What it costs to send money abroad: a bank wire, Wise or a stablecoin

On 1,000 USD to euros Wise's fee is $9.87 at the mid-market rate, and 869.18 EUR arrives with nothing deducted on the way. The same amount as a wire in dollars loses $113.80 (11.4%) to fees, deductions and the receiving bank's rate. A transfer into their own bank also looks like any other transfer to their accountant.

Open 1,000 USD to euros →

On 300 USD to Europe the wire costs $92.80, 30.9% of the payment, before anybody has done anything wrong. Wise charges $7.85. USDC on Base costs you a tenth of a cent and costs them $3.00 at a 1% cash-out, so 260.72 EUR arrives against 256.46 EUR through Wise.

Under a few hundred dollars the fixed fees are the whole story.

Open 300 USD to euros →

On 20,000 USD sent in euros, Bank of America's "no wire fee" is not zero: at a 3% markup the rate carries it, $640.00 in all. Mercury's 1% conversion fee makes it $240.00. Wise's fee is $64.78.

A stablecoin costs you cents and costs them $40.00 at a careful 0.2% or $1,000.00 at a careless 5%: the winner is decided at their end, and a wire can be recalled by request where a token transfer cannot.

Open 20,000 USD from Mercury against a 5% cash-out →

On 1,000 USD to India the wire leaves 89,189.59 INR. Wise leaves 94,700.73 INR for an $11.26 fee. USDT on TRON to an address that never held USDT burns 13.03 TRX, about $4.38, and the 1% cash-out costs them $10.00: 94,821.41 INR arrives.

A transfer that costs you nothing and costs them 4% is not cheap, which is why the form prints what arrives beside what you pay.

Open 1,000 USD to rupees on TRON →

A payment recorded as a bank transfer, made in the bank, then marked paid with the bank's confirmation.

From a connected Mercury account the payment is requested into Mercury's own approval queue, and non-US payees go by international wire, in US dollars only; from a connected Slash account a person presses Send via Slash.

A bank does not report its wire fee, and Orla says so: the Cost of moving money card in Reports counts network, exchange and card top-up fees, and states that bank transfers are in none of them.

Recorded in Orla and made in Wise. Orla does not connect to Wise: it is on the Coming next, if you ask list under Connections.

The month's Wise statement is filed against the account, and a transfer between two of your own accounts that arrived short is booked with the shortfall as the rail's fee, so both accounts still add up.

Sent from the run screen, which says up to X per run, Y per row before you send: an upper bound, not a quote.

Afterwards the payment carries the transaction id linked to the block explorer and what the network actually charged, and the fee is its own row in the transaction list, named Network fee, in SOL, TRX or ETH, so the expense report agrees with how much the wallet went down by.

Up to 200 rows from one account, typed or from a CSV, checked on its total by the approval rule and signed in one action. A batch runs on every plan; the breakdown of who was paid and which bills a batch settled starts on Pro.

On payouts and bills Orla takes nothing: each payment carries its own rail's cost. Orla's own fee sits in three places: a crypto swap and a card top-up, each named on the screen before you confirm, and what an AI agent's wallet spends on its own.