Compare what arrives, not just the headline.
An exchange rate alone does not tell you the total cost of an international transfer. Ask each provider for a quote based on the same sending amount, currencies and payment method.
| What to check | What to ask your provider |
|---|---|
| Exchange rate | What rate applies to this transfer, and when is it fixed? |
| Transfer fee | Is there a separate charge, and is it deducted from the amount sent? |
| Other bank charges | Could an intermediary or recipient bank deduct a charge? |
| Recipient amount | How much should arrive after the known costs? |
| Timing | When do I need to pay, and when should the recipient receive it? |
The difference between the market-rate equivalent and the quoted recipient amount can help you assess a transfer’s cost. Our calculator provides an indicative benchmark; it is not an executable provider quote.
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