Cross-Border Payment Cost Calculator
Compare total costs across SWIFT wire, SEPA, online transfer services, and card payments including fees and FX spread.
Inputs
%
%
%
%
%
%
Results
SWIFT Total Cost ($)
$215
SWIFT Cost (%)2.15%
SEPA Total Cost ($)$30.5
SEPA Cost (%)0.31%
Online Service Cost ($)$93.5
Online Cost (%)0.94%
Card / PayPal Cost ($)$540.3
Card Cost (%)5.4%
Cheapest Option ($)$30.5
Maximum Savings ($)$509.8
Swift Recipient Receives10,820
Sepa Recipient Receives10,967
Online Recipient Receives10,956
Card Recipient Receives10,725
How to Use This Calculator
- Enter Transfer Amount ($), Mid-Market Exchange Rate, and SWIFT Send Fee ($).
- Set SWIFT Receive Fee ($), SWIFT Intermediary Fee ($), and SWIFT FX Spread (%).
- Adjust SEPA / Local Rails Fee ($), SEPA FX Spread (%) as needed.
- Review the SWIFT Total Cost ($) ($) result.
- Use SWIFT Cost (%) (%) and SEPA Total Cost ($) ($) to inform your decision.
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