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A bank takes three bites out of a foreign payment: the wire fee, the hidden rate, and the days it spends in transit. Flip the switch and read the same invoice both ways.

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Invoice 2041 · $4,000.00 from a client in Austin

  • Wire fee

    −$25.00

    Taken before the money leaves

  • Exchange rate

    0.8924

    Mid-market 0.9200, less a 3% markup

  • Receiving fee

    −€15.00

    Charged by your own bank

  • Arrives

    3 to 5 days

    If nobody flags it on the way

You keep

€3,532.29

€147.71 lost to fees and the rate

  • Our fee

    −$16.00

    0.4%, shown before you confirm

  • Exchange rate

    0.9200

    The mid-market rate, no markup

  • Receiving fee

    €0.00

    It lands as a local transfer

  • Arrives

    Same day

    In your euro balance

You keep

€3,665.28

€132.99 more on this one invoice