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On an international payment the advertised fee is often the smaller half of what you pay. The rest is in the rate.
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A cross-border payment has an explicit fee and an implicit one. The explicit fee is on the rate card. The implicit one is the margin between the exchange rate you are given and the mid-market rate, and it is charged silently as part of the conversion.
A provider advertising zero fees can be more expensive than one charging a visible fee, purely through the spread. Comparing advertised fees alone systematically favours whoever hides more of their price in the rate.
Look up the mid-market rate for the pair, then compute what you are actually being given. The difference, as a percentage, is the margin. Add it to the explicit fee to get the real cost.
Anything described as an indicative or reference rate, including the conversions on this site, is not a quote. It is close enough to compare options and not close enough to settle on.
The same rail usually charges more for a cross-border payment than a domestic one, because interchange, scheme fees and risk all rise. A comparison that shows one rate per provider without saying which channel it covers is comparing different products.
Prices change. Everything here is explained against live fee data, so you can check any of it directly.