On a transfer of 10,000 to 500,000 the exchange-rate margin is usually the biggest cost. Use the calculator to compare what a bank margin and a specialist broker's margin would cost on your amount, then request real quotes.
Bank figure: the middle (median) margin of 327 fresh bank quotes in our live data (2026-10-22) is 2.21% below the mid-market rate; the middle half of quotes sits between 0.93% and 3.03%. These quotes come from Wise's public comparison data (Wise competes with brokers and banks), cover about USD 1,000 transfers across many routes, and are only a starting point: banks price large transfers differently and your bank may differ — use its actual quote.
| Amount sent | Cost at a bank margin of 2.21% | If a broker's margin were 0.25% you would save | If a broker's margin were 0.5% you would save | If a broker's margin were 1.0% you would save |
|---|---|---|---|---|
| 10,000 | 221 | 196 | 171 | 121 |
| 25,000 | 553 | 490 | 428 | 303 |
| 50,000 | 1,105 | 980 | 855 | 605 |
| 100,000 | 2,210 | 1,960 | 1,710 | 1,210 |
| 250,000 | 5,525 | 4,900 | 4,275 | 3,025 |
| 500,000 | 11,050 | 9,800 | 8,550 | 6,050 |
All amounts in the currency you send. Savings are "what the bank margin would cost minus what the broker margin would cost" — a what-if, not a quote, and it leaves out any fixed fees (add them in the calculator above). A dash means no saving under that assumption.
Listed alphabetically. Availability, minimums and pricing depend on your country and amount — check on the provider's site and ask for a quote.
Visit the provider to ask about large transfers from your country.
Visit KnightsbridgeFX →Visit the provider to ask about large transfers from your country.
Visit No1 Currency →Built for large transfers: typically a $5–11 fee on ≈$1,000, with much tighter margins above $10,000.
Visit OFX →Trusted since 1993. No transfer fees on most transfers; revenue from a small FX margin.
Visit XE Money Transfer →The margin is the gap between the rate you are given and the mid-market rate. It is charged on the whole amount, so on 100,000 a margin of 1% costs 1,000 while 0.5% costs 500 — often far more than any fixed fee.
No. That is why this page lets you enter both quotes. Many brokers price large transfers individually, so ask for a quote, set it against your bank's, and compare the amount that would arrive in the recipient's account. FX Skipper does not know your quote.
Compare the exact amount received, any fixed or intermediary fees, transfer limits and identity checks for large sums, how long the money takes, and whether the provider is licensed in your country. FX Skipper compares prices only and is not financial advice.
Figures on this page are illustrations from the inputs above and from public comparison data. FX Skipper compares prices; it does not process transfers, hold money or give financial advice. See the methodology.