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FX live, 150 of 153 currencies refreshed 17 Oct 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Cross-border transfer at the mid-market exchange rate with the fee charged explicitly rather than hidden in the FX spread. The percentage varies by corridor.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Wise published corridor pricing.
In force since 24 Mar 2025
0.85% effective
−15.4% relative
Since 1 Jan 2019
Rates are step functions: each level holds until it is replaced.
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.