Cross-border money, recalculated
The fee is not the price.
Every transfer service shows you a fee. For most of them it is the smaller half of what you pay — the rest sits in the exchange rate, where it is never labelled a cost. We take one product, one amount, one moment in time, and work out what it actually charges. Then we show the arithmetic so you can check it yourself.
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The Cheapest Provider Changes Four Times Between $1,000 and $20,000
Sending to India, the lead changes hands four times across five amounts. One provider prices in tiers, the other declines smoothly, and their lines keep crossing.
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£12.99 and $12.99 Are Not the Same Price: What One Subscription Costs in Eight Countries
Spotify Premium costs $17.58 a month in the UK and $1.19 in Nigeria. The two prices that look identical are 35% apart. If you are billed…
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Same Provider, Same $1,000, Four Times the Price — All That Changed Was the Country
Western Union charges 0.79% to India and 3.07% to the Philippines for the same $1,000 on the same day. We sent it to five countries to…
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We Went Looking for the Amount Where Your Bank Beats the Transfer App. It’s $36.
We tested nine transfer amounts from $20 to $5,000. Below about $36, the zero-fee bank actually wins. Two more rankings flip along the way.
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The Cheapest Fee Cost the Most: What $1,000 Actually Loses on the Way to the Philippines
One provider charged a $0.00 fee and cost $31.88. Another charged $7.46 and cost $7.46. We recalculated what a $1,000 transfer really costs.