Banks advertise a "$45 wire fee" while quietly taking 2–4% in exchange-rate markup you'll never see on the receipt. The FX Fee Calculator shows the true cost — visible fee plus hidden FX markup — for Wise, Airwallex, and a typical bank wire, ranked by what actually lands in your recipient's pocket. Every assumption is visible and editable (fees, margins, the mid-market rate itself), and everything computes in your browser — nothing you type is sent anywhere. Free forever, no signup.
