Currency Converter &
Remittance Comparison Tool

Each company applies a markup over the mid-market rate (the "real" rate from currency markets). This markup, combined with fixed fees, is how they make money. Wise tends to apply the smallest markup, while traditional wire transfers and some banks can mark up by 3–5%.

Generally, Wise (formerly TransferWise) offers the closest rate to mid-market with transparent fees. For larger amounts, even a small rate difference saves significantly. Always compare the total amount the recipient gets, not just the advertised rate.

It depends on the service and corridor. Wise typically delivers within minutes to hours. Remitly offers express (minutes) and economy (1–3 days) options. Western Union cash pickup is often within minutes. Bank wires can take 2–5 business days.