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Wise Fee Calculator

Calculate exact Wise fees (0.65% + $0.45). See your net payout on any amount and how much to invoice to avoid losing money to processing costs.

Verified 2026 standard rate

0.65% + $0.45

Global Transfers

⚡ Lowest-Fee Options for $1,000:
Wise Net Payout:
$0.00
You keep — Fees —
Processing Fee: -$0.00
Invoice this to receive exact amount:
$0.00
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Wise Fee Schedule Table ($10 to $10,000)

Verified 2026 rate, USD
Invoice Amount Wise Fee You Receive (Net) Ask For (Zero Fee Loss)
$10 -$0.52 $9.48 $10.52
$25 -$0.61 $24.39 $25.62
$50 -$0.78 $49.22 $50.78
$100 -$1.10 $98.90 $101.11
$250 -$2.08 $247.92 $252.09
$500 -$3.70 $496.30 $503.72
$1000 -$6.95 $993.05 $1007.00
$2500 -$16.70 $2483.30 $2516.81
$5000 -$32.95 $4967.05 $5033.17
$10000 -$65.45 $9934.55 $10065.88

How Wise Fees Work in 2026

Wise operates in the Global Transfers sector with a standard transaction rate of 0.65% plus a fixed fee of $0.45 per transaction. For example, on a $100.00 payment, Wise deducts $1.10, leaving you with a net payout of $98.90. On a $1,000.00 transaction, your net payout is $993.05 after the $6.95 processing fee. If you accept international payments or currency conversions, an additional 0.0% cross-border fee may apply.

The formula (Verified 2026)

Fee
amount × 0.65% + $0.45
International add-on
+0.0% of the amount
Invoice to receive an exact net
(amount + $0.45) ÷ (1 − 0.65%)
Official Rate Reference
Wise Official Fee Schedule 2026 ↗

Frequently Asked Questions

How much does Wise charge per transaction in 2026?

The standard Wise processing fee is 0.65% + $0.45 per domestic transaction. International or currency conversion transactions add roughly 0.0%.

How much is the Wise fee on $1,000?

For a $1,000 USD payment, Wise charges $6.95 in standard fees, meaning you receive $993.05 net in your account.

How do I pass Wise fees to my client?

To receive the exact net amount after Wise deducts its 0.65% + $0.45 fee, use the Reverse Invoice formula: (Desired Amount + $0.45) / (1 - 0.0065).

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