International Money Transfer Fee Calculator
Compare the total cost of an international money transfer once the provider's fee and exchange rate margin are included.
Check your provider's current fee schedule.
Compare the provider's rate to the mid-market rate to estimate this.
Your results
Provider fees and margins change regularly — check the current schedule before transferring.
Calculation breakdown
- Margin cost
- Amount × Margin %
- Total cost
- Fixed fee + Margin cost
Worked example
Sending $5,000 with a $15 fixed fee and a 1.5% exchange margin costs about $90 total, leaving roughly $4,910 of effective value transferred.
Assumptions
- Fee and margin are manual inputs — confirm your provider's current rates before transferring.
- Does not account for the recipient's own bank receiving fees, if any.
How this calculator works
Enter the amount you want to send, the provider's fixed fee and their exchange rate margin percentage to see the effective total cost and how much the recipient will receive. Fees and margins differ between providers and change regularly, so check the current schedule before transferring.
Frequently asked questions
What's the difference between a transfer fee and an exchange rate margin?
The fee is a flat or percentage charge on top of your transfer; the margin is the difference between the mid-market exchange rate and the rate your provider actually gives you.
How do I find my provider's current margin?
Compare the rate the provider offers against the mid-market rate published by the Reserve Bank of Australia or a currency comparison site.
Does a cheaper fee always mean a cheaper transfer?
Not necessarily — a provider with no upfront fee may still charge more overall through a wider exchange rate margin, so compare the total effective cost.
Results are estimates only and are not financial, tax, legal or credit advice.