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SWIFT Wire Arrival CalculatorCount intermediary fees and the OUR/SHA/BEN option together, and see how much the recipient really receives

International wires often go out at 5,000 but land at 4,950, with the gap swallowed by intermediary-bank fees and the receiving-bank credit fee. Whether these are deducted, and who pays them, depends on the OUR / SHA / BEN charge option you choose. Fill in the fields below and this calculator estimates how much the recipient actually receives, the total cost of the wire and its percentage. Runs entirely in your browser; no data is uploaded.

The three charge options: OUR = the sender pays all charges, so the recipient is more likely to receive the full amount; SHA = charges are shared, and intermediary fees come out of the transferred amount; BEN = the recipient pays all charges. Most banks default to SHA.
Amount the recipient actually receives (approx.)—
Total cost of this transfer (approx.)—
As a share of the amount sent—

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How to read these numbers

  • Total intermediary fees: number of intermediary banks × fee each deducts. A wire may pass through 0–3 correspondent banks on the way, and each can deduct a same-currency charge.
  • Amount the recipient receives: with OUR, you pay the intermediary fees separately at the sending end, so the recipient is usually only charged the receiving-bank credit fee; with SHA/BEN, both the intermediary fees and the credit fee come out of the transferred amount, so the recipient receives less.
  • Total cost and share: total intermediary fees + the receiving-bank credit fee; divide by the amount sent to get the cost of this wire as a percentage. The smaller the amount and the more banks it passes through, the higher the share.

To understand the wire process, SWIFT messaging and how these charges arise, see how a bank wire transfer works. To compare wires with cheaper channels, see four ways compared and how fees and the exchange margin eat your money.

The result is an estimate based on the numbers you enter. The number of intermediary banks and the fee each deducts cannot be known in advance, and some receiving banks may also charge a separate credit fee; the actual amount received is whatever your bank and the receiving bank show at the time.

This tool is a pure front-end estimator; it does not connect to the internet or collect data. Fees and charge options are whatever your bank and the receiving bank show at the time. Updated 2026-07-02.