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Calcimator

Cross-Border Payment Cost Calculator

Compare total costs across SWIFT wire, SEPA, online transfer services, and card payments including fees and FX spread.

Inputs

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Results

SWIFT Total Cost ($)

$215.00

≈ 14 movie tickets

SWIFT Cost (%)2.15%
SEPA Total Cost ($)$30.50
SEPA Cost (%)0.31%
Online Service Cost ($)$93.50
Online Cost (%)0.94%
Card / PayPal Cost ($)$540.30
Card Cost (%)5.4%
Cheapest Option ($)$30.50
Maximum Savings ($)$509.80
Swift Recipient Receives10,820
Sepa Recipient Receives10,967
Online Recipient Receives10,956
Card Recipient Receives10,725
How to Use This Calculator
  1. Enter Transfer Amount ($), Mid-Market Exchange Rate, and SWIFT Send Fee ($).
  2. Set SWIFT Receive Fee ($), SWIFT Intermediary Fee ($), and SWIFT FX Spread (%).
  3. Adjust SEPA / Local Rails Fee ($), SEPA FX Spread (%) as needed.
  4. Review the SWIFT Total Cost ($) ($) result.
  5. Use SWIFT Cost (%) (%) and SEPA Total Cost ($) ($) to inform your decision.

How the result changes with Transfer Amount ($)

Transfer Amount ($)SWIFT Total Cost ($)
100,000,001$1,500,065.02
350,000,001$5,250,065.01
650,000,000$9,750,065.00
900,000,000$13,500,065.00

What each input means

Transfer Amount ($)
Amount to send in the source currency.
Mid-Market Exchange Rate
True mid-market rate (source/destination).
SWIFT Send Fee ($)
Fee charged by the sending bank for a SWIFT wire.
SWIFT Receive Fee ($)
Fee charged by the receiving bank.
SWIFT Intermediary Fee ($)
Correspondent bank fee (may be zero for direct routes).
SWIFT FX Spread (%)
Bank's FX markup over mid-market rate.
SEPA / Local Rails Fee ($)
Fee for SEPA or equivalent local clearing.
SEPA FX Spread (%)
FX markup for SEPA payments (often lower within EU).
Online Service Fixed Fee ($)
Fixed transaction fee from online providers like Wise.
Online Variable Fee (%)
Percentage fee on transfer amount.
Online FX Spread (%)
FX markup for online money transfer services.
Card / PayPal Fee (%)
Transaction fee percentage for card or PayPal.
Card Fixed Fee ($)
Per-transaction fixed fee.
Card FX Spread (%)
FX markup charged by card networks.

What each result means

SWIFT Total Cost ($)
Total cost including fees and FX spread for a SWIFT wire.
SWIFT Cost (%)
SWIFT cost as percentage of transfer amount.
SEPA Total Cost ($)
Total cost for a SEPA or local rail transfer.
SEPA Cost (%)
SEPA cost as percentage of transfer amount.
Online Service Cost ($)
Total cost using an online money transfer service.
Online Cost (%)
Online service cost as percentage of transfer amount.
Card / PayPal Cost ($)
Total cost using card or PayPal.
Card Cost (%)
Card cost as percentage of transfer amount.
Cheapest Option ($)
Lowest total cost among all methods.
Maximum Savings ($)
Savings from using the cheapest vs most expensive method.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Transfer Amount ($) = 10000, Mid-Market Exchange Rate = 1.1, SWIFT Send Fee ($) = 35, SWIFT Receive Fee ($) = 15 = 14 input(s) provided
  2. Calculate SWIFT Total Cost
    SWIFT Total Cost = swiftTotalFees + swiftFxCost
    215 = $215
  3. Calculate SWIFT Cost
    SWIFT Cost = (swiftTotalCost / transferAmount) * 100
    2.15 = 2.15%
  4. Calculate SEPA Total Cost
    SEPA Total Cost = sepaFee + sepaFxCost
    30.5 = $30.5

Engine last updated .

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