Wise fees in 2026: from 0.52%, and the mid-market rate.
Wise's published pricing shows send fees from 0.52%, varying by currency, at the mid-market exchange rate. In the modelled Ghana receive route, a full conversion lands near 0.90% effective — about $108 a year on $12,000 of billing, the cheapest scored route in the kit's rails matrix. Numbers from published schedules, verified October 2026.
The numbers, plainly.
What you can control.
Wise's fee anatomy is deliberately simple: a transfer fee that varies by currency plus a transparent conversion spread at the mid-market rate. What moves your cost: the corridor (some payout destinations are partial-support), the invoice size (percentage costs matter less as amounts grow), and whether a platform cut hits the money before Wise ever sees it.
That last point is the big one. A Fiverr-to-Payoneer route loses about 23.45% to the stack. A direct Wise route models at 0.90%. Rail choice on direct invoices saves hundreds a year; removing the platform cut saves thousands. The free calculator prices both stages, as worst-case ranges, never fake-precise numbers.
Comparing rails? Payoneer vs Wise on the same scenario. Full corridor view: cheapest rails into Ghana. Platform fee detail: Upwork fees · Fiverr fees.
See your Wise number.
Country, invoice size, frequency, current route — the calculator returns worst-case ranges across every rail, Wise included, and what each stage of moving would recover per year.
Questions.
How much does Wise charge to send money?
Wise's published pricing shows the sending fee varies by currency, from 0.52%. That is the headline transfer fee only — the full cost of a route also includes any receiving-side fee and the FX conversion spread. Verified October 2026 from the Ghana pricing page.
How much does Wise charge to receive money?
In the modelled Ghana receive route used on this site, Wise charges 0.40% receiving plus a 0.50% FX spread — about 0.90% effective, or $108 a year on $12,000 of billing. That is the cheapest scored route in the kit's rails matrix. Always confirm your specific corridor in the calculator.
Does Wise use the real exchange rate?
Yes — Wise uses the mid-market rate, the one you see on Google. The cost sits in the transparent conversion spread (modelled at 0.50% on the Ghana route) rather than in a marked-up exchange rate. That transparency is a large part of why Wise scores cheapest on the kit's matrix.
Does Wise work in Ghana?
Yes — Wise fees in Ghana follow the same published rates, and Wise is the cheapest scored route in the kit's Ghana rails matrix at about 0.90% effective. The caveat on record: payout support into some African banks is partial. Verify your bank or mobile-money corridor in the calculator before making Wise your default habit.
Wise or Payoneer — which should I use?
On direct client invoices on supported corridors, Wise is cheaper: 0.90% versus 3.15% effective on the modelled Ghana route. Payoneer remains the common payout rail behind marketplaces like Fiverr, where the platform's commission dominates anyway. Split your legs accordingly — full comparison here.