 5.4% | $10.55 |
| $25.00 | $0.61 | $24.39 | 2.4% | $25.62 |
| $50.00 | $0.72 | $49.28 | 1.4% | $50.72 |
| $100.00 | $0.93 | $99.07 | 0.9% | $100.94 |
| $250.00 | $1.58 | $248.42 | 0.6% | $251.59 |
| $500.00 | $2.65 | $497.35 | 0.5% | $502.67 |
| $1,000.00 | $4.80 | $995.20 | 0.5% | $1,004.83 |
Wise fee formula & hidden costs
payment processing 0.43% + $0.50
Worked example: $100.00 gross → $0.93 fees → $99.07 net. Reverse gross-up: charge = (target + fixed) / (1 − rate) → to net $100.00 charge $100.94.
Hidden fees to watch
- Receiving domestic USD wires costs a flat $4.14; ACH receipts are free.
- Fees are volume-tiered — very large monthly volumes unlock lower corridor rates.
- Card funding a transfer costs extra on top of the conversion fee.
- Some exotic corridors and weekend conversions carry small surcharges.
How to pay less in Wise fees
- Use the reverse calculator to pass fees to the client explicitly instead of eating them.
- Batch small orders — fixed per-order fees dominate sub-$10 transactions.
- Avoid currency conversion inside the platform; settle in your own currency via a multi-currency account.
- Compare Airwallex — Global business accounts, FX and payment acceptance.
Frequently asked questions
How much does it cost to convert $1,000 USD to EUR with Wise?
On the flagship USD-EUR corridor at ~0.43% plus a small fixed fee, converting $1,000 costs roughly $4.80 — versus $30-$40 of hidden markup inside a PayPal or bank conversion.
Why is Wise cheaper than a bank wire or PayPal for FX?
Banks and PayPal quote 0% fees but bake a 3-4% spread into their exchange rate. Wise uses the mid-market rate and shows the fee separately, so you can verify the true cost.
Does Wise charge to receive money?
Receiving ACH (USD), SEPA (EUR) or Faster Payments (GBP) is free. A domestic USD wire costs a flat $4.14.
How does Wise compare for receiving marketplace payouts?
Wise gives you local USD, EUR, GBP, AUD account details, so cross-border sellers can collect marketplace payouts domestically and convert at ~0.5% instead of paying the marketplace 2.5-4% FX markup.