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FX live, 150 of 153 currencies refreshed 26 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
162 methods · 236 markets
Cards, wallets, instant bank rails, mobile money and cash. Every fee in the open, with the caps and flat charges that decide what you actually pay.
Search now & save on your transfer
Instantly compare fees, caps & the real cost on your amount.
A curated dataset rather than a complete registry of every rail on earth. Coverage grows as new methods are verified, and each fee carries the date and the basis it was recorded on.
Across 10 rail types
With local currency pricing
Acquirers, networks and schemes
Current rates plus full history
Ranked by real cost
Ranked by the fee actually charged, not the headline rate, a capped percentage or a flat fee changes the ordering completely as the amount moves.
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History
Zero-MDR mandates, interchange caps, Brexit reclassification, pandemic fee waivers, each one shows up as a step in the record. Every rate change is kept, with the reason where it is known.
Every rate is tied to a market, a currency and a channel. Online, card-present, payout, refund, chargeback and currency conversion are priced separately, because they are.
Browse methods →Rates are stored as an append-only record: each level holds until it is replaced. Movement is shown both in percentage points and as a relative change, because those are different numbers.
See fee changes →Record your own transactions and each is priced with the rate in force on its date. A later repricing never rewrites your history, and you can see how today's rate compares.
Track transactions →Create an account with your email and a password, confirmed by a one-time code each time you sign in. Record the payments you take or make, and UnifyPay computes the fee that applied on the day each one happened, then shows you what that rail charges now.
Direct debit
$0.800.80%
HU · 1.14% → 1% · 18 Jan 2026
