Finance Tools

Wire Transfer Total Cost Calculator

Estimate the total (all-in) cost of a wire transfer including bank fee, intermediary fees, FX markup, and recipient bank charges.

Wire Transfer Amount ($)

This calculator estimates all-in wire transfer cost—not just the outgoing fee. International wires can include intermediary bank fees, recipient bank charges, and hidden FX costs.

Total Cost = Outgoing Fee + Intermediary Fees + Recipient Charges + (Amount × FX Markup)

Outgoing Bank Wire Fee ($)

The fee your bank charges to send the wire (outgoing wire fee).

Intermediary Bank Fees ($)

Some international wires pass through intermediary banks that deduct fees.

Recipient Bank Charges ($)

The recipient’s bank may charge an incoming wire fee or handling fee.

FX Markup (%)

Hidden exchange-rate cost if the wire involves currency conversion.

Total Cost: $74.00 (Effective Rate: 3.70%)

Cost Component	Amount
Outgoing bank fee	$25.00
Intermediary bank fees	$15.00
Recipient bank charges	$10.00
FX markup cost	$24.00
Total	$74.00

Note: Some banks send wires as “SHA/OUR/BEN” fee types. Intermediary/recipient deductions can vary.

How to use this wire transfer total cost calculator

Enter the wire transfer amount.
Enter your bank's outgoing wire fee.
Enter estimated intermediary bank fees (if any).
Enter recipient bank charges (if any).
Enter FX markup if currency conversion applies, then compare total cost.

Example

Sending $2,000 internationally via wire with multiple fee layers:

Outgoing bank fee: $25
Intermediary fees: $15
Recipient bank charges: $10
FX markup: 1.2% → $24
Total cost ≈ $74 (effective rate ≈ 3.70%)

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