Is Wise (TransferWise) or Paysend cheaper?

Paysend is cheaper on most of the corridors tested (4–1), but results vary by route and amount. Use the FX Skipper live comparator for your specific transfer.

What is the FX margin of Wise (TransferWise) vs Paysend?

Wise (TransferWise) charges an FX margin of 0% above the mid-market rate. Paysend charges 0.5%. The lower the margin, the more your recipient receives.

Wise (TransferWise) vs Paysend — Which is cheaper in 2026?

Which is cheaper for regular small transfers?

💡 Affiliate disclosure: Links to providers may be affiliate links. Rankings are always by net amount received, never by commission.

Wise (TransferWise)

FX margin 0% 0.5%

Flat fee $1.00 $2.00

Transfer fee 0.65% None

Speed Instant – 2 days Minutes – 1 day

Rating 4.8/5 4.3/5

Visit Wise (TransferWise) ↗

Paysend

0.5%

Simple fixed-fee card-to-card transfers to 170+ countries in minutes.

Visit Paysend ↗

Head-to-head: recipient gets on 1000 USD equivalent

Corridor	Wise (TransferWise)	Paysend	Winner & saving
🇺🇸 USD → 🇮🇳 INR	₹94,885.37	₹94,933.51	Paysend +₹48.14
🇺🇸 USD → 🇵🇭 PHP	₱62,219.47	₱62,251.03	Paysend +₱31.56
🇬🇧 GBP → 🇮🇳 INR	₹128,340.68	₹128,439.33	Paysend +₹98.65
🇪🇺 EUR → 🇵🇱 PLN	zł4,287.63	zł4,290.40	Paysend +zł2.77
🇦🇪 AED → 🇵🇰 PKR	₨74,853	₨74,690	Wise (TransferWise) +₨163

Green = higher net amount. Based on sending 1000 USD equivalent as of 2026-09-12. Check live rates →

🏆 Verdict: Paysend wins 4–1 on these corridors

Paysend delivers more to the recipient on most corridors tested, primarily because its FX margin (0.5%) is lower than Wise (TransferWise)'s (0%). However, results depend on corridor, amount and delivery method. Use the live comparator for your specific transfer.