What a payment abroad costs
the rail's price, and Orla's line on top

Wise wins most everyday amounts

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 →

The stablecoin wins small amounts, if their cash-out is cheap

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 →

The wire beats a careless cash-out on a large amount

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 →

What you pay is half the answer

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 →

From your bank

Airwallex, PayPal and the account inside Orla pay by themselves inside the mandate after the pilot. In Revolut Business Orla prepares a draft and a person approves it there; from Mercury the payment is requested and an admin approves it there; from Slash a person presses Send via Slash.

A Wise transfer

Made in Wise. Orla does not connect to Wise: the month's statement is filed against the account, and a shortfall between your own accounts is booked as the rail's fee.

A stablecoin payout

USDC on Base, Ethereum, Polygon or Solana. The payment carries its transaction hash, and the network fee is its own row in the chain's coin.

A batch

Up to 200 rows from one account, typed or from a CSV, checked on its total and signed once, or sent by itself inside the mandate.

Every brake on Safety

Bank wire (SWIFT)

Three charges and a rate. Your bank's fee: Bank of America's page says $45 for an international wire in US dollars, and no wire fee in a foreign currency, with exchange rate markups applied instead. Mercury sends a US dollar wire free with the charges shared, or for a flat $15 if you cover them, and adds a 1% conversion fee to a wire in another currency.

On the way, correspondent banks deduct what they deduct. Wise's help page estimates 15 to 50 USD or equivalent, and higher depending on the banks, so the form starts at 25. At the far end the receiving bank keeps its own fee: Bank of America's is $15, and your contractor's bank publishes its own.

The rate is the charge nobody prints. A bank that converts sets its own rate, and no bank page we read gives the markup. Wise's public comparison feed listed Wells Fargo and Chase about 3% below the mid-market rate for euros and for rupees on 26 September 2026, which is Wise's data about banks, so the form starts at 3% and asks you to change it to your bank's. Arrival, on Bank of America's page: 1 to 5 business days.

Wise

One fee and the mid-market rate. The fee is a fixed part plus a percentage of the amount, fitted from two amounts on Wise's own public comparison feed and checked against its figure for a third to the cent: 6.98 USD plus 0.289% to euros, and 7.08 USD plus 0.418% to rupees, paying by bank transfer. Paying from a Wise balance or by direct debit costs less, and the form takes the way you pay.

Above 25,000 USD Wise says its fees are discounted, so the form prints no number there. At the recipient's end there is usually nothing to pay when the money lands in their own bank in their own currency.

USDC or USDT

The network fee, paid by you in the chain's own coin, and the recipient's cost to turn tokens into money. On 26 September 2026 a token transfer cost $0.001 on Base, $0.004 on Arbitrum and $0.002 on Polygon by each explorer's own figure, and Etherscan put a USDT transfer on Ethereum at $0.01 and an ERC-20 transfer at $0.02.

Solana's average transaction fee was about 0.00008 SOL, a cent, plus a deposit of about 0.002 SOL once for a recipient who never held the token. On TRON every USDT transfer we read that evening used 64,285 energy to an address that held USDT and 130,285 to one that did not: 6.43 or 13.03 TRX burned, about $2.16 or $4.38, and nothing if the sender has staked TRX for energy.

The cash-out is the recipient's. Done on an order book with a local withdrawal it lands near 0.2%; through buy buttons and a percentage withdrawal, near 5%. The form starts at 1%, which is what one payments vendor charges for its own off-ramp on its cheapest plan.