Compare Money Transfer ProvidersPut two providers side by side and stop comparing fees; see which one sends more money

"Zero fee" does not mean a better deal. What decides whether the transfer is worth it is how much actually arrives. Enter provider A's and provider B's fee and rate, and this calculator works out the amount received and the effective cost for both at once, telling you which is the better deal and by how much. Runs entirely in your browser; no data is uploaded.

How to fill it in: the "provider rate" = the number on each provider's quote page, "1 unit of send currency = ? receive currency"; the "market mid-rate" = the live rate for the same currency pair from a search engine or finance site, used only to estimate the margin. Make sure both providers use the same currency direction.

Provider A: amount received (receive currency)—

Provider A: effective cost—

Provider B: amount received (receive currency)—

Provider B: effective cost—

Which is the better deal—

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How to read these numbers

Amount received: (amount sent − fee) × provider rate. This is the only number worth comparing across providers. Compare this, not the fee.
Effective cost: what the recipient "should have" received at the market mid-rate, versus what they actually get; the lower the percentage, the better the deal. It rolls the stated fee and the margin hidden in the rate into one number.
Which is the better deal: simply compare the amount received; the higher one wins, and the tool shows how much more arrives. A common case is that the "zero fee" provider with a worse rate actually delivers less.

To understand how the fee and the exchange margin each eat your money, see how fees and the exchange margin eat your money; to compare apps side by side, see remittance apps compared; for the cheapest route overall, see the cheapest way to send money.

The result is an estimate based on the numbers you enter, and does not include intermediary-bank charges, receiving-bank credit fees, or other deductions that may apply at the receiving end; the actual amount received is whatever each provider's page shows at the time. Figures are illustrative only.

This tool is a pure front-end estimator; it does not connect to the internet or collect data. Exchange rates and fees are whatever each provider's page shows at the time. Updated 2026-07-02.