Wise vs Payoneer vs Revolut Fee Calculator 2026 - Compare Transfer Costs

 

Wise vs Payoneer vs Revolut Fee Calculator 2026

Compare international transfer fees, exchange rates, and total costs. Find cheapest way to send money abroad. Updated 2026 rates for 50+ countries.

Last Updated: January 2026 | Rates: Live Mid-Market + Provider Markup

💱 Compare Transfer Costs

Send Amount

Send Currency USD - US Dollar EUR - Euro GBP - British Pound PKR - Pakistani Rupee INR - Indian Rupee AUD - Australian Dollar CAD - Canadian Dollar

Receive Currency PKR - Pakistani Rupee INR - Indian Rupee USD - US Dollar EUR - Euro GBP - British Pound PHP - Philippine Peso BDT - Bangladeshi Taka

Transfer Speed Fast (Instant-1 Hour) Standard (1-2 Days) Slow (3-5 Days)

Transfer Cost Comparison

📊 2026 Fee Comparison Table - $1000 USD Transfer

Provider	Transfer Fee	Exchange Rate Markup	Total Cost	Recipient Gets	Speed	Best For
Wise	$6.42	0.35% - Best	$9.92	$990.08	Instant-2hrs	Low fees, mid-market rate
Payoneer	$3.00	2.0%	$23.00	$977.00	1-3 Days	Freelancers, Marketplaces
Revolut	$0	0.5% (Free tier)	$5.00	$995.00	Instant	Small amounts, Premium users
Bank Wire	$25-$50	3-5%	$55-$100	$900-$945	3-5 Days	Large amounts $10K+
Western Union	$15-$30	4-6%	$55-$90	$910-$945	Minutes	Cash pickup

📖 How to Use Fee Calculator

1. Enter Amount: Type how much you want to send. Example: $1,000, €500, £800.
2. Select Currencies: Choose send currency (USD, EUR, GBP) and receive currency (PKR, INR, PHP).
3. Pick Speed: Fast = higher fee, instant. Standard = balanced. Slow = cheapest, 3-5 days.
4. Compare Results: See total fees, exchange rate markup, and exact amount recipient gets for Wise, Payoneer, Revolut.
5. Find Cheapest: Green "BEST" badge shows lowest total cost. Click provider to go to their site.

Pro Tip: For $1,000+ transfers, Wise usually cheapest. For $100-500, Revolut Free tier wins. Payoneer best for receiving from Upwork, Fiverr, Amazon.

Wise vs Payoneer vs Revolut - Detailed Comparison 2026

1. Wise (TransferWise)

• Fees: 0.35%-0.65% + fixed fee $0.50-$6. Transparent upfront.
• Exchange Rate: Mid-market rate (Google rate). No markup. Best rate.
• Speed: 50% instant, 90% within 24 hours.
• Limit: $1M per transfer. $6M per year.
• Countries: 80+ countries, 50+ currencies.
• Best For: Large transfers, best exchange rate, transparency. Freelancers, expats.
• Account: Multi-currency account, debit card, local bank details in 10 countries.

2. Payoneer

• Fees: 1-3% for transfers. $3 minimum. $29.95/year if inactive.
• Exchange Rate: 2% markup above mid-market. Hidden cost.
• Speed: 1-3 business days. Slower than Wise/Revolut.
• Limit: $50K per transaction. No annual limit.
• Countries: 200+ countries, 150+ currencies.
• Best For: Receiving payments from Upwork, Fiverr, Amazon, Airbnb, Google. Marketplace payouts.
• Account: Receive in USD, EUR, GBP, JPY, CAD, AUD. Withdraw to local bank.

3. Revolut

• Fees: Free up to £1,000/month (Free tier). 0.5% after. Premium £6.99/mo = unlimited free.
• Exchange Rate: Interbank rate Mon-Fri. 1% markup weekends.
• Speed: Instant between Revolut users. 1-2 days to banks.
• Limit: £100K/month (Free). Unlimited (Premium/Metal).
• Countries: 30+ currencies. Best in Europe, UK.
• Best For: Small transfers, travel, daily spending. Premium users get best rates.
• Account: Multi-currency card, crypto, stocks, budgeting tools.

Hidden Fees to Watch:

• Exchange Rate Markup: Banks charge 3-5%. Wise 0.35%. Payoneer 2%. Revolut 0-1%.
• Receiving Fees: Payoneer charges 1% to receive. Wise/Revolut free.
• Card Fees: Revolut free card. Wise $9. Payoneer $29.95/year.
• ATM Fees: Revolut £200/mo free, then 2%. Wise $100/mo free, then 2%. Payoneer $3.15 + 3%.
• Inactivity Fees: Payoneer $29.95/year if no activity 12 months. Wise/Revolut none.

Frequently Asked Questions

1. Which is cheapest: Wise, Payoneer, or Revolut?

Depends on amount: Under $500 = Revolut Free (0% fee). $500-$5,000 = Wise (0.35% markup). Receiving from marketplaces = Payoneer (integrated). Over $10,000 = Wise (best rate, high limits). Example $1,000 to Pakistan: Wise costs $9.92, Payoneer $23, Revolut $5.

2. What is exchange rate markup?

Hidden fee in exchange rate. Mid-market rate = Google rate = 1 USD = 278 PKR. Banks give 1 USD = 265 PKR (5% markup). You lose $50 on $1,000. Wise uses mid-market + 0.35% fee. Payoneer uses mid-market - 2% markup. Always check "recipient gets" amount, not just fee.

3. Is Payoneer better than Wise for freelancers?

For receiving: Yes. For sending: No. Payoneer integrates with Upwork, Fiverr, Amazon, Airbnb - clients pay directly, no fees. Withdrawal to bank costs 2% + $3. Wise better for sending money - lower fees, better rate. Many freelancers: Receive via Payoneer, send via Wise.

4. Can I use Revolut to send money to Pakistan?

Yes, but limited. Revolut supports PKR transfers to bank accounts. Free up to £1,000/month, then 0.5%. Speed: 1-3 days. Better: Wise supports instant PKR transfers to all Pakistani banks including JazzCash, EasyPaisa. Revolut best for EUR/GBP/USD transfers.

5. What are Wise fees for $5000 transfer?

$5,000 USD to PKR: Fee = 0.43% + $3.20 = $24.70 total. Exchange rate: Mid-market 278.50 PKR. Recipient gets: 1,385,775 PKR. Bank would give: ~1,320,000 PKR (losing 65,000 PKR). Wise saves ~$235 vs bank.

6. Does Payoneer charge monthly fees?

$29.95/year if inactive 12 months. No monthly fee if you receive $2,000+ per year or make 1 transaction. Card annual fee: $29.95. ATM: $3.15 + 3%. Currency conversion: 2%. Receiving from marketplaces: Free. Withdrawal to bank: 2% + $3.

7. Is Revolut safe for large transfers?

Yes, FCA regulated, bank-level security. But limits: Free tier £100K/month. For $50K+ use Wise - higher limits ($1M), better rates, dedicated support. Revolut best for £1K-10K transfers, travel, daily spending. Not ideal for business $100K+ transfers.

8. Which has fastest transfer speed?

Revolut: Instant between Revolut users, 1-2 hours to banks. Wise: 50% instant, 90% within 24hrs. Payoneer: 1-3 days slowest. For instant cash pickup: Western Union/MoneyGram but 5-8% total cost. For bank deposit: Wise/Revolut fastest.

9. Can I have accounts with all three?

Yes, recommended. Use Wise for sending money abroad (best rates). Use Payoneer for receiving from Upwork/Fiverr/Amazon. Use Revolut for travel, small transfers, spending abroad. No conflict. Many digital nomads use all three for different purposes.

10. What about taxes on international transfers?

Transfers themselves not taxed. But: US: Report $10K+ transfers via FBAR. Pakistan: 0.6% tax on foreign remittance above 5M PKR/year (for residents). India: No tax on gifts from relatives, 30% on income. Keep records. Consult tax advisor for $50K+ transfers.

Disclaimer: Fees and exchange rates updated January 2026. Actual costs vary by corridor, payment method, speed, and time of transfer. Exchange rates fluctuate. Wise, Payoneer, Revolut rates checked from official websites. We are not affiliated with any provider. Not financial advice. Always verify fees before sending. For amounts over $10,000, consult your bank about wire transfers and tax implications.