Wise Exchange Rates vs PayPal

Wise uses the mid-market exchange rate with a small transparent fee (typically 0.4–0.7%). PayPal adds a 3–4% exchange rate markup on top of its fees. For international transfers, Wise is typically 3–5× cheaper than PayPal.

Why does Wise have no hidden exchange rate markup?

Wise converts at the real mid-market rate (the one you see on Google). Their fee is a separate, transparent percentage — there's no spread hidden in the exchange rate.

How long does a Wise transfer take?

Most transfers arrive within seconds to 1 business day. Some routes (like USD → JPY) may take 1–2 business days. Wise shows you the estimated arrival time before you confirm.

Wise Transfer Fee Calculator

Calculate Wise international transfer fees. No hidden spread — just a small variable fee. See how much the recipient gets. Free calculator.

Type

Mode

Sale Price ($)

Enter a sale price to see the fee breakdown.

Frequently asked questions

Wise Fee Calculator — International Transfer 2026

Calculate the exact cost of sending money internationally with Wise. No hidden spread — just a transparent variable fee.

Mid-market rate

Wise uses the real exchange rate with no markup.

Multiple corridors

USD to EUR, GBP, JPY, CAD and more.

Fee rates verified and updated April 2026. Rates may change — verify directly with the platform before transacting.