Wise Fee Calculator (US send)
Estimate outbound Wise transfer cost. Pick a corridor preset, then edit percent / fixed to match your live quote.
Presets approximate Wise’s published bank-transfer quotes (Oct 2026): ~$9.87 on $1,000 USD→EUR bank; ~$10.29 on $1,000 USD→GBP bank; ~$16.05 on $1,000 USD→EUR debit. Linear model fee = amount × % + fixed (~0.272%+$7.15 for EUR bank) tracks Wise’s $1k / $30k EUR band; real fees are non-linear and change. Always confirm the live quote on wise.com/us/pricing / the send calculator. Mid-market FX not modeled. Not affiliated with Wise.
Formula
fee = amount × percent + fixed
net = amount − fee
FAQ
Why aren’t Wise fees a single rate?
Wise fees vary by corridor, amount, and payment method (bank/ACH, debit, credit, Wise balance). Presets approximate published quotes around $1,000 bank-funded sends; edit fields or check Wise’s live quote.
What are the default USD→EUR bank figures based on?
Wise’s own published quote for sending $1,000 USD to EUR by bank transfer was about $9.87 (Oct 2026), and about $88.83 for $30,000. Our preset uses ~0.272% + $7.15 to track that band. Source: wise.com/us/send-money/send-money-to-europe and wise.com/us/pricing.
Does this include FX markup?
No. Wise states it uses the mid-market rate with a separate visible fee. This tool models the fee only, not the exchange rate itself.
Is TakeHome affiliated with Wise?
No. Estimates only; not financial advice.
How does this compare to Stripe or PayPal?
Open the Stripe Fee or PayPal Fee tools with a similar amount to compare payment-processor take vs transfer fees.