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Remittance Cost CalculatorRecipient amount, total cost and effective percentage versus the mid-market rate. Transfer Frequency CalculatorCompare your current schedule with one monthly transfer and the annual saving. Currency Buffer CalculatorSize a local-currency buffer for an adverse exchange-rate move. Landed Amount CalculatorWhat arrives after fixed fees, percentage fees and FX margin. Recurring Transfer CostThe annual and five-year cost of sending money every month. Transfer Route ComparisonCompare two providers or routes on the amount that actually arrives.

Card Foreign-Transaction FeeWhat a card purchase abroad costs after the FX fee and markup. ATM Withdrawal CostThe effective cost of cash withdrawals abroad, including operator fees.

Invoice Currency CostThe cost of invoicing in a foreign currency and waiting for payment.

Remittance ReferenceSet overview — 14 entries Mid-market rateThe midpoint between buy and sell rates, used as a reference. FX marginThe provider's markup inside the exchange rate. Fixed feeA flat charge per transfer, independent of the amount. Percentage feeA charge proportional to the amount sent. Receiving feeA charge deducted by the destination bank or provider. Intermediary bankA correspondent bank that processes a transfer between banks. SWIFT transferThe cross-border messaging network used by banks for wires. SEPA transferEuro payments within the Single Euro Payments Area. ACH transferA low-cost batch payment system used in the United States. IBANAn international account number used mainly in Europe and beyond. BIC / SWIFT codeAn identifier for a bank in international payments. Value dateThe date the money becomes available, not when it was sent. Transfer limitThe maximum amount a provider allows per transfer or per period. FX bufferExtra money set aside for rate movement before a payment.