Wise Transfer Fees

Last updated on July 2nd, 2025Why trust usDisclosure

Wise fees from

We've analyzed Wise transfer fees based on 1769 currency pairs. We’ve looked at sending 1,000 and 100,000 in the origin currency.

In general, we found that fees are much higher for lower transfer amounts vs larger transfers.

On average, Wise adds a fee of 3.76%. The fee is worked out as a percentage of the total fees in relation to the transfer amount.

Of 1769 currency combinations, 108 currency pairs have fees lower or equal to 0.33%, while all others are higher.

Key findings

Here's a quick summary of Wise transfer fees and our findings.

1. Economies of scale and fee reductions vary across countries and currencies

Increasing the transfer amount typically leads to lower fee percentages due to economies of scale.

For example, in Australia, the fee percentage decreases significantly when transferring from 1,000 AUD to 100,000 AUD across all currencies.

However, this reduction is not consistent everywhere.

In Canada, fees for the Georgian Lari (GEL) decrease only slightly from 1.80% at 1,000 CAD to 1.43% at 100,000 CAD, indicating limited economies of scale.

Similarly, in Denmark, fees for the Ukrainian Hryvnia (UAH) decrease minimally from 0.80% to 0.72% when increasing the transfer amount from 1,000 DKK to 100,000 DKK.

2. Exceptionally high fees for small transfers to certain currencies

Small transfers to specific currencies incur exceptionally high fees, regardless of the origin country.

For instance, transferring 1,000 CZK from the Czech Republic to the Uruguayan Peso (UYU) incurs a fee of 30.92%. In Sweden, sending 1,000 SEK to UYU incurs a fee of 13.59%.

High fees for small transfers are often associated with less common or volatile currencies like UYU, ZAR, EGP, and TRY.

In Turkey, small transfers of 1,000 TRY have fees ranging from 13.52% (UAH) to 28.16% (CNY).

3. Variability and regional disparities in fees and transfer times

Fees and transfer times vary significantly based on the region and destination currency, influenced by local regulations and banking practices.

For example, in the UK, transfers to African countries like Tanzanian Shilling (TZS) and Kenyan Shilling (KES) have higher fees (1.32% and 1.18%, respectively) compared to European countries like Danish Krone (DKK) and Norwegian Krone (NOK) with fees around 0.42%.

Additionally, transfer durations can range from instant transfers to delays up to 168 hours (7 days).

In India, transfers to the Chilean Peso (CLP) and Norwegian Krone (NOK) can take up to 144 hours (6 days), while in Singapore, fees for a 1,000 SGD transfer range from 0.36%to 2.84%, depending on the destination currency.

4. Rapid transfer times for certain currencies from specific countries

Some transfer corridors offer exceptionally quick transfers, enhancing cost-effectiveness.

From Hong Kong, transfers to currencies like Malaysian Ringgit (MYR), Thai Baht (THB), Pakistani Rupee (PKR), and Hungarian Forint (HUF) can be completed almost instantly.

Similarly, from the United States, transfers to Hong Kong Dollar (HKD), HUF, THB, MYR, PKR, Sri Lankan Rupee (LKR), and Vietnamese Dong (VND) are often completed within seconds to a minute.

Some countries like India and Israel do not offer immediate transfers, with minimum transfer times of at least 24 hours or up to 7 days for certain currencies.

5. Persistent high fees for specific destinations despite larger transfer amounts

Some currencies maintain high fees even when larger amounts are transferred, indicating that economies of scale do not always mitigate initial high costs.

In Hungary, transferring 100,000 HUF to the Uruguayan Peso (UYU) still incurs a fee of 5.87%.

In the United Kingdom, sending £100,000 to UYU only reduces the fee from 2.21% to 1.08%, showing that larger transfers do not always result in proportionally lower fees for certain destinations.

6. Impact of regulatory requirements and local banking costs

High fees and long transfer times are often influenced by local regulations and banking costs.

In China, high fees for small transfers (ranging from 9.45% to 19.26% for 1,000 CNY) are likely due to stricter regulations and currency controls.

In Liechtenstein, higher fees and longer transfer times for certain currencies like Uruguayan Peso (UYU) and Moroccan Dirham (MAD) suggest that local banking costs and regulatory requirements uniquely impact these destinations.

7. Cheapest and most expensive currencies

The most expensive transfer corridor is CNY-UYU. Sending 1,000 CNY would cost 192.62 CNY (~$27.06).

While the cheapest transfer is for CHF-CAD/AUD/DKK/NZD. Sending 100,000 CHF to all these destinations would cost only 0.14% in fees.

8. Importance of comparing fees before transferring

Due to the wide variability in fees, you should compare fees for different currencies and transfer amounts before initiating a transfer.

For example, in Sweden, fees for small transfers range from 0.98% for the Ukrainian Hryvnia (UAH) to 13.59% for the Uruguayan Peso (UYU).

Similarly, in Singapore, a 1,000 SGD transfer to AUD costs 0.36%, whereas to UYU it costs 2.84%.

Careful comparison can lead to substantial cost savings, especially when transferring to destinations with high fee variability.

For more information, refer to the data below.

The data below is broken down by country and summarizes key findings.

Australia

Decreasing fee percentages with higher transfer amounts: As the transfer amount increases from 1,000 AUD to 100,000 AUD, the fee percentage decreases significantly across all currencies.
Exchange rate variations between small and large transfers: The exchange rates for some currencies show minor differences between 1,000 AUD and 100,000 AUD transfer amounts. For example, for 1,000 AUD the exchange rate is 2.46887 vs for 100,000 AUD it is 2.46336.
Consistent processing times across transfer amounts: The processing time does not increase with higher transfer amounts, which is beneficial for urgent large transfers.
Lower fees for transfers to stable economies: Transfers to countries with stable economies continue to offer lower fees, which become even more favorable with larger amounts. For example for a 1,000 AUD transfer to CAD, the fee is 0.53% vs 0.30% for 100,000 AUD.
Higher fees for transfers to emerging market currencies: Currencies from emerging markets often have higher fee percentages. For example, a 1,000 AUD transfer to Uruguayan Peso (UYU) has a fee of 3.08%, Moroccan Dirham (MAD) is 2.57%, and Colombian Peso (COP) is 2.41%.

Overview of Wise transfer fees from Australia

Amount	1,000 AUD	100,000 AUD
Average Markup	0%	0%
Average Transfer Fee	10.69	544.50
Average Transfer Time	32:34:17	38:24:00
Average Fee %	1.07%	0.54%

Breakdown of the transfer fees

Sending 1,000 AUD from Australia

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	8.42 AUD	2.46887	24:00:00	0.84%
BDT	13.25 AUD	80.3219	24:00:00	1.33%
BGN	6.74 AUD	1.20473	24:00:00	0.67%
BRL	10.95 AUD	3.79337	24:00:00	1.10%
CAD	5.31 AUD	0.928273	48:00:00	0.53%
CHF	5.95 AUD	0.578587	24:00:00	0.60%
CLP	10.59 AUD	629.586	72:00:00	1.06%
CNY	14.65 AUD	4.78329	24:00:00	1.47%
COP	24.08 AUD	2852.5	24:00:00	2.41%
CRC	23.53 AUD	345.905	48:00:00	2.35%
CZK	6.09 AUD	15.5456	24:00:00	0.61%
DKK	5.47 AUD	4.59554	24:00:00	0.55%
EGP	20.04 AUD	32.6332	24:00:00	2.00%
GEL	16.63 AUD	1.83497	24:00:00	1.66%
HKD	5.48 AUD	5.22103	24:00:00	0.55%
HUF	9.17 AUD	246.528	24:00:00	0.92%
IDR	6.79 AUD	10472.1	24:00:00	0.68%
ILS	9.44 AUD	2.52275	72:00:00	0.94%
JPY	7.31 AUD	100.234	24:00:00	0.73%
KES	13.35 AUD	86.7074	24:00:00	1.34%
KRW	8.53 AUD	914.084	24:00:00	0.85%
LKR	9.04 AUD	196.96	24:00:00	0.90%
MAD	25.68 AUD	6.60568	72:00:00	2.57%
MXN	7.71 AUD	13.1759	24:00:00	0.77%
MYR	5.64 AUD	2.89764	24:00:00	0.56%
NOK	5.69 AUD	7.25848	72:00:00	0.57%
NPR	7.84 AUD	90.3827	24:00:00	0.78%
NZD	5.39 AUD	1.10206	48:00:00	0.54%
PHP	8.22 AUD	38.8249	24:00:00	0.82%
PKR	8.18 AUD	186.872	24:00:00	0.82%
PLN	5.87 AUD	2.64423	48:00:00	0.59%
RON	6.07 AUD	3.06469	48:00:00	0.61%
SEK	5.93 AUD	6.96487	24:00:00	0.59%
SGD	5.8 AUD	0.879271	24:00:00	0.58%
THB	8.51 AUD	22.3752	24:00:00	0.85%
TRY	13.84 AUD	23.0107	24:00:00	1.38%
TZS	14.72 AUD	1829.76	24:00:00	1.47%
UAH	4.87 AUD	27.5602	24:00:00	0.49%
UGX	8.87 AUD	2465.74	24:00:00	0.89%
UYU	30.8 AUD	27.8642	72:00:00	3.08%
VND	10.63 AUD	16758.1	24:00:00	1.06%
ZAR	18.09 AUD	11.8368	24:00:00	1.81%

Sending 100,000 AUD from Australia

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	332.66 AUD	2.46336	24:00:00	0.33%
BGN	399.84 AUD	1.20288	24:00:00	0.40%
CAD	299.83 AUD	0.926118	48:00:00	0.30%
CHF	300.46 AUD	0.576985	24:00:00	0.30%
CLP	629.91 AUD	628.745	72:00:00	0.63%
CRC	1339.04 AUD	345.025	48:00:00	1.34%
CZK	369.52 AUD	15.504	24:00:00	0.37%
DKK	299.98 AUD	4.58726	24:00:00	0.30%
EGP	834.87 AUD	32.5406	24:00:00	0.83%
GEL	1350.71 AUD	1.82864	48:00:00	1.35%
HKD	339.34 AUD	5.2064	24:00:00	0.34%
HUF	754.74 AUD	246.088	24:00:00	0.75%
IDR	478.78 AUD	10442.5	24:00:00	0.48%
ILS	471.69 AUD	2.52021	72:00:00	0.47%
JPY	380.49 AUD	99.9644	48:00:00	0.38%
KES	1025.93 AUD	86.4623	48:00:00	1.03%
KRW	578.76 AUD	912.599	24:00:00	0.58%
MXN	577.95 AUD	13.1707	24:00:00	0.58%
MYR	388.87 AUD	2.88945	24:00:00	0.39%
NOK	300.2 AUD	7.25358	72:00:00	0.30%
NZD	309.75 AUD	1.10103	48:00:00	0.31%
PHP	587.74 AUD	38.7177	48:00:00	0.59%
PKR	567.8 AUD	186.33	24:00:00	0.57%
PLN	369.23 AUD	2.64045	48:00:00	0.37%
RON	359.84 AUD	3.05941	48:00:00	0.36%
SEK	320.12 AUD	6.94996	24:00:00	0.32%
SGD	319.99 AUD	0.877391	24:00:00	0.32%
TRY	318.17 AUD	22.9488	48:00:00	0.32%
UYU	1150.58 AUD	27.7746	72:00:00	1.15%
ZAR	578.33 AUD	11.8261	24:00:00	0.58%

Brazil

Cost-effectiveness of larger transfers: Larger transfers are more cost-effective on a percentage basis, benefiting users who need to send substantial amounts. For example, if the 1,000 BRL fee percentage to UYU (Uruguayan Peso) was applied to 100,000 BRL, the fee would be 8,470 BRL, so the actual fee represents a saving of 5,747.45 BRL.
Varied transfer times across currencies: Transfer times can range from immediate to 72 hours, which may impact users needing quick transfers. Some transfers such as PHP, MYR, and HKD are immediate while NOK, MAD, and CLP can take up to 72 hours.
Non-uniform decrease in fee percentages for larger transfers: The fee percentage does not decrease uniformly across all currencies when increasing the transfer amount. For example, the MAD (Moroccan Dirham) decreased from 5.49% to 3.45% (a reduction of 2.04 percentage points) while the Canadian Dollar decreased from 2.41% to 1.85% (a reduction of 0.56 percentage points).

Overview of Wise transfer fees from Brazil

Amount	1,000 BRL	100,000 BRL
Average Markup	0%	0%
Average Transfer Fee	35.07	2136.12
Average Transfer Time	21:36:37	30:04:27
Average Fee %	3.51%	2.14%

Breakdown of the transfer fees

Sending 1,000 BRL from Brazil

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	35.76 BRL	0.651299	24:00:00	3.58%
AUD	24.14 BRL	0.263765	24:00:00	2.41%
BDT	43.18 BRL	21.1893	24:00:00	4.32%
BGN	26.56 BRL	0.317724	24:00:00	2.66%
CAD	24.07 BRL	0.244794	24:00:00	2.41%
CHF	27.36 BRL	0.152642	0:50:00	2.74%
CLP	33.84 BRL	166.009	72:00:00	3.38%
CNY	48.29 BRL	1.2623	9:13:42	4.83%
COP	47.08 BRL	753.452	6:08:40	4.71%
CRC	62.25 BRL	91.2836	48:00:00	6.23%
CZK	25.39 BRL	4.10081	24:00:00	2.54%
DKK	25.17 BRL	1.21192	24:00:00	2.52%
EGP	70.47 BRL	8.61166	24:00:00	7.05%
GEL	37.28 BRL	0.484244	24:00:00	3.73%
HKD	23.85 BRL	1.37781	0:15:00	2.39%
HUF	26.08 BRL	65.0234	0:15:00	2.61%
IDR	24.71 BRL	2763.56	24:00:00	2.47%
ILS	34.23 BRL	0.665951	72:00:00	3.42%
JPY	30.43 BRL	26.4552	24:00:00	3.04%
KES	33.99 BRL	22.8819	0:45:00	3.40%
KRW	28.29 BRL	241.212	0:18:00	2.83%
LKR	32.86 BRL	51.9773	0:15:00	3.29%
MAD	54.85 BRL	1.74294	72:00:00	5.49%
MXN	25.44 BRL	3.47506	0:15:00	2.54%
MYR	22.87 BRL	0.76468	0:14:44	2.29%
NOK	25.66 BRL	1.91453	72:00:00	2.57%
NPR	28.95 BRL	23.85	0:45:00	2.90%
NZD	24.45 BRL	0.290809	24:00:00	2.45%
PHP	27 BRL	10.2491	0:00:00	2.70%
PLN	24.24 BRL	0.697658	48:00:00	2.42%
RON	25.61 BRL	0.808736	48:00:00	2.56%
SEK	26.43 BRL	1.83743	24:00:00	2.64%
SGD	25.67 BRL	0.23201	0:14:59	2.57%
THB	28.45 BRL	5.90167	0:15:00	2.85%
TRY	57.98 BRL	6.07275	0:16:00	5.80%
TZS	35.72 BRL	482.886	24:00:00	3.57%
UAH	21.5 BRL	7.27331	4:07:28	2.15%
UYU	84.73 BRL	7.35353	48:00:00	8.47%
VND	31.18 BRL	4422.56	0:16:00	3.12%
ZAR	66.75 BRL	3.1227	24:00:00	6.68%

Sending 100,000 BRL from Brazil

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	1890.8 BRL	0.650221	24:00:00	1.89%
AUD	1849.68 BRL	0.264035	24:00:00	1.85%
BGN	1949.09 BRL	0.317525	24:00:00	1.95%
CAD	1849.6 BRL	0.244512	24:00:00	1.85%
CHF	1852.91 BRL	0.152372	24:00:00	1.85%
CLP	2178.69 BRL	166.131	72:00:00	2.18%
CRC	2892.78 BRL	91.1259	48:00:00	2.89%
CZK	1918.57 BRL	4.09515	24:00:00	1.92%
DKK	1850.72 BRL	1.21154	24:00:00	1.85%
EGP	2407.01 BRL	8.59441	24:00:00	2.41%
GEL	2885.12 BRL	0.48297	24:00:00	2.89%
HKD	1887.95 BRL	1.37376	0:15:00	1.89%
HUF	2293.99 BRL	64.9368	0:15:00	2.29%
IDR	2025.03 BRL	2755.35	24:00:00	2.03%
ILS	2025.05 BRL	0.665423	72:00:00	2.03%
JPY	1933.08 BRL	26.3412	48:00:00	1.93%
KES	2566.71 BRL	22.8139	48:00:00	2.57%
KRW	2124.95 BRL	240.865	0:51:39	2.12%
MAD	3449.73 BRL	1.73903	72:00:00	3.45%
MXN	2122.1 BRL	3.47795	0:15:00	2.12%
MYR	1935.62 BRL	0.762408	0:15:00	1.94%
NOK	1851.2 BRL	1.91403	72:00:00	1.85%
NZD	1859.63 BRL	0.290469	24:00:00	1.86%
PLN	1917.25 BRL	0.696964	48:00:00	1.92%
RON	1909.58 BRL	0.80739	48:00:00	1.91%
SEK	1871.26 BRL	1.83495	24:00:00	1.87%
SGD	1870.5 BRL	0.231473	0:15:00	1.87%
THB	2115.16 BRL	5.89253	24:00:00	2.12%
TRY	1893.18 BRL	6.05523	48:00:00	1.89%
UYU	2722.55 BRL	7.33152	48:00:00	2.72%
VND	2302.91 BRL	4410.71	0:16:00	2.30%
ZAR	2153.46 BRL	3.12319	24:00:00	2.15%

Bulgaria

Uniformly low fees for major currencies, even at small amounts: Transferring 1,000 BGN to major currencies like AUD, CAD, CHF, DKK, NOK, SGD, and NZD incurs low fees ranging from 1.11% to 1.20%, offering Bulgarian users predictable and affordable costs for small transfers.
Higher fees persist for certain currencies despite larger transfers: Even when increasing the transfer amount to 100,000 BGN, some currencies like CRC (1.57% fee), GEL (1.58%), and UYU (1.38%) maintain higher fees compared to major currencies where fees drop to as low as 0.53%. This indicates that factors like currency volatility and local banking costs continue to impact fees for these currencies.
Longer transfer times are common for larger amounts: Many currencies require longer transfer times of 48 to 72 hours for larger transfers. For example, sending 100,000 BGN to CLP, ILS, NOK, and UYU can take up to 72 hours, suggesting that higher-value transfers may involve more processing and compliance checks. Users should plan accordingly for these potential delays.

Overview of Wise transfer fees from Bulgaria

Amount	1,000 BGN	100,000 BGN
Average Markup	0%	0%
Average Transfer Fee	17.11	771.72
Average Transfer Time	33:42:51	41:48:23
Average Fee %	1.71%	0.77%

Breakdown of the transfer fees

Sending 1,000 BGN from Bulgaria

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	15.05 BGN	2.04978	24:00:00	1.51%
AUD	11.14 BGN	0.830186	24:00:00	1.11%
BDT	20.07 BGN	66.6871	48:00:00	2.01%
BRL	16.74 BGN	3.14834	24:00:00	1.67%
CAD	11.28 BGN	0.770332	48:00:00	1.13%
CHF	12.03 BGN	0.480345	24:00:00	1.20%
CLP	17.02 BGN	522.654	72:00:00	1.70%
CNY	21.65 BGN	3.97087	24:00:00	2.17%
COP	30.4 BGN	2370.83	24:00:00	3.04%
CRC	31.18 BGN	287.155	48:00:00	3.12%
CZK	12.05 BGN	12.9014	24:00:00	1.21%
DKK	11.46 BGN	3.8142	24:00:00	1.15%
EGP	28.1 BGN	27.0888	24:00:00	2.81%
GEL	22.74 BGN	1.52331	24:00:00	2.27%
HKD	11.36 BGN	4.33426	24:00:00	1.14%
HUF	14.92 BGN	204.598	24:00:00	1.49%
IDR	12.7 BGN	8693.47	24:00:00	1.27%
ILS	16.02 BGN	2.09511	72:00:00	1.60%
JPY	13.57 BGN	83.2157	48:00:00	1.36%
KES	19.48 BGN	71.9806	24:00:00	1.95%
KRW	14.67 BGN	758.809	24:00:00	1.47%
LKR	15.39 BGN	163.508	24:00:00	1.54%
MAD	32.61 BGN	5.48305	72:00:00	3.26%
MXN	13.6 BGN	10.9365	24:00:00	1.36%
MYR	11.44 BGN	2.40549	24:00:00	1.14%
NOK	11.72 BGN	6.02394	72:00:00	1.17%
NPR	13.97 BGN	75.0386	24:00:00	1.40%
NZD	11.31 BGN	0.914964	48:00:00	1.13%
PHP	14.24 BGN	32.2256	24:00:00	1.42%
PKR	14.23 BGN	155.147	24:00:00	1.42%
PLN	11.83 BGN	2.19505	48:00:00	1.18%
RON	12.05 BGN	2.54404	48:00:00	1.21%
SEK	11.95 BGN	5.77933	24:00:00	1.20%
SGD	11.8 BGN	0.729944	24:00:00	1.18%
THB	14.66 BGN	18.5702	24:00:00	1.47%
TRY	21.77 BGN	19.1044	24:00:00	2.18%
TZS	21.97 BGN	1519.13	24:00:00	2.20%
UAH	10.62 BGN	22.8814	24:00:00	1.06%
UGX	16.1 BGN	2047.14	24:00:00	1.61%
UYU	40.47 BGN	23.1337	72:00:00	4.05%
VND	16.8 BGN	13913.1	24:00:00	1.68%
ZAR	26.45 BGN	9.82582	24:00:00	2.65%

Sending 100,000 BGN from Bulgaria

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	563.25 BGN	2.04784	24:00:00	0.56%
AUD	529.58 BGN	0.831813	24:00:00	0.53%
CAD	529.72 BGN	0.770468	48:00:00	0.53%
CHF	530.46 BGN	0.479999	24:00:00	0.53%
CLP	859.28 BGN	523.123	72:00:00	0.86%
CRC	1568.1 BGN	286.996	48:00:00	1.57%
CZK	599.15 BGN	12.8967	24:00:00	0.60%
DKK	529.9 BGN	3.81552	24:00:00	0.53%
EGP	1065.01 BGN	27.0685	48:00:00	1.07%
GEL	1577.82 BGN	1.52113	48:00:00	1.58%
HKD	568.99 BGN	4.3309	24:00:00	0.57%
HUF	982.59 BGN	204.67	24:00:00	0.98%
IDR	708.32 BGN	8686.44	48:00:00	0.71%
ILS	701.87 BGN	2.09634	72:00:00	0.70%
JPY	610.33 BGN	83.1233	48:00:00	0.61%
KES	1254.45 BGN	71.9224	48:00:00	1.25%
KRW	808.04 BGN	759.233	48:00:00	0.81%
MXN	806.97 BGN	10.9557	24:00:00	0.81%
MYR	618.32 BGN	2.40355	48:00:00	0.62%
NOK	530.17 BGN	6.032	72:00:00	0.53%
NZD	539.56 BGN	0.915422	48:00:00	0.54%
PHP	816.61 BGN	32.2027	48:00:00	0.82%
PKR	796.67 BGN	154.996	24:00:00	0.80%
PLN	598.82 BGN	2.19648	48:00:00	0.60%
RON	589.66 BGN	2.54479	48:00:00	0.59%
SEK	549.98 BGN	5.78228	24:00:00	0.55%
SGD	549.83 BGN	0.729789	24:00:00	0.55%
THB	798.04 BGN	18.5798	48:00:00	0.80%
TRY	549.98 BGN	19.0885	48:00:00	0.55%
UYU	1382.09 BGN	23.1026	72:00:00	1.38%
ZAR	809.75 BGN	9.84289	24:00:00	0.81%

Canada

Exceptionally long transfer times for certain currencies: Transfers to Norwegian Krone (NOK) and Israeli Shekel (ILS) can take up to 144 hours (6 days), much longer than the typical 24 to 72 hours, possibly due to additional regulatory requirements or banking procedures.
Minimal fee percentage decrease for larger transfers in some currencies: For currencies like Georgian Lari (GEL), the fee only decreases slightly from 1.80% at 1,000 CAD to 1.43% at 100,000 CAD, indicating limited economies of scale.
Consistently low fees for small transfers to major currencies: Sending 1,000 CAD to major currencies like AUD, CHF, SGD, and DKK incurs low fees below 0.75%, making it cost-effective to send money to stable economies regardless of the transfer amount.

Overview of Wise transfer fees from Canada

Amount	1,000 CAD	100,000 CAD
Average Markup	0%	0%
Average Transfer Fee	11.90	621.23
Average Transfer Time	39:25:43	45:36:00
Average Fee %	1.19%	0.62%

Breakdown of the transfer fees

Sending 1,000 CAD from Canada

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	9.6 CAD	2.66041	24:00:00	0.96%
AUD	6.69 CAD	1.07714	24:00:00	0.67%
BDT	14.49 CAD	86.5566	48:00:00	1.45%
BGN	8.14 CAD	1.29806	24:00:00	0.81%
BRL	12.42 CAD	4.08304	24:00:00	1.24%
CHF	7.36 CAD	0.623533	24:00:00	0.74%
CLP	11.86 CAD	678.202	72:00:00	1.19%
CNY	15.7 CAD	5.15457	24:00:00	1.57%
COP	25.35 CAD	3077.42	24:00:00	2.54%
CRC	24.27 CAD	372.755	48:00:00	2.43%
CZK	7.59 CAD	16.745	24:00:00	0.76%
DKK	6.92 CAD	4.95109	24:00:00	0.69%
EGP	21.01 CAD	35.1654	48:00:00	2.10%
GEL	17.98 CAD	1.97676	24:00:00	1.80%
HKD	6.95 CAD	5.62445	24:00:00	0.70%
HUF	10.63 CAD	265.504	24:00:00	1.06%
IDR	8.23 CAD	11284.9	48:00:00	0.82%
ILS	10.65 CAD	2.7196	144:00:00	1.07%
JPY	8.72 CAD	108.023	48:00:00	0.87%
KES	14.72 CAD	93.4072	24:00:00	1.47%
KRW	9.9 CAD	984.649	24:00:00	0.99%
LKR	10.37 CAD	212.179	24:00:00	1.04%
MAD	26.77 CAD	7.11556	72:00:00	2.68%
MXN	9.16 CAD	14.2119	24:00:00	0.92%
MYR	7.11 CAD	3.12154	24:00:00	0.71%
NOK	7.12 CAD	7.81882	144:00:00	0.71%
NPR	9.25 CAD	97.3593	24:00:00	0.93%
NZD	6.84 CAD	1.18751	48:00:00	0.68%
PHP	9.64 CAD	41.8005	24:00:00	0.96%
PKR	9.57 CAD	201.296	24:00:00	0.96%
PLN	7.3 CAD	2.84852	48:00:00	0.73%
RON	7.51 CAD	3.30163	48:00:00	0.75%
SEK	7.35 CAD	7.50234	24:00:00	0.74%
SGD	7.24 CAD	0.947142	24:00:00	0.72%
THB	9.87 CAD	24.0983	24:00:00	0.99%
TRY	11.45 CAD	24.7874	24:00:00	1.15%
TZS	16.13 CAD	1971	48:00:00	1.61%
UAH	6.37 CAD	29.6897	24:00:00	0.64%
UGX	10.29 CAD	2656.7	48:00:00	1.03%
UYU	30.75 CAD	30.0172	72:00:00	3.08%
VND	11.98 CAD	18052.9	24:00:00	1.20%
ZAR	18.64 CAD	12.7507	48:00:00	1.86%

Sending 100,000 CAD from Canada

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	409.67 CAD	2.65916	24:00:00	0.41%
AUD	377.02 CAD	1.07948	24:00:00	0.38%
BGN	476.96 CAD	1.2986	24:00:00	0.48%
CHF	377.68 CAD	0.623217	24:00:00	0.38%
CLP	706.65 CAD	679.393	72:00:00	0.71%
CRC	1414.76 CAD	372.671	48:00:00	1.41%
CZK	446.73 CAD	16.7496	24:00:00	0.45%
DKK	377.24 CAD	4.95537	24:00:00	0.38%
EGP	911.02 CAD	35.147	48:00:00	0.91%
GEL	1426.87 CAD	1.97517	48:00:00	1.43%
HKD	416.56 CAD	5.62354	24:00:00	0.42%
HUF	831.36 CAD	265.814	24:00:00	0.83%
IDR	555.88 CAD	11279.2	48:00:00	0.56%
ILS	548.59 CAD	2.72601	72:00:00	0.55%
JPY	457.59 CAD	107.885	48:00:00	0.46%
KES	1102.58 CAD	93.4072	48:00:00	1.10%
KRW	655.67 CAD	986.199	48:00:00	0.66%
MXN	654.94 CAD	14.2403	24:00:00	0.65%
MYR	466.04 CAD	3.12154	48:00:00	0.47%
NOK	377.44 CAD	7.83275	144:00:00	0.38%
NZD	386.99 CAD	1.18829	48:00:00	0.39%
PHP	664.58 CAD	41.8184	48:00:00	0.66%
PKR	644.6 CAD	201.296	48:00:00	0.64%
PLN	446.36 CAD	2.85297	48:00:00	0.45%
RON	437.06 CAD	3.30548	48:00:00	0.44%
SEK	397.32 CAD	7.51144	24:00:00	0.40%
SGD	397.21 CAD	0.947576	24:00:00	0.40%
TRY	391.58 CAD	24.7906	72:00:00	0.39%
UYU	1225.65 CAD	30.0056	72:00:00	1.23%
ZAR	654.39 CAD	12.7772	48:00:00	0.65%

China

Exceptionally high fees for small transfers from CNY: Transferring 1,000 CNY incurs high fees ranging from 9.45% to 19.26%, significantly higher than fees from other countries, likely due to stricter regulations and higher processing costs in China.
Significant decrease in fees for large transfers, but still higher than other currencies: For 100,000 CNY transfers, fees drop to 0.71% to 2.34%, but remain higher compared to large transfers from other countries where fees often fall below 1%.
Consistently high fees across all destination currencies for small transfers: High fees around 10% or more are consistent across all destinations when transferring 1,000 CNY, suggesting that origin country factors heavily influence fees more than the destination.

Overview of Wise transfer fees from China

Amount	1,000 CNY	100,000 CNY
Average Markup	0%	0%
Average Transfer Fee	110.23	1009.89
Average Transfer Time	22:21:13	30:29:22
Average Fee %	11.02%	1.01%

Breakdown of the transfer fees

Sending 1,000 CNY from China

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	113.18 CNY	0.516175	24:00:00	11.32%
AUD	97.71 CNY	0.209104	24:00:00	9.77%
BDT	121.24 CNY	16.793	24:00:00	12.12%
BGN	101.36 CNY	0.251881	24:00:00	10.14%
BRL	101.26 CNY	0.792476	4:53:19	10.13%
CAD	98.29 CNY	0.194047	24:00:00	9.83%
CHF	102.48 CNY	0.121008	24:00:00	10.25%
CLP	111.17 CNY	131.664	72:00:00	11.12%
COP	123.45 CNY	596.856	6:03:06	12.35%
CRC	148.02 CNY	72.3189	48:00:00	14.80%
CZK	99.59 CNY	3.24942	24:00:00	9.96%
DKK	99 CNY	0.960743	24:00:00	9.90%
EGP	149.32 CNY	6.82266	24:00:00	14.93%
GEL	112.44 CNY	0.38364	24:00:00	11.24%
HKD	97.58 CNY	1.09157	1:00:00	9.76%
HUF	99.08 CNY	51.5414	1:00:00	9.91%
IDR	98.54 CNY	2189.42	24:00:00	9.85%
ILS	112.21 CNY	0.527737	72:00:00	11.22%
JPY	103.52 CNY	20.9646	24:00:00	10.35%
KES	109.33 CNY	18.128	1:30:00	10.93%
KRW	103.26 CNY	191.093	1:35:34	10.33%
LKR	109.27 CNY	41.179	1:00:00	10.93%
MAD	135.08 CNY	1.38119	72:00:00	13.51%
MXN	99.11 CNY	2.75856	1:00:00	9.91%
MYR	96.3 CNY	0.605814	0:59:29	9.63%
NOK	99.02 CNY	1.51777	72:00:00	9.90%
NPR	103.92 CNY	18.8952	1:30:00	10.39%
NZD	98 CNY	0.230544	24:00:00	9.80%
PHP	101.28 CNY	8.11239	1:20:00	10.13%
PKR	101.85 CNY	39.0666	0:59:31	10.19%
PLN	98.57 CNY	0.552881	48:00:00	9.86%
RON	99.33 CNY	0.640871	48:00:00	9.93%
SEK	99.73 CNY	1.4566	24:00:00	9.97%
SGD	100.08 CNY	0.183831	0:59:09	10.01%
THB	103.52 CNY	4.67896	0:59:44	10.35%
TRY	123.26 CNY	4.81068	1:00:28	12.33%
TZS	111.27 CNY	382.525	24:00:00	11.13%
UAH	94.53 CNY	5.76166	24:00:00	9.45%
UGX	105.12 CNY	515.325	24:00:00	10.51%
UYU	192.62 CNY	5.82521	48:00:00	19.26%
VND	106.7 CNY	3503.4	1:01:00	10.67%
ZAR	148.92 CNY	2.47496	24:00:00	14.89%

Sending 100,000 CNY from China

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	753.85 CNY	0.51595	24:00:00	0.75%
AUD	708.66 CNY	0.209356	24:00:00	0.71%
BGN	810.56 CNY	0.251949	24:00:00	0.81%
BRL	1330.14 CNY	0.793803	4:03:53	1.33%
CAD	709.25 CNY	0.194019	24:00:00	0.71%
CHF	713.44 CNY	0.120969	24:00:00	0.71%
CLP	1045.74 CNY	131.771	72:00:00	1.05%
CRC	1776.69 CNY	72.3078	48:00:00	1.78%
CZK	779.16 CNY	3.24971	24:00:00	0.78%
DKK	709.95 CNY	0.961387	24:00:00	0.71%
EGP	1278.57 CNY	6.82006	24:00:00	1.28%
GEL	1759.28 CNY	0.383234	24:00:00	1.76%
HKD	747.7 CNY	1.09102	1:00:00	0.75%
HUF	1159.11 CNY	51.6026	1:00:00	1.16%
IDR	886.44 CNY	2188.46	24:00:00	0.89%
ILS	890.41 CNY	0.528518	72:00:00	0.89%
JPY	792.78 CNY	20.9302	48:00:00	0.79%
KES	1436.13 CNY	18.1201	48:00:00	1.44%
KRW	988.94 CNY	191.339	1:03:00	0.99%
MAD	2335.65 CNY	1.38118	72:00:00	2.34%
MXN	984.79 CNY	2.75846	1:00:00	0.98%
MYR	795.63 CNY	0.60555	1:00:00	0.80%
NOK	709.97 CNY	1.52014	72:00:00	0.71%
NZD	718.74 CNY	0.230575	24:00:00	0.72%
PHP	996.03 CNY	8.11411	48:00:00	1.00%
PKR	976.72 CNY	39.0496	24:00:00	0.98%
PLN	778.05 CNY	0.553493	48:00:00	0.78%
RON	769.38 CNY	0.641204	48:00:00	0.77%
SEK	730.27 CNY	1.4576	24:00:00	0.73%
SGD	730.63 CNY	0.183849	1:00:00	0.73%
THB	979.23 CNY	4.67949	24:00:00	0.98%
TRY	744.01 CNY	4.80906	48:00:00	0.74%
UYU	1626.23 CNY	5.82081	72:00:00	1.63%
VND	1169.38 CNY	3501.85	1:01:00	1.17%
ZAR	1024.63 CNY	2.47728	24:00:00	1.02%

Czech Republic

Exceptionally high fees for small transfers to certain currencies: Sending 1,000 CZK incurs very high fees to some destinations, such as Uruguayan Peso (UYU) at 30.92%, Egyptian Pound (EGP) at 18.46%, and South African Rand (ZAR) at 18.96%.
Significant fee reduction for large transfers to high-fee currencies: For 100,000 CZK transfers, fees to high-cost destinations decrease substantially, e.g., UYU drops from 30.92% to 1.54%, making large transfers more cost-effective.
Wide variability in fees based on destination currency: Fees range widely from as low as 1.36% for Ukrainian Hryvnia (UAH) to high percentages like 16.34% for Costa Rican Colón (CRC), highlighting the need to compare fees before transferring.

Overview of Wise transfer fees from Czech Republic

Amount	100,000 CZK
Average Markup	0%
Average Transfer Fee	763.60
Average Transfer Time	36:00:00
Average Fee %	0.76%

Breakdown of the transfer fees

Sending 100,000 CZK from Czech Republic

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	505.43 CZK	0.15876	24:00:00	0.51%
AUD	429.49 CZK	0.0644226	24:00:00	0.43%
BDT	890.56 CZK	5.16509	48:00:00	0.89%
BGN	536.21 CZK	0.0775281	24:00:00	0.54%
BRL	1046.3 CZK	0.244317	24:00:00	1.05%
CAD	430.22 CZK	0.0596967	48:00:00	0.43%
CHF	441.02 CZK	0.0372287	24:00:00	0.44%
CLP	787.86 CZK	40.5401	72:00:00	0.79%
CNY	911.26 CZK	0.307708	24:00:00	0.91%
CRC	1587.53 CZK	22.2596	48:00:00	1.59%
DKK	433.53 CZK	0.29586	24:00:00	0.43%
EGP	1108.33 CZK	2.0994	24:00:00	1.11%
GEL	1491.33 CZK	0.117976	24:00:00	1.49%
HKD	466.8 CZK	0.335866	24:00:00	0.47%
HUF	874.29 CZK	15.8794	24:00:00	0.87%
IDR	605.2 CZK	673.707	24:00:00	0.61%
ILS	637.67 CZK	0.162684	72:00:00	0.64%
JPY	530.71 CZK	6.44314	48:00:00	0.53%
KES	1166.82 CZK	5.57819	24:00:00	1.17%
KRW	716.61 CZK	58.9051	24:00:00	0.72%
MAD	2103.97 CZK	0.425098	72:00:00	2.10%
MXN	703.11 CZK	0.848843	24:00:00	0.70%
MYR	510.87 CZK	0.186415	24:00:00	0.51%
NOK	436.98 CZK	0.467735	72:00:00	0.44%
NPR	613 CZK	5.81422	24:00:00	0.61%
NZD	440.41 CZK	0.0709579	48:00:00	0.44%
PHP	719.3 CZK	2.49783	48:00:00	0.72%
PKR	701.71 CZK	12.0212	24:00:00	0.70%
PLN	498.44 CZK	0.170314	48:00:00	0.50%
RON	493.23 CZK	0.197327	48:00:00	0.49%
SEK	457.25 CZK	0.448557	24:00:00	0.46%
SGD	455.21 CZK	0.0565925	24:00:00	0.46%
THB	707.75 CZK	1.4404	48:00:00	0.71%
TRY	515.11 CZK	1.48055	24:00:00	0.52%
UGX	767.04 CZK	158.588	24:00:00	0.77%
UYU	1537.85 CZK	1.79197	72:00:00	1.54%
VND	899.25 CZK	1078.1	24:00:00	0.90%
ZAR	859.18 CZK	0.761972	24:00:00	0.86%

Denmark

Exceptionally high fees for small transfers to certain currencies: Transferring 1,000 DKK to Uruguayan Peso (UYU) incurs a fee of 9.98%, and to South African Rand (ZAR), a fee of 6.19%, indicating high costs for small transfers to these destinations.
Minimal fee reduction for larger transfers to certain currencies: Fees for currencies like Ukrainian Hryvnia (UAH) decrease only slightly from 0.80% at 1,000 DKK to 0.72% at 100,000 DKK, showing limited economies of scale.
Low fees for small transfers to Malaysian Ringgit (MYR): Sending 1,000 DKK to MYR incurs a low fee of 0.97%, making it particularly cost-effective for small transfers to Malaysia.

Overview of Wise transfer fees from Denmark

Amount	1,000 DKK	100,000 DKK
Average Markup	0%	0%
Average Transfer Fee	23.81	715.79
Average Transfer Time	32:34:17	37:24:42
Average Fee %	2.38%	0.72%

Breakdown of the transfer fees

Sending 1,000 DKK from Denmark

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	25.06 DKK	0.537117	24:00:00	2.51%
AUD	11.06 DKK	0.21762	24:00:00	1.11%
BDT	34.02 DKK	17.4744	24:00:00	3.40%
BGN	14.58 DKK	0.262146	24:00:00	1.46%
BRL	14.87 DKK	0.824473	24:00:00	1.49%
CAD	11.55 DKK	0.201988	48:00:00	1.16%
CHF	14.41 DKK	0.125942	24:00:00	1.44%
CLP	24.26 DKK	137.006	72:00:00	2.43%
CNY	40.03 DKK	1.04057	24:00:00	4.00%
COP	37.08 DKK	620.729	24:00:00	3.71%
CRC	58.66 DKK	75.2534	48:00:00	5.87%
CZK	12.5 DKK	3.38196	24:00:00	1.25%
EGP	61.12 DKK	7.09932	24:00:00	6.11%
GEL	25.93 DKK	0.398958	24:00:00	2.59%
HKD	10.77 DKK	1.13582	24:00:00	1.08%
HUF	12.78 DKK	53.6449	24:00:00	1.28%
IDR	11.96 DKK	2278.26	24:00:00	1.20%
ILS	24.92 DKK	0.549297	72:00:00	2.49%
JPY	18.1 DKK	21.8149	24:00:00	1.81%
KES	22.55 DKK	18.8636	24:00:00	2.26%
KRW	16.69 DKK	198.847	24:00:00	1.67%
LKR	22.29 DKK	42.8497	24:00:00	2.23%
MAD	47.87 DKK	1.43735	72:00:00	4.79%
MXN	12.61 DKK	2.86919	24:00:00	1.26%
MYR	9.7 DKK	0.630396	24:00:00	0.97%
NOK	13.23 DKK	1.57949	72:00:00	1.32%
NPR	17.11 DKK	19.6617	24:00:00	1.71%
NZD	11.44 DKK	0.239858	48:00:00	1.14%
PHP	14.81 DKK	8.4409	24:00:00	1.48%
PKR	15.37 DKK	40.6518	24:00:00	1.54%
PLN	11.75 DKK	0.57539	48:00:00	1.18%
RON	12.79 DKK	0.666917	48:00:00	1.28%
SEK	13.56 DKK	1.51608	24:00:00	1.36%
SGD	12.96 DKK	0.191299	24:00:00	1.30%
THB	16.95 DKK	4.86745	24:00:00	1.70%
TRY	35.26 DKK	5.00523	24:00:00	3.53%
TZS	23.12 DKK	398.001	24:00:00	2.31%
UAH	7.95 DKK	5.99476	24:00:00	0.80%
UGX	16.86 DKK	536.155	24:00:00	1.69%
UYU	99.78 DKK	6.06087	72:00:00	9.98%
VND	19.81 DKK	3645.13	24:00:00	1.98%
ZAR	61.86 DKK	2.57491	24:00:00	6.19%

Sending 100,000 DKK from Denmark

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	449.24 DKK	0.536896	24:00:00	0.45%
AUD	405.48 DKK	0.217782	24:00:00	0.41%
BGN	507.48 DKK	0.262176	24:00:00	0.51%
BRL	1028.51 DKK	0.825552	24:00:00	1.03%
CAD	405.98 DKK	0.201839	48:00:00	0.41%
CHF	408.83 DKK	0.125898	24:00:00	0.41%
CLP	743.05 DKK	137.075	72:00:00	0.74%
CRC	1473.04 DKK	75.2412	48:00:00	1.47%
CZK	475.72 DKK	3.38004	24:00:00	0.48%
EGP	975.1 DKK	7.09591	24:00:00	0.98%
GEL	1458.62 DKK	0.398803	24:00:00	1.46%
HKD	444.46 DKK	1.1354	24:00:00	0.44%
HUF	857.39 DKK	53.6601	24:00:00	0.86%
IDR	583.72 DKK	2277.37	24:00:00	0.58%
ILS	586.94 DKK	0.549901	72:00:00	0.59%
JPY	491.03 DKK	21.7804	48:00:00	0.49%
KES	1134.37 DKK	18.8563	48:00:00	1.13%
KRW	686.48 DKK	199.121	24:00:00	0.69%
MAD	2035.46 DKK	1.4369	72:00:00	2.04%
MXN	682.4 DKK	2.8681	24:00:00	0.68%
MYR	492.7 DKK	0.63015	24:00:00	0.49%
NOK	407.65 DKK	1.58113	72:00:00	0.41%
NZD	415.69 DKK	0.239843	48:00:00	0.42%
PHP	693.73 DKK	8.44578	48:00:00	0.69%
PKR	674.39 DKK	40.636	24:00:00	0.67%
PLN	474.88 DKK	0.575631	48:00:00	0.47%
RON	466.43 DKK	0.666948	48:00:00	0.47%
SEK	427.62 DKK	1.51621	24:00:00	0.43%
SGD	427.02 DKK	0.191259	24:00:00	0.43%
THB	676.77 DKK	4.86777	24:00:00	0.68%
TRY	439.5 DKK	5.00444	48:00:00	0.44%
UYU	1318.69 DKK	6.09112	72:00:00	1.32%
VND	866.86 DKK	3643.74	24:00:00	0.87%
ZAR	721.67 DKK	2.57528	24:00:00	0.72%

Europe

Consistently low fees for euro transfers across most destinations: Transferring 1,000 EUR incurs fees around or below 1% to a wide range of currencies, making euro transfers cost-effective compared to other currencies.
Minimal fee reduction with larger transfer amounts: Increasing the transfer amount to 100,000 EUR results in only slight fee decreases, such as a drop from 0.55% to 0.35% when sending to AUD, indicating limited economies of scale.
Consistent transfer times regardless of destination and amount: Most transfers are completed within 24 hours for both small and large amounts, allowing users to predict and plan their transactions effectively.

Overview of Wise transfer fees from Europe

Amount	1,000 EUR	100,000 EUR
Average Markup	0%	0%
Average Transfer Fee	10.22	578.25
Average Transfer Time	33:08:34	41:22:46
Average Fee %	1.02%	0.58%

Breakdown of the transfer fees

Sending 1,000 EUR from Europe

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	7.66 EUR	4.00754	24:00:00	0.77%
AUD	5.52 EUR	1.62368	24:00:00	0.55%
BDT	12.02 EUR	130.369	24:00:00	1.20%
BGN	6.85 EUR	1.95586	24:00:00	0.69%
BRL	11.44 EUR	6.15112	24:00:00	1.14%
CAD	5.58 EUR	1.50709	48:00:00	0.56%
CHF	5.96 EUR	0.93976	24:00:00	0.60%
CLP	10.12 EUR	1022.14	72:00:00	1.01%
CNY	12.83 EUR	7.76325	24:00:00	1.28%
COP	23.67 EUR	4631.85	24:00:00	2.37%
CRC	20.8 EUR	561.43	48:00:00	2.08%
CZK	6.38 EUR	25.2305	24:00:00	0.64%
DKK	5.67 EUR	7.4612	24:00:00	0.57%
EGP	16.78 EUR	52.9637	24:00:00	1.68%
GEL	16.58 EUR	2.97671	24:00:00	1.66%
HKD	5.81 EUR	8.47457	24:00:00	0.58%
HUF	9.68 EUR	400.24	24:00:00	0.97%
IDR	7.19 EUR	16997	24:00:00	0.72%
ILS	8.84 EUR	4.09569	72:00:00	0.88%
JPY	7.14 EUR	162.805	24:00:00	0.71%
KES	13.32 EUR	140.745	24:00:00	1.33%
KRW	8.67 EUR	1483.41	24:00:00	0.87%
LKR	8.57 EUR	319.71	24:00:00	0.86%
MAD	24.37 EUR	10.7239	72:00:00	2.44%
MXN	8.13 EUR	21.4088	24:00:00	0.81%
MYR	6.1 EUR	4.70352	24:00:00	0.61%
NOK	5.82 EUR	11.7861	72:00:00	0.58%
NPR	7.78 EUR	146.7	24:00:00	0.78%
NZD	5.66 EUR	1.78963	48:00:00	0.57%
PHP	8.5 EUR	63.0068	48:00:00	0.85%
PKR	8.4 EUR	303.312	24:00:00	0.84%
PLN	6.21 EUR	4.2932	48:00:00	0.62%
RON	6.26 EUR	4.97605	48:00:00	0.63%
SEK	6.01 EUR	11.3108	24:00:00	0.60%
SGD	5.93 EUR	1.42748	24:00:00	0.59%
THB	8.62 EUR	36.3123	24:00:00	0.86%
TRY	10.99 EUR	37.3493	24:00:00	1.10%
TZS	14.67 EUR	2969.62	24:00:00	1.47%
UGX	8.85 EUR	4000.86	24:00:00	0.89%
UYU	24.6 EUR	45.2223	72:00:00	2.46%
VND	10.64 EUR	27200.1	24:00:00	1.06%
ZAR	14.65 EUR	19.2034	24:00:00	1.47%

Sending 100,000 EUR from Europe

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	385.85 EUR	4.00533	24:00:00	0.39%
AUD	353.97 EUR	1.62414	24:00:00	0.35%
BGN	453.82 EUR	1.95594	24:00:00	0.45%
CAD	354.03 EUR	1.5052	48:00:00	0.35%
CHF	354.42 EUR	0.939225	24:00:00	0.35%
CLP	683.13 EUR	1022.27	72:00:00	0.68%
CRC	1389.69 EUR	561.331	48:00:00	1.39%
CZK	423.67 EUR	25.222	24:00:00	0.42%
DKK	354.12 EUR	7.4608	24:00:00	0.35%
GEL	1403.89 EUR	2.97507	48:00:00	1.40%
HKD	393.57 EUR	8.47007	24:00:00	0.39%
HUF	808.73 EUR	400.41	24:00:00	0.81%
IDR	533.05 EUR	16989.2	48:00:00	0.53%
ILS	524.95 EUR	4.10091	72:00:00	0.52%
JPY	434.17 EUR	162.595	48:00:00	0.43%
KES	1079.47 EUR	140.668	48:00:00	1.08%
KRW	632.66 EUR	1485.13	48:00:00	0.63%
MYR	443.2 EUR	4.70093	48:00:00	0.44%
NOK	354.26 EUR	11.7949	72:00:00	0.35%
NZD	363.93 EUR	1.78924	48:00:00	0.36%
PHP	641.68 EUR	63.0059	48:00:00	0.64%
PKR	621.68 EUR	303.145	24:00:00	0.62%
PLN	423.42 EUR	4.29435	48:00:00	0.42%
RON	413.95 EUR	4.9761	48:00:00	0.41%
SEK	374.12 EUR	11.3096	24:00:00	0.37%
SGD	374.04 EUR	1.4268	24:00:00	0.37%
TRY	369.25 EUR	37.333	48:00:00	0.37%
UYU	1197.87 EUR	45.1874	72:00:00	1.20%
ZAR	628.64 EUR	19.2153	24:00:00	0.63%

Hong Kong

Wide range of fees for small transfers, from very low to exceptionally high: Transferring 1,000 HKD can incur fees as low as 0.82% for Ukrainian Hryvnia (UAH) and as high as 11.48% for Uruguayan Peso (UYU), depending on the destination currency.
Extremely fast transfer times for many currencies, including instant transfers: Transfers to currencies like MYR, THB, PKR, and HUF can be completed almost instantly, often within a few seconds, providing rapid fund delivery.
Significant fee reductions for larger transfers, but high fees persist for some currencies: While fees decrease for larger amounts, some currencies like UYU still have relatively high fees (1.16%) when transferring 100,000 HKD, indicating persistent higher costs for certain destinations.

Overview of Wise transfer fees from Hong Kong

Amount	1,000 HKD	100,000 HKD
Average Markup	0%	0%
Average Transfer Fee	26.25	540.65
Average Transfer Time	21:08:05	30:29:12
Average Fee %	2.63%	0.54%

Breakdown of the transfer fees

Sending 1,000 HKD from Hong Kong

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	28.66 HKD	0.472902	24:00:00	2.87%
AUD	11.96 HKD	0.191543	24:00:00	1.20%
BDT	38.67 HKD	15.3851	24:00:00	3.87%
BGN	15.6 HKD	0.230802	24:00:00	1.56%
BRL	15.23 HKD	0.726789	2:54:12	1.52%
CAD	12.29 HKD	0.177753	24:00:00	1.23%
CHF	15.99 HKD	0.110856	0:35:00	1.60%
CLP	26.24 HKD	120.686	72:00:00	2.62%
CNY	44.12 HKD	0.916173	8:59:01	4.41%
COP	38.96 HKD	546.379	5:53:59	3.90%
CRC	66.09 HKD	66.2558	48:00:00	6.61%
CZK	13.58 HKD	2.9773	24:00:00	1.36%
DKK	13.36 HKD	0.880435	24:00:00	1.34%
EGP	70.8 HKD	6.25055	24:00:00	7.08%
GEL	27.2 HKD	0.351257	24:00:00	2.72%
HUF	13.09 HKD	47.2297	0:00:01	1.31%
IDR	12.47 HKD	2005.86	24:00:00	1.25%
ILS	26.82 HKD	0.483157	72:00:00	2.68%
JPY	20.69 HKD	19.2134	24:00:00	2.07%
KES	23.8 HKD	16.6082	0:30:00	2.38%
KRW	17.65 HKD	175.084	0:03:00	1.77%
LKR	25.04 HKD	37.7264	0:00:01	2.50%
MAD	51.28 HKD	1.26542	72:00:00	5.13%
MXN	13.09 HKD	2.52674	0:00:01	1.31%
MYR	10.09 HKD	0.555023	0:00:00	1.01%
NOK	14.57 HKD	1.39032	72:00:00	1.46%
NPR	18.88 HKD	17.3109	0:30:00	1.89%
NZD	12.41 HKD	0.21111	24:00:00	1.24%
PHP	15.54 HKD	7.43192	0:19:25	1.55%
PKR	16.18 HKD	35.7913	0:00:01	1.62%
PLN	12.37 HKD	0.506505	48:00:00	1.24%
RON	13.93 HKD	0.587123	48:00:00	1.39%
SEK	14.92 HKD	1.33404	24:00:00	1.49%
SGD	14.21 HKD	0.168444	0:00:01	1.42%
THB	17.95 HKD	4.28433	0:00:00	1.80%
TRY	39.48 HKD	4.40722	0:01:00	3.95%
TZS	24.76 HKD	350.452	24:00:00	2.48%
UAH	8.17 HKD	5.27857	3:52:48	0.82%
UGX	18.4 HKD	472.152	24:00:00	1.84%
UYU	114.81 HKD	5.33679	48:00:00	11.48%
VND	21.04 HKD	3209.66	0:01:00	2.10%
ZAR	72.21 HKD	2.26572	24:00:00	7.22%

Sending 100,000 HKD from Hong Kong

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	275.7 HKD	0.472878	24:00:00	0.28%
AUD	229.29 HKD	0.19165	24:00:00	0.23%
BGN	331.6 HKD	0.230914	24:00:00	0.33%
BRL	852.47 HKD	0.726762	3:54:42	0.85%
CAD	229.61 HKD	0.177629	24:00:00	0.23%
CHF	233.32 HKD	0.110974	24:00:00	0.23%
CLP	568.71 HKD	120.694	72:00:00	0.57%
CRC	1305.29 HKD	66.2714	48:00:00	1.31%
CZK	299.91 HKD	2.97723	24:00:00	0.30%
DKK	230.68 HKD	0.88078	24:00:00	0.23%
EGP	809.15 HKD	6.2505	24:00:00	0.81%
GEL	1285.13 HKD	0.351241	24:00:00	1.29%
HUF	682.12 HKD	47.237	0:00:01	0.68%
IDR	407.45 HKD	2005.77	24:00:00	0.41%
ILS	411.98 HKD	0.484139	72:00:00	0.41%
JPY	316.8 HKD	19.2035	48:00:00	0.32%
KES	959.71 HKD	16.6074	48:00:00	0.96%
KRW	510.97 HKD	175.305	0:36:57	0.51%
MAD	1865.02 HKD	1.26546	72:00:00	1.87%
MXN	506.41 HKD	2.5255	0:00:01	0.51%
MYR	316.21 HKD	0.554998	0:00:01	0.32%
NOK	231.89 HKD	1.39075	72:00:00	0.23%
NZD	239.59 HKD	0.211238	24:00:00	0.24%
PHP	518.24 HKD	7.43692	48:00:00	0.52%
PKR	499.01 HKD	35.7895	24:00:00	0.50%
PLN	298.64 HKD	0.50664	48:00:00	0.30%
RON	290.54 HKD	0.587373	48:00:00	0.29%
SEK	251.96 HKD	1.33469	24:00:00	0.25%
SGD	251.24 HKD	0.168436	0:00:01	0.25%
THB	501.33 HKD	4.28386	24:00:00	0.50%
TRY	266.66 HKD	4.40665	48:00:00	0.27%
UYU	1158.23 HKD	5.33484	48:00:00	1.16%
VND	691.76 HKD	3209.49	0:01:00	0.69%
ZAR	555.59 HKD	2.2665	24:00:00	0.56%

Hungary

Exceptionally high fees for small transfers from HUF: Sending 1,000 HUF incurs extremely high fees ranging from 29.40% to 97.50%, making small transfers highly cost-inefficient.
Significant reduction in fees for larger transfers: For 100,000 HUF transfers, fees drop dramatically to more reasonable levels between 1% and 4%, showing substantial economies of scale.
Persistently high fees for certain currencies even at larger amounts: Despite reductions, some currencies like Uruguayan Peso (UYU) still have higher fees (5.87%) at larger transfer amounts, indicating factors like currency volatility continue to impact costs.

Overview of Wise transfer fees from Hungary

Amount	100,000 HUF
Average Markup	0%
Average Transfer Fee	2046.43
Average Transfer Time	22:10:01
Average Fee %	2.05%

Breakdown of the transfer fees

Sending 100,000 HUF from Hungary

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	2038 HUF	0.0100108	24:00:00	2.04%
AUD	1237 HUF	0.00405624	24:00:00	1.24%
BDT	2611 HUF	0.325684	24:00:00	2.61%
BGN	1455 HUF	0.0048884	24:00:00	1.46%
BRL	1721 HUF	0.0153872	3:52:52	1.72%
CAD	1250 HUF	0.00376083	24:00:00	1.25%
CHF	1441 HUF	0.00234887	24:00:00	1.44%
CLP	2039 HUF	2.55506	72:00:00	2.04%
CNY	2967 HUF	0.0193997	8:07:41	2.97%
COP	3383 HUF	11.5496	5:02:39	3.38%
CRC	3981 HUF	1.40272	48:00:00	3.98%
CZK	1342 HUF	0.0630287	24:00:00	1.34%
DKK	1285 HUF	0.0186448	24:00:00	1.29%
EGP	4113 HUF	0.132317	24:00:00	4.11%
GEL	2497 HUF	0.00743447	24:00:00	2.50%
HKD	1238 HUF	0.0211672	0:00:01	1.24%
IDR	1356 HUF	42.4546	24:00:00	1.36%
ILS	2056 HUF	0.0102447	72:00:00	2.06%
JPY	1597 HUF	0.406522	24:00:00	1.60%
KES	2167 HUF	0.351518	0:30:00	2.17%
KRW	1649 HUF	3.71017	0:35:06	1.65%
LKR	1586 HUF	0.79849	0:00:01	1.59%
MAD	3904 HUF	0.0267874	72:00:00	3.90%
MXN	1437 HUF	0.0534539	0:00:01	1.44%
MYR	1192 HUF	0.0117483	0:00:01	1.19%
NOK	1327 HUF	0.0294431	72:00:00	1.33%
NPR	1608 HUF	0.366391	0:30:00	1.61%
NZD	1254 HUF	0.00447189	24:00:00	1.25%
PHP	1556 HUF	0.157413	0:20:00	1.56%
PKR	1575 HUF	0.757534	0:00:01	1.58%
PLN	1293 HUF	0.0107254	48:00:00	1.29%
RON	1331 HUF	0.0124347	48:00:00	1.33%
SEK	1359 HUF	0.028261	24:00:00	1.36%
SGD	1349 HUF	0.00356533	0:00:01	1.35%
THB	1658 HUF	0.0907116	0:00:01	1.66%
TRY	3122 HUF	0.0932765	0:01:00	3.12%
TZS	2296 HUF	7.41774	24:00:00	2.30%
UAH	1081 HUF	0.111726	24:00:00	1.08%
UGX	1693 HUF	9.99335	24:00:00	1.69%
UYU	5869 HUF	0.112924	48:00:00	5.87%
VND	1897 HUF	67.9362	0:01:00	1.90%
ZAR	4140 HUF	0.0479705	24:00:00	4.14%

India

Exceptionally long transfer times for certain currencies: Transfers of 100,000 INR to currencies like Chilean Peso (CLP) and Norwegian Krone (NOK) can take up to 144 hours (6 days), much longer than the typical 24-48 hours, indicating more extensive processing times due to banking procedures or regulatory requirements.
Narrow fee percentage range across different currencies: Fees for transferring 100,000 INR are relatively uniform, ranging from 1.70% to 2.79%, providing predictability for users as costs are consistent across different destinations.
No immediate or same-day transfers available from INR: All transfers have a minimum transfer time of at least 24 hours with no options for same-day delivery, highlighting a limitation in the speed of international transfers from India compared to other countries offering instant transfers.

Overview of Wise transfer fees from India

Amount	100,000 INR
Average Markup	0%
Average Transfer Fee	1897.80
Average Transfer Time	54:51:26
Average Fee %	1.90%

Breakdown of the transfer fees

Sending 100,000 INR from India

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	1893.2 INR	0.043703	48:00:00	1.89%
AUD	1700.66 INR	0.0177121	48:00:00	1.70%
BDT	2295.85 INR	1.42183	48:00:00	2.30%
BGN	1829.18 INR	0.0213411	48:00:00	1.83%
CAD	1706.9 INR	0.0164194	48:00:00	1.71%
CHF	1743.77 INR	0.0102532	48:00:00	1.74%
CLP	2122.99 INR	11.1656	144:00:00	2.12%
CZK	1776.72 INR	0.275194	48:00:00	1.78%
DKK	1711.02 INR	0.0814165	48:00:00	1.71%
GEL	2788.36 INR	0.0324819	48:00:00	2.79%
HUF	2114.14 INR	4.36629	24:00:00	2.11%
IDR	1865.63 INR	185.373	48:00:00	1.87%
MYR	1763.06 INR	0.0512929	24:00:00	1.76%
NOK	1719.67 INR	0.128561	144:00:00	1.72%
NZD	1712.04 INR	0.0195356	48:00:00	1.71%
PHP	1990.51 INR	0.686804	48:00:00	1.99%
PLN	1766.31 INR	0.0468316	72:00:00	1.77%
RON	1767.66 INR	0.0542981	72:00:00	1.77%
SEK	1741.99 INR	0.123405	48:00:00	1.74%
SGD	1739.93 INR	0.0155717	24:00:00	1.74%
TRY	2104.22 INR	0.407223	24:00:00	2.10%

Indonesia

Consistently moderate fees for transfers from IDR: Transferring 2,000,000 IDR incurs fees ranging from 2.95% to 4.88%, offering moderate and predictable costs across most destination currencies.
High fees persist for certain currencies even with larger transfers: Even when sending 500,000,000 IDR, some currencies like the Uruguayan Peso (UYU) maintain higher fees around 1.54%, indicating that larger amounts don't always result in significantly lower fees for all destinations.
Exceptionally quick transfer times for many currencies, but long delays for others: Transfers to currencies like CNY, HKD, MYR, SGD, and PKR are almost instant, often within 1 minute, while others like CLP and ILS can take up to 120 hours (5 days), highlighting the importance of considering transfer times based on the destination.

Overview of Wise transfer fees from Indonesia

Amount	2,000,000 IDR	500,000,000 IDR
Average Markup	0%	0%
Average Transfer Fee	92793.86	4270107.78
Average Transfer Time	22:30:30	28:35:42
Average Fee %	4.64%	0.85%

Breakdown of the transfer fees

Sending 2,000,000 IDR from Indonesia

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	97519 IDR	0.00023678	24:00:00	4.88%
AUD	62643 IDR	9.66E-05	24:00:00	3.13%
BDT	115775 IDR	0.00770398	24:00:00	5.79%
BGN	70139 IDR	0.000115813	24:00:00	3.51%
BRL	69603 IDR	0.000367162	2:26:17	3.48%
CAD	63927 IDR	8.88E-05	24:00:00	3.20%
CHF	71722 IDR	5.56E-05	0:35:00	3.59%
CLP	92750 IDR	0.0606753	120:00:00	4.64%
CNY	134574 IDR	0.000458656	0:00:01	6.73%
COP	121376 IDR	0.275061	0:00:01	6.07%
CRC	176449 IDR	0.0331584	24:00:00	8.82%
CZK	65782 IDR	0.00149782	24:00:00	3.29%
DKK	64821 IDR	0.000441753	24:00:00	3.24%
EGP	179410 IDR	0.00313231	24:00:00	8.97%
GEL	96014 IDR	0.0001756	24:00:00	4.80%
HKD	61876 IDR	0.000500961	0:00:01	3.09%
HUF	65530 IDR	0.0237536	0:00:01	3.28%
ILS	94935 IDR	0.000242566	120:00:00	4.75%
JPY	76887 IDR	0.00963707	24:00:00	3.84%
KES	88607 IDR	0.00831297	0:30:00	4.43%
KRW	74785 IDR	0.0878582	0:03:00	3.74%
LKR	88447 IDR	0.0188703	0:00:01	4.42%
MAD	147476 IDR	0.000635191	48:00:00	7.37%
MXN	65390 IDR	0.00128335	0:00:01	3.27%
MYR	58923 IDR	0.000276938	0:00:01	2.95%
NOK	66657 IDR	0.000700081	120:00:00	3.33%
NPR	76296 IDR	0.00866372	0:30:00	3.81%
NZD	63202 IDR	0.000106245	24:00:00	3.16%
PHP	70420 IDR	0.0037233	0:20:00	3.52%
PKR	71732 IDR	0.0179114	0:00:01	3.59%
PLN	63633 IDR	0.000254653	48:00:00	3.18%
RON	65575 IDR	0.000294629	48:00:00	3.28%
SEK	67678 IDR	0.00067318	24:00:00	3.38%
SGD	67239 IDR	8.45E-05	0:00:01	3.36%
THB	75405 IDR	0.00213879	0:00:01	3.77%
TRY	146053 IDR	0.00220515	0:01:00	7.30%
TZS	89428 IDR	0.175513	24:00:00	4.47%
UAH	54895 IDR	0.00264303	4:54:53	2.74%
UGX	75529 IDR	0.236456	24:00:00	3.78%
UYU	277435 IDR	0.00270588	48:00:00	13.87%
VND	82556 IDR	1.61041	0:01:00	4.13%
ZAR	178249 IDR	0.00113629	24:00:00	8.91%

Sending 500,000,000 IDR from Indonesia

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	3072459 IDR	0.00023678	24:00:00	0.61%
AUD	2871473 IDR	9.66E-05	24:00:00	0.57%
BGN	3428067 IDR	0.000115807	24:00:00	0.69%
BRL	6127364 IDR	0.000366766	2:24:28	1.23%
CAD	2872752 IDR	8.88E-05	24:00:00	0.57%
CHF	2880514 IDR	5.56E-05	0:35:00	0.58%
CLP	4710027 IDR	0.0606962	120:00:00	0.94%
CRC	8672719 IDR	0.0331584	24:00:00	1.73%
CZK	3258046 IDR	0.00149803	24:00:00	0.65%
DKK	2873678 IDR	0.000441729	24:00:00	0.57%
EGP	5883484 IDR	0.00313214	24:00:00	1.18%
GEL	8694001 IDR	0.0001756	48:00:00	1.74%
HKD	3089555 IDR	0.000500961	0:00:01	0.62%
HUF	5383292 IDR	0.0237514	0:00:01	1.08%
ILS	3838576 IDR	0.000242553	48:00:00	0.77%
JPY	3323129 IDR	0.00963771	24:00:00	0.66%
KES	6898761 IDR	0.00831297	24:00:00	1.38%
KRW	4418994 IDR	0.0878588	0:03:00	0.88%
MXN	4409656 IDR	0.00128328	0:00:01	0.88%
MYR	3361712 IDR	0.000276938	0:00:01	0.67%
NOK	2875505 IDR	0.000699971	120:00:00	0.58%
NZD	2926786 IDR	0.000106227	24:00:00	0.59%
PHP	4464947 IDR	0.00372337	24:00:00	0.89%
PKR	4354976 IDR	0.0179114	24:00:00	0.87%
PLN	3255264 IDR	0.000254643	48:00:00	0.65%
RON	3204802 IDR	0.000294632	48:00:00	0.64%
SEK	2985914 IDR	0.00067318	24:00:00	0.60%
SGD	2985476 IDR	8.45E-05	0:00:01	0.60%
THB	4363760 IDR	0.00213956	24:00:00	0.87%
TRY	3009242 IDR	0.00220518	48:00:00	0.60%
UYU	7682542 IDR	0.00268848	48:00:00	1.54%
ZAR	4465976 IDR	0.0011359	24:00:00	0.89%

Israel

Exceptionally long transfer times for transfers from ILS: Many currencies have transfer times up to 168 hours (7 days), such as the Chilean Peso (CLP) and Egyptian Pound (EGP), suggesting extended processing periods due to regulatory requirements or banking inefficiencies.
Minimal fee reductions for larger transfer amounts: Increasing the transfer amount from 1,000 ILS to 100,000 ILSresults in only slight fee decreases, e.g., from 0.87% to 0.56% for AUD, indicating limited economies of scale.
Consistently low fees across different currencies: Fees are generally below 2% even for small amounts, ranging from 0.74% to 3.78%, providing predictably low costs regardless of the destination currency.

Overview of Wise transfer fees from Israel

Amount	1,000 ILS	100,000 ILS
Average Markup	0%	0%
Average Transfer Fee	16.87	860.30
Average Transfer Time	86:02:56	108:00:00
Average Fee %	1.69%	0.86%

Breakdown of the transfer fees

Sending 1,000 ILS from Israel

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	16.4 ILS	0.978867	72:00:00	1.64%
AUD	8.74 ILS	0.396395	72:00:00	0.87%
BDT	21.88 ILS	31.8463	120:00:00	2.19%
BGN	10.93 ILS	0.477867	72:00:00	1.09%
BRL	13.77 ILS	1.50296	72:00:00	1.38%
CAD	8.98 ILS	0.367831	144:00:00	0.90%
CHF	10.86 ILS	0.229546	72:00:00	1.09%
CLP	16.75 ILS	249.741	168:00:00	1.68%
CNY	26.6 ILS	1.8964	48:00:00	2.66%
COP	30.11 ILS	1130.87	48:00:00	3.01%
CRC	37.83 ILS	137.146	144:00:00	3.78%
CZK	9.89 ILS	6.16433	72:00:00	0.99%
DKK	9.27 ILS	1.82305	120:00:00	0.93%
EGP	35.7 ILS	12.9372	168:00:00	3.57%
GEL	21.36 ILS	0.727023	72:00:00	2.14%
HKD	8.87 ILS	2.06982	48:00:00	0.89%
HUF	11.84 ILS	97.7696	48:00:00	1.18%
IDR	10.02 ILS	4151.68	72:00:00	1.00%
JPY	12.13 ILS	39.7834	72:00:00	1.21%
KES	18.06 ILS	34.3752	48:00:00	1.81%
KRW	12.79 ILS	362.456	48:00:00	1.28%
LKR	15.06 ILS	78.0851	48:00:00	1.51%
MAD	35.02 ILS	2.61974	168:00:00	3.50%
MXN	10.84 ILS	5.21987	48:00:00	1.08%
NOK	9.55 ILS	2.87778	168:00:00	0.96%
NPR	12.5 ILS	35.8297	48:00:00	1.25%
NZD	8.94 ILS	0.437023	96:00:00	0.89%
PHP	11.93 ILS	15.3828	48:00:00	1.19%
PKR	12.1 ILS	74.08	48:00:00	1.21%
PLN	9.39 ILS	1.0489	144:00:00	0.94%
RON	9.77 ILS	1.21561	144:00:00	0.98%
SEK	9.86 ILS	2.76182	72:00:00	0.99%
SGD	9.97 ILS	0.348669	48:00:00	1.00%
THB	12.86 ILS	8.86895	48:00:00	1.29%
TRY	23.79 ILS	9.12372	48:00:00	2.38%
TZS	19.39 ILS	725.358	72:00:00	1.94%
UAH	7.38 ILS	10.9255	72:00:00	0.74%
UGX	13.4 ILS	977.248	72:00:00	1.34%
UYU	57.57 ILS	11.046	168:00:00	5.76%
VND	15.36 ILS	6643.27	48:00:00	1.54%
ZAR	34.05 ILS	4.69081	120:00:00	3.41%

Sending 100,000 ILS from Israel

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	596.17 ILS	0.977356	72:00:00	0.60%
AUD	558.78 ILS	0.396166	72:00:00	0.56%
BGN	659.26 ILS	0.477303	72:00:00	0.66%
BRL	1182.26 ILS	1.50156	72:00:00	1.18%
CAD	559.03 ILS	0.367184	144:00:00	0.56%
CHF	560.9 ILS	0.229378	72:00:00	0.56%
CLP	890.52 ILS	249.564	168:00:00	0.89%
CRC	1605.99 ILS	136.972	144:00:00	1.61%
CZK	628.58 ILS	6.15515	72:00:00	0.63%
DKK	559.32 ILS	1.82098	120:00:00	0.56%
EGP	1103.99 ILS	12.9185	168:00:00	1.10%
GEL	1607.73 ILS	0.726412	72:00:00	1.61%
HKD	598.11 ILS	2.06656	48:00:00	0.60%
HUF	1011.02 ILS	97.6413	48:00:00	1.01%
IDR	737.13 ILS	4144.83	72:00:00	0.74%
JPY	640.49 ILS	39.7071	144:00:00	0.64%
KES	1284.42 ILS	34.3186	168:00:00	1.28%
KRW	837.7 ILS	362.356	48:00:00	0.84%
MAD	2175.38 ILS	2.61561	168:00:00	2.18%
MXN	835.76 ILS	5.22108	48:00:00	0.84%
NOK	559.61 ILS	2.87469	168:00:00	0.56%
NZD	568.8 ILS	0.436732	96:00:00	0.57%
PHP	845.85 ILS	15.3689	144:00:00	0.85%
PKR	826.09 ILS	73.9578	72:00:00	0.83%
PLN	627.98 ILS	1.04719	144:00:00	0.63%
RON	618.98 ILS	1.21423	144:00:00	0.62%
SEK	579.51 ILS	2.75988	72:00:00	0.58%
SGD	579.62 ILS	0.348147	48:00:00	0.58%
THB	827.77 ILS	8.85977	144:00:00	0.83%
TRY	583.59 ILS	9.10554	144:00:00	0.58%
UYU	1430.4 ILS	11.0937	168:00:00	1.43%
ZAR	848.84 ILS	4.68539	120:00:00	0.85%

Japan

Exceptionally high fees for small transfers from JPY: Transferring 1,000 JPY incurs very high fees ranging from 16.40% to 92%, making small transfers highly cost-inefficient.
Significant fee reduction for larger transfers, but high fees persist for some currencies: At 100,000 JPY, fees drop to 0.75% - 2.91%, but some currencies like Uruguayan Peso (UYU) still have higher fees around 2.91%.
Wide variability in fees based on destination currency for small amounts: Fees vary greatly, from 16.40% for Ukrainian Hryvnia (UAH) to 92% for Turkish Lira (TRY), emphasizing the need to compare fees carefully before transferring small amounts.

Overview of Wise transfer fees from Japan

Amount	100,000 JPY
Average Markup	0%
Average Transfer Fee	1285.17
Average Transfer Time	32:34:17
Average Fee %	1.29%

Breakdown of the transfer fees

Sending 100,000 JPY from Japan

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	1045 JPY	0.0246129	24:00:00	1.05%
AUD	776 JPY	0.00997669	24:00:00	0.78%
BDT	1485 JPY	0.800697	24:00:00	1.49%
BGN	927 JPY	0.0120182	24:00:00	0.93%
BRL	1359 JPY	0.037808	24:00:00	1.36%
CAD	781 JPY	0.00924755	48:00:00	0.78%
CHF	838 JPY	0.00577406	24:00:00	0.84%
CLP	1296 JPY	6.28581	72:00:00	1.30%
CNY	1733 JPY	0.0477031	24:00:00	1.73%
COP	2644 JPY	28.408	24:00:00	2.64%
CRC	2405 JPY	3.44916	48:00:00	2.41%
CZK	860 JPY	0.15499	24:00:00	0.86%
DKK	796 JPY	0.0458499	24:00:00	0.80%
EGP	2127 JPY	0.325321	24:00:00	2.13%
GEL	1909 JPY	0.0182921	24:00:00	1.91%
HKD	801 JPY	0.0520483	24:00:00	0.80%
HUF	1180 JPY	2.45837	24:00:00	1.18%
IDR	941 JPY	104.392	24:00:00	0.94%
ILS	1183 JPY	0.0251814	72:00:00	1.18%
KES	1585 JPY	0.864351	24:00:00	1.59%
KRW	1110 JPY	9.12794	24:00:00	1.11%
LKR	1108 JPY	1.96342	24:00:00	1.11%
MAD	2780 JPY	0.0658716	72:00:00	2.78%
MXN	1033 JPY	0.13147	24:00:00	1.03%
MYR	828 JPY	0.0288854	24:00:00	0.83%
NOK	810 JPY	0.072422	72:00:00	0.81%
NPR	1014 JPY	0.900801	24:00:00	1.01%
NZD	790 JPY	0.0110035	48:00:00	0.79%
PHP	1081 JPY	0.387129	24:00:00	1.08%
PKR	1075 JPY	1.86246	24:00:00	1.08%
PLN	847 JPY	0.0263757	48:00:00	0.85%
RON	852 JPY	0.0305779	48:00:00	0.85%
SEK	837 JPY	0.0695198	24:00:00	0.84%
SGD	822 JPY	0.0087693	24:00:00	0.82%
THB	1106 JPY	0.223093	24:00:00	1.11%
TRY	1482 JPY	0.229296	24:00:00	1.48%
TZS	1727 JPY	18.2364	24:00:00	1.73%
UAH	754 JPY	0.274679	24:00:00	0.75%
UGX	1145 JPY	24.5685	24:00:00	1.15%
UYU	2907 JPY	0.279436	72:00:00	2.91%
VND	1316 JPY	167.02	24:00:00	1.32%
ZAR	1882 JPY	0.118043	24:00:00	1.88%

Liechtenstein

Exceptionally low fees for small transfers from CHF: Sending 1,000 CHF incurs very low fees often below 1%, e.g., transferring to AUD or CAD costs only 0.38%, highlighting cost-effectiveness even for small amounts.
Significant economies of scale with larger transfer amounts: For 100,000 CHF, fees decrease substantially to around 0.14% or less for major currencies, emphasizing considerable savings when transferring larger amounts.
Higher fees and longer transfer times for certain currencies persist: Some currencies like Uruguayan Peso (UYU)and Moroccan Dirham (MAD) still have higher fees (2.41% and 2.26% respectively) and longer transfer times (72 hours), indicating that local banking costs and regulatory requirements impact these destinations.

Overview of Wise transfer fees from Liechtenstein

Amount	1,000 CHF	100,000 CHF
Average Markup	0%	0%
Average Transfer Fee	8.58	376.73
Average Transfer Time	32:46:50	39:25:43
Average Fee %	0.86%	0.38%

Breakdown of the transfer fees

Sending 1,000 CHF from Liechtenstein

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	5.95 CHF	4.26584	24:00:00	0.60%
AUD	3.76 CHF	1.7281	24:00:00	0.38%
BDT	10.62 CHF	138.784	24:00:00	1.06%
BGN	5.02 CHF	2.08159	24:00:00	0.50%
BRL	9.61 CHF	6.55194	24:00:00	0.96%
CAD	3.75 CHF	1.6038	48:00:00	0.38%
CLP	8.27 CHF	1087.83	72:00:00	0.83%
CNY	10.79 CHF	8.26433	24:00:00	1.08%
COP	21.88 CHF	4934.13	24:00:00	2.19%
CRC	19.62 CHF	597.671	48:00:00	1.96%
CZK	4.63 CHF	26.8518	24:00:00	0.46%
DKK	3.93 CHF	7.94049	24:00:00	0.39%
EGP	15.85 CHF	56.3874	24:00:00	1.59%
GEL	14.77 CHF	3.17055	24:00:00	1.48%
HKD	4.04 CHF	9.02114	24:00:00	0.40%
HUF	7.87 CHF	425.915	24:00:00	0.79%
IDR	5.37 CHF	18094.2	24:00:00	0.54%
ILS	7 CHF	4.3613	72:00:00	0.70%
JPY	5.45 CHF	173.271	24:00:00	0.55%
KES	11.51 CHF	149.817	24:00:00	1.15%
KRW	6.88 CHF	1579.25	24:00:00	0.69%
LKR	6.99 CHF	340.317	24:00:00	0.70%
MAD	22.57 CHF	11.4134	72:00:00	2.26%
MXN	6.32 CHF	22.7885	24:00:00	0.63%
MYR	4.28 CHF	5.00668	24:00:00	0.43%
NOK	4.08 CHF	12.5423	72:00:00	0.41%
NPR	6.11 CHF	156.156	24:00:00	0.61%
NZD	3.9 CHF	1.9053	48:00:00	0.39%
PHP	6.7 CHF	67.0487	24:00:00	0.67%
PKR	6.6 CHF	322.862	24:00:00	0.66%
PLN	4.4 CHF	4.56883	48:00:00	0.44%
RON	4.52 CHF	5.29569	48:00:00	0.45%
SEK	4.32 CHF	12.0365	24:00:00	0.43%
SGD	4.21 CHF	1.51913	24:00:00	0.42%
THB	6.83 CHF	38.6528	24:00:00	0.68%
TRY	6.93 CHF	39.7569	24:00:00	0.69%
TZS	13.17 CHF	3161.31	24:00:00	1.32%
UGX	7.34 CHF	4260.81	24:00:00	0.73%
UYU	24.05 CHF	48.1415	72:00:00	2.41%
VND	8.83 CHF	28953.3	24:00:00	0.88%
ZAR	13.2 CHF	20.4505	24:00:00	1.32%

Sending 100,000 CHF from Liechtenstein

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	175.77 CHF	4.26584	24:00:00	0.18%
AUD	143.88 CHF	1.73132	24:00:00	0.14%
BGN	243.91 CHF	2.08321	24:00:00	0.24%
CAD	143.87 CHF	1.60403	48:00:00	0.14%
CLP	473.86 CHF	1089.7	72:00:00	0.47%
CRC	1182.39 CHF	597.84	48:00:00	1.18%
CZK	213.84 CHF	26.8693	24:00:00	0.21%
DKK	144.05 CHF	7.94902	24:00:00	0.14%
GEL	1196.5 CHF	3.16857	48:00:00	1.20%
HKD	183.63 CHF	9.02125	24:00:00	0.18%
HUF	600.35 CHF	426.385	24:00:00	0.60%
IDR	323.11 CHF	18094.2	24:00:00	0.32%
ILS	315.07 CHF	4.37239	72:00:00	0.32%
JPY	224.47 CHF	173.016	48:00:00	0.22%
KES	870.72 CHF	149.817	48:00:00	0.87%
KRW	423.26 CHF	1581.86	24:00:00	0.42%
MYR	233.28 CHF	5.00552	24:00:00	0.23%
NOK	144.2 CHF	12.5625	72:00:00	0.14%
NZD	153.89 CHF	1.90548	48:00:00	0.15%
PHP	432.58 CHF	67.0718	48:00:00	0.43%
PKR	412.62 CHF	322.787	24:00:00	0.41%
PLN	213.57 CHF	4.57477	48:00:00	0.21%
RON	203.96 CHF	5.30024	48:00:00	0.20%
SEK	164.18 CHF	12.0454	24:00:00	0.16%
SGD	164.07 CHF	1.51948	24:00:00	0.16%
TRY	156.92 CHF	39.7506	48:00:00	0.16%
UYU	990.9 CHF	48.389	72:00:00	0.99%
ZAR	419.64 CHF	20.4824	24:00:00	0.42%

Malaysia

Exceptionally high fees for transfers to Uruguayan Peso (UYU): Transferring 1,000 MYR to UYU incurs a high fee of 7.56%, making it particularly costly compared to other destinations.
Lowest fees for transfers to Ukrainian Hryvnia (UAH): Sending 1,000 MYR to UAH has the lowest fee percentage at 0.91%, indicating cost-effectiveness for this corridor.
Moderate fees and consistent transfer times for most destinations: Fees typically range between 1.10% and 4.75%with most transfers completed within 24 hours, providing predictability for users.

Overview of Wise transfer fees from Malaysia

Amount	1,000 MYR
Average Markup	0%
Average Transfer Fee	20.79
Average Transfer Time	31:36:35
Average Fee %	2.08%

Breakdown of the transfer fees

Sending 1,000 MYR from Malaysia

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	21.06 MYR	0.85203	24:00:00	2.11%
AUD	10.96 MYR	0.345263	24:00:00	1.10%
BDT	27.78 MYR	27.7198	24:00:00	2.78%
BGN	13.71 MYR	0.416006	24:00:00	1.37%
BRL	15.67 MYR	1.3089	24:00:00	1.57%
CAD	11.34 MYR	0.320239	48:00:00	1.13%
CHF	14.06 MYR	0.199756	24:00:00	1.41%
CLP	20.95 MYR	217.363	72:00:00	2.10%
CNY	30.61 MYR	1.6509	24:00:00	3.06%
COP	34.2 MYR	984.563	24:00:00	3.42%
CRC	47.45 MYR	119.375	48:00:00	4.75%
CZK	12.46 MYR	5.36558	24:00:00	1.25%
DKK	11.81 MYR	1.58699	24:00:00	1.18%
EGP	46.44 MYR	11.2626	24:00:00	4.64%
GEL	24.54 MYR	0.632869	24:00:00	2.45%
HKD	11.04 MYR	1.80177	24:00:00	1.10%
HUF	13.68 MYR	85.136	24:00:00	1.37%
IDR	12.18 MYR	3614.01	24:00:00	1.22%
JPY	15.05 MYR	34.6335	24:00:00	1.51%
KES	21.22 MYR	29.9235	24:00:00	2.12%
KRW	15.64 MYR	315.521	24:00:00	1.56%
LKR	19.17 MYR	67.9726	24:00:00	1.92%
MAD	41.32 MYR	2.28072	72:00:00	4.13%
MXN	12.95 MYR	4.55131	24:00:00	1.30%
NOK	11.82 MYR	2.5046	72:00:00	1.18%
NPR	15.66 MYR	31.1895	24:00:00	1.57%
NZD	11.19 MYR	0.380488	48:00:00	1.12%
PHP	14.42 MYR	13.3995	24:00:00	1.44%
PKR	14.72 MYR	64.4862	24:00:00	1.47%
PLN	11.81 MYR	0.913257	48:00:00	1.18%
RON	12.23 MYR	1.05848	48:00:00	1.22%
SEK	12.35 MYR	2.40313	24:00:00	1.24%
SGD	12.58 MYR	0.303549	24:00:00	1.26%
THB	15.77 MYR	7.71979	24:00:00	1.58%
TRY	27.44 MYR	7.94342	24:00:00	2.74%
TZS	22.5 MYR	631.42	24:00:00	2.25%
UAH	9.07 MYR	9.51055	24:00:00	0.91%
UGX	16.42 MYR	850.724	24:00:00	1.64%
UYU	75.57 MYR	9.61545	72:00:00	7.56%
VND	18.5 MYR	5782.93	24:00:00	1.85%
ZAR	45.15 MYR	4.08151	24:00:00	4.52%

New Zealand

Consistently low fees for small transfers from NZD: Transferring 1,000 NZD incurs low fees, mostly below 1%, such as 0.32% for UAH and 0.36% for AUD, making small transfers cost-effective.
Minimal fee reductions for larger transfer amounts: Increasing the amount to 100,000 NZD results in only slight fee decreases, indicating minimal economies of scale.
Rapid transfer times for many currencies: Several transfers complete in approximately 9 hours, including to CNY, HKD, KRW, and SGD, offering faster delivery compared to previous data.

Overview of Wise transfer fees from New Zealand

Amount	1,000 NZD	100,000 NZD
Average Markup	0%	0%
Average Transfer Fee	9.19	418.95
Average Transfer Time	27:03:29	36:33:16
Average Fee %	0.92%	0.42%

Breakdown of the transfer fees

Sending 1,000 NZD from New Zealand

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	6.95 NZD	2.23967	24:00:00	0.70%
AUD	3.57 NZD	0.907312	24:00:00	0.36%
BDT	11.81 NZD	72.8771	24:00:00	1.18%
BGN	5.18 NZD	1.09364	24:00:00	0.52%
BRL	9.29 NZD	3.43849	24:00:00	0.93%
CAD	3.66 NZD	0.841684	48:00:00	0.37%
CHF	4.35 NZD	0.525172	24:00:00	0.44%
CLP	9.15 NZD	570.975	72:00:00	0.92%
CNY	13.62 NZD	4.34045	9:09:23	1.36%
COP	22.68 NZD	2587.52	9:09:21	2.27%
CRC	22.25 NZD	313.844	48:00:00	2.23%
CZK	4.49 NZD	14.1054	24:00:00	0.45%
DKK	3.84 NZD	4.17206	24:00:00	0.38%
EGP	18.88 NZD	29.6168	24:00:00	1.89%
GEL	15.11 NZD	1.6644	24:00:00	1.51%
HKD	3.83 NZD	4.73856	9:09:02	0.38%
HUF	7.51 NZD	223.803	9:09:00	0.75%
IDR	5.17 NZD	9504.58	24:00:00	0.52%
ILS	8.03 NZD	2.2894	72:00:00	0.80%
JPY	5.79 NZD	91.0225	24:00:00	0.58%
KES	11.82 NZD	78.6965	24:00:00	1.18%
KRW	6.99 NZD	829.833	9:11:49	0.70%
LKR	7.49 NZD	178.763	9:08:47	0.75%
MAD	24.47 NZD	5.99731	72:00:00	2.45%
MXN	6.09 NZD	11.9591	9:08:42	0.61%
MYR	3.99 NZD	2.62993	9:08:40	0.40%
NOK	4.07 NZD	6.5825	72:00:00	0.41%
NPR	6.25 NZD	82.0261	24:00:00	0.63%
PHP	6.64 NZD	35.2214	9:28:29	0.66%
PKR	6.62 NZD	169.594	9:08:27	0.66%
PLN	4.27 NZD	2.40064	48:00:00	0.43%
RON	4.43 NZD	2.78284	48:00:00	0.44%
SEK	4.3 NZD	6.31725	24:00:00	0.43%
SGD	4.17 NZD	0.798037	9:08:19	0.42%
THB	6.97 NZD	20.2893	9:08:16	0.70%
TRY	12.69 NZD	20.8871	9:09:14	1.27%
TZS	13.11 NZD	1660.86	24:00:00	1.31%
UAH	3.19 NZD	25.0162	24:00:00	0.32%
UGX	7.34 NZD	2237.71	24:00:00	0.73%
UYU	29.93 NZD	25.2921	72:00:00	2.99%
VND	9.13 NZD	15211.2	9:09:03	0.91%
ZAR	17.03 NZD	10.728	24:00:00	1.70%

Sending 100,000 NZD from New Zealand

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	207.06 NZD	2.23563	24:00:00	0.21%
AUD	173.97 NZD	0.907282	24:00:00	0.17%
BGN	274.32 NZD	1.09171	24:00:00	0.27%
CAD	174.06 NZD	0.839907	48:00:00	0.17%
CHF	174.75 NZD	0.524504	24:00:00	0.17%
CLP	504.89 NZD	570.399	72:00:00	0.50%
CRC	1214.98 NZD	313.315	48:00:00	1.21%
CZK	243.95 NZD	14.0813	24:00:00	0.24%
DKK	174.24 NZD	4.16493	24:00:00	0.17%
EGP	710.65 NZD	29.5486	24:00:00	0.71%
GEL	1226.72 NZD	1.66213	48:00:00	1.23%
HKD	213.69 NZD	4.72719	8:19:27	0.21%
HUF	630.04 NZD	223.23	24:00:00	0.63%
IDR	353.25 NZD	9481.21	24:00:00	0.35%
ILS	346.36 NZD	2.28629	72:00:00	0.35%
JPY	255.07 NZD	90.7957	48:00:00	0.26%
KES	901.14 NZD	78.503	48:00:00	0.90%
KRW	453.56 NZD	829.009	24:00:00	0.45%
MXN	452.67 NZD	11.9349	24:00:00	0.45%
MYR	263.25 NZD	2.62346	24:00:00	0.26%
NOK	174.48 NZD	6.58256	72:00:00	0.17%
PHP	462.67 NZD	35.1612	48:00:00	0.46%
PKR	442.78 NZD	169.177	24:00:00	0.44%
PLN	243.7 NZD	2.3954	48:00:00	0.24%
RON	234.15 NZD	2.77726	48:00:00	0.23%
SEK	194.44 NZD	6.3173	24:00:00	0.19%
SGD	194.31 NZD	0.796501	8:18:44	0.19%
TRY	192.95 NZD	20.828	48:00:00	0.19%
UYU	1026.76 NZD	25.2178	72:00:00	1.03%
ZAR	453.64 NZD	10.7262	24:00:00	0.45%

Norway

Exceptionally high fees for small transfers to certain currencies: Sending 1,000 NOK incurs high fees like 12.30%to UYU and 7.86% to ZAR, making small transfers to these destinations costly.
Prolonged transfer times for specific currencies: Transfers to currencies like CLP, CRC, ILS, and MAD can take between 120 to 144 hours, significantly longer than typical transfer times.
Low fees for transfers to MYR and UAH: Transferring 1,000 NOK to MYR and UAH has low fees of 0.94% and 0.69% respectively, indicating cost-effectiveness for these destinations.

Overview of Wise transfer fees from Norway

Amount	100,000 NOK
Average Markup	0%
Average Transfer Fee	729.54
Average Transfer Time	57:10:35
Average Fee %	0.73%

Breakdown of the transfer fees

Sending 100,000 NOK from Norway

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	463.93 NOK	0.339586	48:00:00	0.46%
AUD	415.31 NOK	0.137788	48:00:00	0.42%
BGN	519.1 NOK	0.165821	48:00:00	0.52%
BRL	1037.76 NOK	0.521624	24:00:00	1.04%
CAD	415.76 NOK	0.127588	48:00:00	0.42%
CHF	419.69 NOK	0.0796711	48:00:00	0.42%
CLP	758.14 NOK	86.6738	144:00:00	0.76%
CRC	1493.48 NOK	47.5899	120:00:00	1.49%
CZK	485.8 NOK	2.13901	48:00:00	0.49%
DKK	416.83 NOK	0.632662	48:00:00	0.42%
EGP	998.49 NOK	4.48832	48:00:00	1.00%
GEL	1471.01 NOK	0.252468	48:00:00	1.47%
HKD	454.06 NOK	0.718133	24:00:00	0.45%
HUF	866.32 NOK	33.9194	24:00:00	0.87%
IDR	593.37 NOK	1440.38	48:00:00	0.59%
ILS	602.13 NOK	0.34742	144:00:00	0.60%
JPY	503.24 NOK	13.7941	72:00:00	0.50%
KES	1146.76 NOK	11.9261	72:00:00	1.15%
KRW	697.44 NOK	125.942	24:00:00	0.70%
MAD	2054.09 NOK	0.90895	144:00:00	2.05%
MXN	691.93 NOK	1.81392	24:00:00	0.69%
MYR	502.17 NOK	0.398544	24:00:00	0.50%
NZD	425.58 NOK	0.151894	48:00:00	0.43%
PHP	703.99 NOK	5.34282	72:00:00	0.70%
PKR	684.92 NOK	25.7006	48:00:00	0.68%
PLN	484.85 NOK	0.363959	72:00:00	0.48%
RON	476.6 NOK	0.421954	72:00:00	0.48%
SEK	438.13 NOK	0.959773	48:00:00	0.44%
SGD	437.37 NOK	0.121013	24:00:00	0.44%
THB	687.86 NOK	3.07814	48:00:00	0.69%
TRY	479.83 NOK	3.16471	48:00:00	0.48%
UYU	1351.6 NOK	3.83171	72:00:00	1.35%
VND	878.73 NOK	2305.19	24:00:00	0.88%
ZAR	748.21 NOK	1.62919	48:00:00	0.75%

Poland

Narrow fee percentage range for small transfers from PLN: Fees for transferring 1,000 PLN are relatively uniform, mostly between 1% and 3%, providing predictable costs.
Significant economies of scale for large transfers to certain currencies: Increasing the amount to 100,000 PLN sees fees drop substantially, e.g., from 1.06% to 0.63% for AUD, highlighting considerable savings for larger amounts.
Persistently higher fees for specific currencies despite larger amounts: Currencies like UYU and MAD maintain higher fees (1.51% and 2.25% respectively) even for large transfers.

Overview of Wise transfer fees from Poland

Amount	1,000 PLN	100,000 PLN
Average Markup	0%	0%
Average Transfer Fee	19.68	929.95
Average Transfer Time	33:08:34	39:16:22
Average Fee %	1.97%	0.93%

Breakdown of the transfer fees

Sending 1,000 PLN from Poland

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	20.16 PLN	0.933479	24:00:00	2.02%
AUD	10.56 PLN	0.377874	24:00:00	1.06%
BDT	26.31 PLN	30.3673	48:00:00	2.63%
BGN	13.03 PLN	0.455697	24:00:00	1.30%
BRL	15.14 PLN	1.43378	24:00:00	1.51%
CAD	10.75 PLN	0.350649	48:00:00	1.08%
CHF	13.02 PLN	0.21878	24:00:00	1.30%
CLP	19.59 PLN	238.036	72:00:00	1.96%
CNY	28.58 PLN	1.80877	24:00:00	2.86%
COP	33.07 PLN	1078.16	24:00:00	3.31%
CRC	41.52 PLN	130.786	48:00:00	4.15%
CZK	11.7 PLN	5.8743	24:00:00	1.17%
DKK	11.15 PLN	1.73815	24:00:00	1.12%
EGP	44.13 PLN	12.3382	24:00:00	4.41%
GEL	23.67 PLN	0.693368	24:00:00	2.37%
HKD	10.5 PLN	1.97369	24:00:00	1.05%
HUF	13.18 PLN	93.2223	24:00:00	1.32%
IDR	11.65 PLN	3958.84	24:00:00	1.17%
ILS	19.78 PLN	0.953729	72:00:00	1.98%
JPY	14.75 PLN	37.9128	48:00:00	1.48%
KES	20.35 PLN	32.7786	24:00:00	2.04%
KRW	14.97 PLN	345.674	24:00:00	1.50%
LKR	14.42 PLN	74.4581	24:00:00	1.44%
MAD	39.58 PLN	2.49797	72:00:00	3.96%
MXN	12.42 PLN	4.9906	24:00:00	1.24%
MYR	9.86 PLN	1.09541	24:00:00	0.99%
NOK	11.65 PLN	2.74172	72:00:00	1.17%
NPR	14.7 PLN	34.1654	24:00:00	1.47%
NZD	10.75 PLN	0.416587	48:00:00	1.08%
PHP	13.83 PLN	14.6701	24:00:00	1.38%
PKR	14.1 PLN	70.6391	24:00:00	1.41%
RON	11.59 PLN	1.15916	48:00:00	1.16%
SEK	12.01 PLN	2.63155	24:00:00	1.20%
SGD	11.89 PLN	0.33241	24:00:00	1.19%
THB	15.11 PLN	8.45153	24:00:00	1.51%
TRY	33.21 PLN	8.70125	24:00:00	3.32%
TZS	22.04 PLN	691.666	24:00:00	2.20%
UAH	8.61 PLN	10.418	24:00:00	0.86%
UGX	15.92 PLN	931.894	24:00:00	1.59%
UYU	64.67 PLN	10.5329	72:00:00	6.47%
VND	17.64 PLN	6334.7	24:00:00	1.76%
ZAR	44.94 PLN	4.47054	24:00:00	4.49%

Sending 100,000 PLN from Poland

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	670.08 PLN	0.933076	24:00:00	0.67%
AUD	630.71 PLN	0.378753	24:00:00	0.63%
BGN	731.39 PLN	0.455653	24:00:00	0.73%
BRL	1253.46 PLN	1.4337	24:00:00	1.25%
CAD	630.89 PLN	0.350586	48:00:00	0.63%
CHF	633.17 PLN	0.218882	24:00:00	0.63%
CLP	963.19 PLN	238.013	72:00:00	0.96%
CRC	1679.2 PLN	130.767	48:00:00	1.68%
CZK	700.4 PLN	5.8777	24:00:00	0.70%
DKK	631.3 PLN	1.73838	24:00:00	0.63%
EGP	1182.14 PLN	12.3331	48:00:00	1.18%
GEL	1679.27 PLN	0.693717	24:00:00	1.68%
HKD	669.77 PLN	1.97329	24:00:00	0.67%
HUF	1081.84 PLN	93.2	24:00:00	1.08%
IDR	808.75 PLN	3957.78	24:00:00	0.81%
ILS	807.19 PLN	0.954132	72:00:00	0.81%
JPY	713.09 PLN	37.8952	48:00:00	0.71%
KES	1356.34 PLN	32.7632	48:00:00	1.36%
KRW	909.73 PLN	346.014	24:00:00	0.91%
MAD	2248.91 PLN	2.49702	72:00:00	2.25%
MXN	907.18 PLN	4.98241	24:00:00	0.91%
MYR	718.33 PLN	1.0949	24:00:00	0.72%
NOK	631.8 PLN	2.74826	72:00:00	0.63%
NZD	640.67 PLN	0.417349	48:00:00	0.64%
PHP	917.49 PLN	14.6732	48:00:00	0.92%
PKR	897.83 PLN	70.6059	24:00:00	0.90%
RON	690.86 PLN	1.15924	48:00:00	0.69%
SEK	651.72 PLN	2.63667	24:00:00	0.65%
SGD	651.6 PLN	0.332444	24:00:00	0.65%
THB	899.86 PLN	8.45429	48:00:00	0.90%
TRY	663.14 PLN	8.69285	72:00:00	0.66%
UYU	1507.31 PLN	10.5246	72:00:00	1.51%
ZAR	929.69 PLN	4.47794	24:00:00	0.93%

Romania

Exceptionally high fees for small transfers to UYU and ZAR: Sending 1,000 RON to UYU incurs a fee of 7.18%, and to ZAR, 4.74%, indicating higher costs for these destinations.
Significant fee reductions for larger transfers to high-fee destinations: At 100,000 RON, fees drop to 1.60% for UYU and 1.02% for ZAR, showing benefits of economies of scale.
Consistently low fees and quick transfer times for most currencies: Fees typically range between 1% and 3%, with most transfers completed within 24 hours, ensuring efficient service.

Overview of Wise transfer fees from Romania

Amount	1,000 RON	100,000 RON
Average Markup	0%	0%
Average Transfer Fee	22.20	1019.82
Average Transfer Time	33:08:34	39:16:22
Average Fee %	2.22%	1.02%

Breakdown of the transfer fees

Sending 1,000 RON from Romania

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	22.21 RON	0.805173	24:00:00	2.22%
AUD	12.73 RON	0.326157	24:00:00	1.27%
BDT	28.69 RON	26.1954	48:00:00	2.87%
BGN	15.46 RON	0.393076	24:00:00	1.55%
BRL	17.44 RON	1.23738	24:00:00	1.74%
CAD	12.94 RON	0.302627	48:00:00	1.29%
CHF	14.85 RON	0.188769	24:00:00	1.49%
CLP	22.6 RON	205.382	72:00:00	2.26%
CNY	33.46 RON	1.56017	24:00:00	3.35%
COP	35.65 RON	930.162	24:00:00	3.57%
CRC	46.54 RON	112.811	48:00:00	4.65%
CZK	13.94 RON	5.06742	24:00:00	1.39%
DKK	13.45 RON	1.4994	24:00:00	1.35%
EGP	46.29 RON	10.6431	24:00:00	4.63%
GEL	26.13 RON	0.59807	24:00:00	2.61%
HKD	12.67 RON	1.7027	24:00:00	1.27%
HUF	15.46 RON	80.4224	24:00:00	1.55%
IDR	14.01 RON	3415.29	24:00:00	1.40%
ILS	22.51 RON	0.823125	72:00:00	2.25%
JPY	17.69 RON	32.7053	48:00:00	1.77%
KES	22.83 RON	28.275	24:00:00	2.28%
KRW	17.47 RON	298.211	24:00:00	1.75%
LKR	20.47 RON	64.228	24:00:00	2.05%
MAD	42.47 RON	2.15484	72:00:00	4.25%
MXN	14.78 RON	4.30292	24:00:00	1.48%
MYR	12.21 RON	0.944875	24:00:00	1.22%
NOK	14.09 RON	2.36599	72:00:00	1.41%
NPR	17.15 RON	29.4745	24:00:00	1.72%
NZD	13 RON	0.35938	48:00:00	1.30%
PHP	16.26 RON	12.6525	24:00:00	1.63%
PKR	16.56 RON	60.9315	24:00:00	1.66%
PLN	13.5 RON	0.862804	48:00:00	1.35%
SEK	14.36 RON	2.27057	24:00:00	1.44%
SGD	14 RON	0.28675	24:00:00	1.40%
THB	17.62 RON	7.29045	24:00:00	1.76%
TRY	28.89 RON	7.50514	24:00:00	2.89%
TZS	24.02 RON	596.635	24:00:00	2.40%
UAH	10.89 RON	8.98629	24:00:00	1.09%
UGX	17.96 RON	803.857	24:00:00	1.80%
UYU	71.81 RON	9.08573	72:00:00	7.18%
VND	20.12 RON	5464.35	24:00:00	2.01%
ZAR	47.39 RON	3.85778	24:00:00	4.74%

Sending 100,000 RON from Romania

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	759.73 RON	0.804767	24:00:00	0.76%
AUD	720.43 RON	0.326635	24:00:00	0.72%
BGN	821.27 RON	0.393004	24:00:00	0.82%
BRL	1343.11 RON	1.23722	24:00:00	1.34%
CAD	720.64 RON	0.30241	48:00:00	0.72%
CHF	722.56 RON	0.18878	24:00:00	0.72%
CLP	1053.31 RON	205.331	72:00:00	1.05%
CRC	1770.81 RON	112.781	48:00:00	1.77%
CZK	790.07 RON	5.06953	24:00:00	0.79%
DKK	721.16 RON	1.49936	24:00:00	0.72%
EGP	1270.95 RON	10.6372	48:00:00	1.27%
GEL	1767.97 RON	0.598302	24:00:00	1.77%
HKD	759.4 RON	1.70194	24:00:00	0.76%
HUF	1170.7 RON	80.3852	24:00:00	1.17%
IDR	898.51 RON	3413.43	24:00:00	0.90%
ILS	897.38 RON	0.823269	72:00:00	0.90%
JPY	803.4 RON	32.6893	48:00:00	0.80%
KES	1445.82 RON	28.2626	48:00:00	1.45%
KRW	999.42 RON	298.482	24:00:00	1.00%
MAD	2337.64 RON	2.15412	72:00:00	2.34%
MXN	996.73 RON	4.29863	24:00:00	1.00%
MYR	808.12 RON	0.944769	24:00:00	0.81%
NOK	721.79 RON	2.37042	72:00:00	0.72%
NZD	730.46 RON	0.359933	48:00:00	0.73%
PHP	1006.91 RON	12.6667	48:00:00	1.01%
PKR	987.24 RON	60.9246	24:00:00	0.99%
PLN	789.47 RON	0.862646	48:00:00	0.79%
SEK	741.58 RON	2.27404	24:00:00	0.74%
SGD	741.22 RON	0.286785	24:00:00	0.74%
THB	989.53 RON	7.29108	48:00:00	0.99%
TRY	746.35 RON	7.50071	72:00:00	0.75%
UYU	1601.15 RON	9.08121	72:00:00	1.60%
ZAR	1019.3 RON	3.86147	24:00:00	1.02%

Singapore

Significant variation in fee percentages across destinations: For a 1,000 SGD transfer, fees range from 0.36% for destinations like AUD and CAD to 2.84% for UYU, indicating costs are highly dependent on the destination.
Decreasing fee percentages for larger amounts, but inconsistently: Larger transfers generally lead to lower fees, but reductions vary, e.g., AUD drops from 0.36% to 0.16%, while UYU only decreases from 2.84% to 1.01%.
Wide variation in transfer times unrelated to fees: Transfer times range from instant to 72 hours without a clear correlation to fees; for example, a 1,000 SGD transfer to HKD takes 1 second with a fee of 0.38%, while CLP takes 72 hours with a fee of 0.87%.

Overview of Wise transfer fees from COUNTRY

Amount	1,000 SGD	100,000 SGD
Average Markup	0%	0%
Average Transfer Fee	8.96	399.73
Average Transfer Time	22:05:59	35:12:00
Average Fee %	0.90%	0.40%

Breakdown of the transfer fees

Sending 1,000 SGD from Singapore

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	6.7 SGD	2.80743	24:00:00	0.67%
AUD	3.56 SGD	1.13747	24:00:00	0.36%
BDT	11.44 SGD	91.3364	24:00:00	1.14%
BGN	4.97 SGD	1.37077	24:00:00	0.50%
BRL	9.27 SGD	4.31165	2:32:14	0.93%
CAD	3.58 SGD	1.05541	24:00:00	0.36%
CHF	4.25 SGD	0.658248	24:00:00	0.43%
CLP	8.68 SGD	715.865	72:00:00	0.87%
CNY	12.25 SGD	5.43987	8:37:03	1.23%
COP	22.23 SGD	3244.43	5:32:01	2.22%
CRC	21.5 SGD	393.39	48:00:00	2.15%
CZK	4.44 SGD	17.6742	24:00:00	0.44%
DKK	3.78 SGD	5.22859	24:00:00	0.38%
EGP	18.07 SGD	37.1037	24:00:00	1.81%
GEL	14.84 SGD	2.08498	24:00:00	1.48%
HKD	3.8 SGD	5.936	0:00:01	0.38%
HUF	7.5 SGD	280.433	0:00:01	0.75%
IDR	5.12 SGD	11906.3	24:00:00	0.51%
ILS	7.51 SGD	2.87272	72:00:00	0.75%
JPY	5.71 SGD	114.064	24:00:00	0.57%
KES	11.56 SGD	98.5824	0:30:00	1.16%
KRW	6.85 SGD	1040.03	0:03:00	0.69%
LKR	7.3 SGD	223.935	0:00:00	0.73%
MAD	23.6 SGD	7.51217	72:00:00	2.36%
MXN	6.05 SGD	15.0051	0:00:01	0.61%
MYR	3.95 SGD	3.29449	0:00:00	0.40%
NOK	4 SGD	8.25318	72:00:00	0.40%
NPR	6.14 SGD	102.753	0:30:00	0.61%
NZD	3.7 SGD	1.25331	24:00:00	0.37%
PHP	6.56 SGD	44.1425	0:19:00	0.66%
PKR	6.51 SGD	212.465	0:00:01	0.65%
PLN	4.2 SGD	3.00845	48:00:00	0.42%
RON	4.37 SGD	3.48713	48:00:00	0.44%
SEK	4.22 SGD	7.91761	24:00:00	0.42%
THB	6.83 SGD	25.4278	0:00:01	0.68%
TRY	8.33 SGD	26.1692	0:01:00	0.83%
TZS	13.11 SGD	2080.36	24:00:00	1.31%
UGX	7.27 SGD	2802.71	24:00:00	0.73%
UYU	28.35 SGD	31.6804	48:00:00	2.84%
VND	8.86 SGD	19053.2	0:01:00	0.89%
ZAR	16.24 SGD	13.4576	24:00:00	1.62%

Sending 100,000 SGD from Singapore

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	188.24 SGD	2.80679	24:00:00	0.19%
AUD	155.41 SGD	1.13882	24:00:00	0.16%
BGN	255.58 SGD	1.37073	24:00:00	0.26%
CAD	155.43 SGD	1.05464	24:00:00	0.16%
CHF	156.09 SGD	0.658427	24:00:00	0.16%
CLP	485.96 SGD	716.215	72:00:00	0.49%
CRC	1195.88 SGD	393.345	48:00:00	1.20%
CZK	225.38 SGD	17.6761	24:00:00	0.23%
DKK	155.62 SGD	5.22817	24:00:00	0.16%
EGP	691.5 SGD	37.0977	24:00:00	0.69%
GEL	1208.21 SGD	2.08669	48:00:00	1.21%
HKD	195.11 SGD	5.93593	0:00:01	0.20%
HUF	611.69 SGD	280.311	24:00:00	0.61%
IDR	334.64 SGD	11904.9	24:00:00	0.33%
ILS	327.28 SGD	2.87468	72:00:00	0.33%
JPY	236.46 SGD	114.033	48:00:00	0.24%
KES	882.43 SGD	98.5711	48:00:00	0.88%
KRW	434.94 SGD	1041.05	24:00:00	0.43%
MXN	434.14 SGD	14.9899	0:00:01	0.43%
MYR	244.68 SGD	3.29411	24:00:00	0.24%
NOK	155.84 SGD	8.26477	72:00:00	0.16%
NZD	165.42 SGD	1.25502	24:00:00	0.17%
PHP	444.16 SGD	44.1531	48:00:00	0.44%
PKR	424.25 SGD	212.425	24:00:00	0.42%
PLN	225.1 SGD	3.00783	48:00:00	0.23%
RON	215.53 SGD	3.48699	48:00:00	0.22%
SEK	175.8 SGD	7.92695	24:00:00	0.18%
TRY	170.04 SGD	26.1534	48:00:00	0.17%
UYU	1006.81 SGD	31.6656	72:00:00	1.01%
ZAR	434.38 SGD	13.4656	24:00:00	0.43%

Sweden

Exceptionally high fees for small transfers to certain currencies: Transferring 1,000 SEK to UYU incurs a fee of 13.59%, and to ZAR, 8.32%, making small transfers to these countries expensive.
Significant fee reductions for larger transfers: Sending 100,000 SEK reduces fees substantially, e.g., UYU drops from 13.59% to 1.38%, making larger transfers more cost-effective.
Wide variability in fees for small transfers depending on destination: Fees range from 0.98% for UAH to 13.59%for UYU, emphasizing the importance of comparing fees before transferring.

Overview of Wise transfer fees from Sweden

Amount	100,000 SEK
Average Markup	0%
Average Transfer Fee	752.46
Average Transfer Time	37:24:42
Average Fee %	0.75%

Breakdown of the transfer fees

Sending 100,000 SEK from Sweden

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	487.07 SEK	0.353982	24:00:00	0.49%
AUD	438.22 SEK	0.14364	24:00:00	0.44%
BGN	541.86 SEK	0.172865	24:00:00	0.54%
BRL	1060.29 SEK	0.543883	24:00:00	1.06%
CAD	438.71 SEK	0.133	48:00:00	0.44%
CHF	442.92 SEK	0.0830442	24:00:00	0.44%
CLP	781.07 SEK	90.3275	72:00:00	0.78%
CRC	1520.72 SEK	49.615	48:00:00	1.52%
CZK	508.74 SEK	2.22934	24:00:00	0.51%
DKK	439.85 SEK	0.659386	24:00:00	0.44%
EGP	1025.3 SEK	4.67927	24:00:00	1.03%
GEL	1493.58 SEK	0.263207	24:00:00	1.49%
HKD	476.91 SEK	0.748716	24:00:00	0.48%
HUF	888.77 SEK	35.3513	24:00:00	0.89%
IDR	616.08 SEK	1501.64	24:00:00	0.62%
ILS	625.81 SEK	0.362568	72:00:00	0.63%
JPY	525.87 SEK	14.3818	48:00:00	0.53%
KES	1169.46 SEK	12.4334	48:00:00	1.17%
KRW	720.35 SEK	131.309	24:00:00	0.72%
MAD	2078.52 SEK	0.947447	72:00:00	2.08%
MXN	714.58 SEK	1.89056	24:00:00	0.71%
MYR	524.72 SEK	0.415506	24:00:00	0.52%
NOK	441.25 SEK	1.04243	72:00:00	0.44%
NZD	448.53 SEK	0.158283	48:00:00	0.45%
PHP	726.74 SEK	5.56851	48:00:00	0.73%
PKR	707.71 SEK	26.791	24:00:00	0.71%
PLN	507.63 SEK	0.379361	48:00:00	0.51%
RON	499.61 SEK	0.439771	48:00:00	0.50%
SGD	460.42 SEK	0.126115	24:00:00	0.46%
THB	710.78 SEK	3.20611	48:00:00	0.71%
TRY	503.43 SEK	3.29849	24:00:00	0.50%
UYU	1384 SEK	3.99352	72:00:00	1.38%
VND	901.75 SEK	2402.54	24:00:00	0.90%
ZAR	772.33 SEK	1.69813	24:00:00	0.77%

Turkey

Exceptionally high fees for small transfers from TRY: Transferring 1,000 TRY incurs very high fees ranging from 13.52% to 28.16%, making small transfers particularly costly.
Significant fee reductions for larger transfers, yet fees remain relatively high: For 100,000 TRY, fees decrease to 0.60% - 2.31%, but remain higher compared to large transfers from other countries.
Rapid transfer times for many currencies, including under 30 minutes: Transfers to currencies like HKD, HUF, LKR, and VND can be completed in as little as 24 to 26 minutes, offering quick delivery despite higher fees.

Overview of Wise transfer fees from Turkey

Amount	100,000 TRY
Average Markup	0%
Average Transfer Fee	964.69
Average Transfer Time	35:07:19
Average Fee %	0.96%

Breakdown of the transfer fees

Sending 100,000 TRY from Turkey

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	649.16 TRY	0.10732	24:00:00	0.65%
AUD	595.57 TRY	0.0435339	24:00:00	0.60%
BDT	1028.72 TRY	3.49153	48:00:00	1.03%
BGN	704.09 TRY	0.0524109	24:00:00	0.70%
BRL	1215.96 TRY	0.16492	24:00:00	1.22%
CAD	596.63 TRY	0.040325	48:00:00	0.60%
CHF	603.88 TRY	0.0251755	24:00:00	0.60%
CLP	940.94 TRY	27.3889	72:00:00	0.94%
CNY	1128.07 TRY	0.208015	24:00:00	1.13%
COP	2314.64 TRY	124.022	24:00:00	2.31%
CRC	1692.33 TRY	15.0405	48:00:00	1.69%
CZK	666.72 TRY	0.675797	24:00:00	0.67%
DKK	597.98 TRY	0.199888	24:00:00	0.60%
EGP	1224.18 TRY	1.41842	24:00:00	1.22%
GEL	1657.03 TRY	0.079789	24:00:00	1.66%
HKD	633.73 TRY	0.226976	24:00:00	0.63%
HUF	1043.64 TRY	10.7191	24:00:00	1.04%
IDR	773.12 TRY	455.211	24:00:00	0.77%
ILS	798.87 TRY	0.109981	72:00:00	0.80%
JPY	687.71 TRY	4.36	48:00:00	0.69%
KES	1319.5 TRY	3.76908	24:00:00	1.32%
KRW	880.45 TRY	39.8079	24:00:00	0.88%
LKR	789.99 TRY	8.56164	24:00:00	0.79%
MAD	2252.83 TRY	0.287224	72:00:00	2.25%
MXN	871.18 TRY	0.573425	24:00:00	0.87%
MYR	681.76 TRY	0.125957	24:00:00	0.68%
NOK	599.59 TRY	0.316056	72:00:00	0.60%
NPR	771.77 TRY	3.92855	24:00:00	0.77%
NZD	606.09 TRY	0.0479882	48:00:00	0.61%
PHP	885.06 TRY	1.68825	48:00:00	0.89%
PKR	866.69 TRY	8.1225	24:00:00	0.87%
PLN	665.48 TRY	0.115012	48:00:00	0.67%
RON	657.24 TRY	0.13333	48:00:00	0.66%
SEK	620.23 TRY	0.303151	24:00:00	0.62%
SGD	618.95 TRY	0.0382386	24:00:00	0.62%
THB	871.18 TRY	0.972305	48:00:00	0.87%
TZS	1524.45 TRY	79.5319	24:00:00	1.52%
UGX	949.39 TRY	107.166	24:00:00	0.95%
UYU	1555.67 TRY	1.21078	72:00:00	1.56%
VND	1063.12 TRY	728.402	24:00:00	1.06%
ZAR	948.63 TRY	0.515057	24:00:00	0.95%

United Kingdom

Persistent high fees for specific destinations despite larger amounts: Sending £1,000 to UYU incurs a fee of 2.21%, decreasing only to 1.08% for £100,000, indicating limited fee reductions for larger transfers.
Regional disparities in transfer fees: Transfers to African countries like TZS and KES have higher fees (1.32% and 1.18% respectively) compared to European countries like DKK and NOK with fees around 0.42%.
Inconsistent fee reductions with larger transfer amounts: Fee reductions vary widely; transferring £100,000 to AUDreduces the fee from 0.40% to 0.24%, while KES only reduces from 1.18% to 0.97%.

Overview of Wise transfer fees from the UK

Amount	1,000 GBP	100,000 GBP
Average Markup	0%	0%
Average Transfer Fee	8.56	466.30
Average Transfer Time	21:36:28	42:00:00
Average Fee %	0.86%	0.47%

Breakdown of the transfer fees

Sending 1,000 GBP from the UK

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	5.86 GBP	4.80974	24:00:00	0.59%
AUD	4.02 GBP	1.94844	24:00:00	0.40%
BDT	10.2 GBP	156.479	24:00:00	1.02%
BGN	5.32 GBP	2.34709	24:00:00	0.53%
BRL	9.99 GBP	7.38306	2:56:01	1.00%
CAD	4.06 GBP	1.80855	24:00:00	0.41%
CHF	4.41 GBP	1.12768	0:34:41	0.44%
CLP	8.45 GBP	1227.18	72:00:00	0.85%
CNY	10.77 GBP	9.31811	9:00:50	1.08%
COP	22.07 GBP	5558.96	5:55:48	2.21%
CRC	18.87 GBP	673.876	48:00:00	1.89%
CZK	4.8 GBP	30.2821	24:00:00	0.48%
DKK	4.16 GBP	8.95535	24:00:00	0.42%
EGP	14.51 GBP	63.5745	24:00:00	1.45%
GEL	15.04 GBP	3.57257	24:00:00	1.50%
HKD	4.33 GBP	10.1707	0:00:00	0.43%
HUF	8.24 GBP	480.382	0:00:00	0.82%
IDR	5.7 GBP	20401.2	24:00:00	0.57%
ILS	7.15 GBP	4.91607	72:00:00	0.72%
JPY	5.55 GBP	195.442	24:00:00	0.56%
KES	11.78 GBP	168.919	0:29:44	1.18%
KRW	7.12 GBP	1780.72	0:03:00	0.71%
LKR	6.91 GBP	383.708	0:00:00	0.69%
MAD	22.59 GBP	12.8715	72:00:00	2.26%
MXN	6.65 GBP	25.7044	0:00:01	0.67%
MYR	4.65 GBP	5.64504	0:00:00	0.47%
NOK	4.28 GBP	14.1425	72:00:00	0.43%
NPR	6.22 GBP	176.066	0:30:00	0.62%
NZD	4.15 GBP	2.1477	24:00:00	0.42%
PHP	6.98 GBP	75.6341	24:00:00	0.70%
PKR	6.87 GBP	364.027	0:00:00	0.69%
PLN	4.7 GBP	5.15276	48:00:00	0.47%
RON	4.75 GBP	5.97245	48:00:00	0.48%
SEK	4.48 GBP	13.5744	24:00:00	0.45%
SGD	4.41 GBP	1.71322	0:00:01	0.44%
THB	7.06 GBP	43.5785	0:00:00	0.71%
TRY	8.65 GBP	44.8251	0:00:37	0.87%
TZS	13.21 GBP	3564.39	24:00:00	1.32%
UGX	7.4 GBP	4802.17	24:00:00	0.74%
UYU	22.11 GBP	54.2796	48:00:00	2.21%
VND	9.09 GBP	32644.9	0:01:00	0.91%
ZAR	12.15 GBP	23.0551	24:00:00	1.22%

Sending 100,000 GBP from the UK

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	271.8 GBP	4.80864	24:00:00	0.27%
AUD	240.23 GBP	1.94945	24:00:00	0.24%
BGN	340.2 GBP	2.34822	24:00:00	0.34%
CAD	240.27 GBP	1.80682	48:00:00	0.24%
CHF	240.62 GBP	1.12792	24:00:00	0.24%
CLP	569.75 GBP	1227.68	72:00:00	0.57%
CRC	1276.76 GBP	673.911	48:00:00	1.28%
CZK	310 GBP	30.2757	24:00:00	0.31%
DKK	240.37 GBP	8.9557	24:00:00	0.24%
GEL	1291.61 GBP	3.57175	48:00:00	1.29%
HKD	279.95 GBP	10.1689	24:00:00	0.28%
HUF	696.01 GBP	480.581	24:00:00	0.70%
ILS	411.18 GBP	4.92332	72:00:00	0.41%
JPY	320.52 GBP	195.266	48:00:00	0.32%
KES	966.46 GBP	168.88	48:00:00	0.97%
KRW	519.28 GBP	1782.76	48:00:00	0.52%
MYR	329.64 GBP	5.64461	48:00:00	0.33%
NOK	240.49 GBP	14.1456	72:00:00	0.24%
NZD	250.22 GBP	2.14788	48:00:00	0.25%
PHP	528.49 GBP	75.6533	48:00:00	0.53%
PKR	508.49 GBP	363.999	24:00:00	0.51%
PLN	309.84 GBP	5.15214	48:00:00	0.31%
RON	300.25 GBP	5.97292	48:00:00	0.30%
SEK	260.41 GBP	13.5728	24:00:00	0.26%
SGD	260.34 GBP	1.71296	24:00:00	0.26%
TRY	254.72 GBP	44.8166	72:00:00	0.25%
UYU	1084.18 GBP	54.2584	72:00:00	1.08%
ZAR	514.33 GBP	23.0542	24:00:00	0.51%

United States

Consistently low fees for small transfers from the US: Sending 1,000 USD incurs low fees often below 1%, e.g., 0.65% to AUD and 0.66% to DKK, making small transfers cost-effective.
Exceptionally fast transfer times for certain currencies: Transfers to currencies like HKD, HUF, THB, MYR, PKR, LKR, and VND are completed almost instantly, often within seconds to a minute.
Minimal fee reductions for larger transfers: Increasing the transfer amount to 100,000 USD results in only modest fee decreases, with fees dropping by only 0.2% to 0.4%, indicating minimal economies of scale due to already low fees.

Overview of Wise transfer fees from the US

Amount	1,000 USD	100,000 USD
Average Markup	0%	0%
Average Transfer Fee	11.21	448.02
Average Transfer Time	22:09:09	67:12:00
Average Fee %	1.12%	0.45%

Breakdown of the transfer fees

Sending 1,000 USD from the US

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	8.91 USD	3.6731	24:00:00	0.89%
AUD	6.5 USD	1.48976	24:00:00	0.65%
BDT	13.14 USD	119.5	24:00:00	1.31%
BGN	7.83 USD	1.7936	24:00:00	0.78%
BRL	12.36 USD	5.6444	2:26:44	1.24%
CAD	6.54 USD	1.38115	24:00:00	0.65%
CHF	7.06 USD	0.86075	24:00:00	0.71%
CLP	11.18 USD	936.795	72:00:00	1.12%
CNY	14.1 USD	7.11725	8:31:34	1.41%
COP	24.71 USD	4248.63	5:26:31	2.47%
CRC	21.48 USD	514.77	48:00:00	2.15%
CZK	7.3 USD	23.1271	24:00:00	0.73%
DKK	6.63 USD	6.84225	24:00:00	0.66%
EGP	18.18 USD	48.5487	24:00:00	1.82%
GEL	17.59 USD	2.7283	24:00:00	1.76%
HKD	6.79 USD	7.76755	0:00:01	0.68%
HUF	10.61 USD	366.98	0:00:00	1.06%
IDR	8.13 USD	15580	24:00:00	0.81%
ILS	9.88 USD	3.758	72:00:00	0.99%
JPY	8.06 USD	149.165	24:00:00	0.81%
KES	14.33 USD	129	0:29:12	1.43%
KRW	9.65 USD	1361.26	0:58:59	0.97%
LKR	8.75 USD	293.03	0:00:01	0.88%
MAD	25.53 USD	9.83045	72:00:00	2.55%
MXN	9.07 USD	19.6656	0:00:00	0.91%
MYR	7.05 USD	4.311	0:00:00	0.71%
NOK	6.74 USD	10.8104	72:00:00	0.67%
NPR	8.74 USD	134.458	0:30:00	0.87%
NZD	6.62 USD	1.64109	24:00:00	0.66%
PHP	9.46 USD	57.7743	24:00:00	0.95%
PKR	9.37 USD	278	0:00:01	0.94%
PLN	7.15 USD	3.9376	48:00:00	0.72%
RON	7.2 USD	4.56383	48:00:00	0.72%
SEK	6.98 USD	10.3637	24:00:00	0.70%
SGD	6.95 USD	1.30875	0:00:01	0.70%
THB	9.6 USD	33.2965	0:00:00	0.96%
TRY	11.72 USD	34.2403	0:00:51	1.17%
TZS	15.7 USD	2722.05	24:00:00	1.57%
UGX	9.88 USD	3667.21	24:00:00	0.99%
UYU	25.22 USD	41.4392	48:00:00	2.52%
VND	11.65 USD	24930.2	0:00:11	1.17%
ZAR	16.37 USD	17.637	24:00:00	1.64%

Sending 100,000 USD from the US

Destination	Fee	FX Rate	Transfer Time	Fee %
AED	245.19 USD	3.6731	48:00:00	0.25%
AUD	213.07 USD	1.4902	48:00:00	0.21%
BGN	313.1 USD	1.7936	48:00:00	0.31%
CAD	213.11 USD	1.3802	48:00:00	0.21%
CHF	213.63 USD	0.86155	48:00:00	0.21%
CLP	542.94 USD	937.475	144:00:00	0.54%
CRC	1250.01 USD	514.77	120:00:00	1.25%
CZK	282.88 USD	23.1296	48:00:00	0.28%
DKK	213.2 USD	6.84132	48:00:00	0.21%
EGP	745.83 USD	48.5481	48:00:00	0.75%
GEL	1264.9 USD	2.73085	72:00:00	1.26%
HKD	252.77 USD	7.7684	24:00:00	0.25%
HUF	669 USD	366.812	48:00:00	0.67%
IDR	392.48 USD	15580	48:00:00	0.39%
ILS	384.29 USD	3.76415	144:00:00	0.38%
JPY	293.44 USD	149.205	72:00:00	0.29%
KES	939.54 USD	129	72:00:00	0.94%
KRW	492.24 USD	1362.53	48:00:00	0.49%
MYR	302.43 USD	4.311	48:00:00	0.30%
NOK	213.31 USD	10.8164	144:00:00	0.21%
NZD	223.04 USD	1.64271	48:00:00	0.22%
PHP	501.47 USD	57.8083	72:00:00	0.50%
PKR	481.5 USD	278	48:00:00	0.48%
PLN	282.69 USD	3.9364	72:00:00	0.28%
RON	273.06 USD	4.56352	72:00:00	0.27%
SEK	233.26 USD	10.3764	48:00:00	0.23%
SGD	233.23 USD	1.30875	24:00:00	0.23%
TRY	228.13 USD	34.2272	72:00:00	0.23%
UYU	1057.92 USD	41.4399	144:00:00	1.06%
ZAR	489 USD	17.6185	48:00:00	0.49%

Sources

Global Data: Remittance Data and Statistics

The data on this page is compiled from various sources and highlights the changing remittance payment landscape. The UN has a target cost for all remittances to be below 3% of the transfer amount. We have shown this amount on the graphs throughout.

Jul 2, 2025

South America: Remittance Data and Statistics

The data and graphs below highlight the average cost of sending a $200 transfer to South America. This data includes money transfer companies, banks, post offices, and other financial institutions.The average 3% target set by the UN is also presented in the graphs.

Aug 5, 2024

Europe: Remittance Data and Statistics

This graph shows the average cost of sending money into Europe from 2016 to date and is based on a $200 transfer. This includes countries that support EUR to EUR transfers as well. We have included these to highlight the impact of unreasonably high fees on the overall cost of sending money.

Aug 5, 2024

North America: Remittance Data and Statistics

The data below shows the average cost of sending $200 to North America as a percentage of the amount sent.

Aug 5, 2024

Asia: Remittance Data and Statistics

This graph shows the average cost of sending money from 2016 to date and is based on a $200 transfer to Asia. This cost is a combination of fees and foreign exchange rates between the origin countries and Asian countries.

Aug 5, 2024

Contributors

Author

Artiom Pucinskij

Financial Content Strategist

artiom.pucinskij@intent.uk

With 6+ years of hands-on experience in international money transfer services, Artiom has tested and analyzed dozens of companies, services, and apps firsthand. From sending money between the UK, EU, US, JP, and ID, to helping friends and family transfer large amounts abroad, he combines deep personal experience with industry insight. He has worked on content and product at MoneyTransfers.com since 2019, with a focus on FX rates, transfer apps & companies, and comparison tools. His work has been featured in Forbes, Yahoo Finance, Decrypt, PoundSterling, and more.