Wise Fee Calculator — United States
Approximate typical cost of sending USD via Wise. Wise prices each currency route individually — your exact fee depends on the destination currency and payment method, so treat this as an estimate and confirm at wise.com/pricing.
Country: United States
Effective rate: 1.04%
Wise fees at a glance
| Percentage fee | 0.6% |
|---|---|
| Fixed fee | $2.20 |
| Total fee on a $500 transaction | $5.20 |
| You receive | $494.80 |
Worked example
On a $500 sale, Wise charges $5.20 in fees, and you receive $494.80.
How this fee is calculated
Wise charges 0.6% of the transaction amount plus a flat fixed fee of $2.20 per successful charge. Adjust the amount above to see the exact split.
What affects this fee
- The destination currency and route — every currency pair is priced separately
- How you pay (bank transfer is cheapest; card payments cost more)
- Weekend FX rate mark-ups when markets are closed
- International or cross-border transactions typically carry an additional surcharge
- Currency conversion adds a separate conversion cost where applicable
- Disputes and chargebacks carry their own separate fees, not shown here
How Wise compares in United States
On the same $500 transaction:
Frequently asked questions
How much does Wise charge to send US currency?
Sending US currency via Wise typically costs about 0.6% plus a fixed fee of 2.2 for most routes. Your exact fee depends on the destination currency and payment method.
Does Wise add a markup to the exchange rate?
Wise uses the mid-market exchange rate and builds its margin into the fee shown here rather than hiding it in the rate. This is why Wise is often cheaper than banks for international transfers.
Why does my Wise fee differ from this calculator?
Wise prices every currency route individually. The figure here is a typical US estimate — your exact fee depends on the destination currency, the amount, and how you pay (bank transfer is cheapest).
Does Wise refund its fee if a transfer is cancelled?
No. If you cancel a transfer after it's been charged or a recipient returns money, Wise does not refund the original transfer fee — you'd pay a new fee to send it again.
Is this Wise US calculator affiliated with Wise?
No. It's an independent tool from Fee Calculator Hub. Wise's official pricing is a JS-rendered page, so we show approximate documented rates and recommend confirming at wise.com/pricing.
Are there weekend FX mark-ups on Wise?
Yes. When markets are closed on weekends, Wise may apply a small temporary exchange-rate margin. This isn't a fixed fee you'd see here, but it can slightly increase the real cost.
Rates verified September 1, 2026 against Wise's official pricing page. Fee structures change periodically — always confirm current rates before making pricing decisions.