Exchange rates

International transfer cost calculator

Enter what you send. See what arrives, method by method, after fees and the exchange-rate markup.

Cheapest here: USDT via WorkTGT. The recipient gets 62,810.77 PHP.

  • USDT via WorkTGTCheapest

    Recipient gets
    62,810.77 PHP
    Fees
    1.00 USD
    Lost vs mid-market
    −157.33 PHP
    Total cost
    0.25%

  • Wise

    Recipient gets
    62,578.45 PHP
    Fees
    6.19 USD
    Lost vs mid-market
    −389.64 PHP
    Total cost
    0.62%

  • PayPal

    Recipient gets
    59,857.47 PHP
    Fees
    20.00 USD
    Lost vs mid-market
    −3,110.62 PHP
    Total cost
    4.94%

  • Bank wire (SWIFT)

    Recipient gets
    59,666.73 PHP
    Fees
    28.13 USD
    Lost vs mid-market
    −3,301.37 PHP
    Total cost
    5.24%

How these numbers are worked out

  • Every method assumes you spend exactly the amount above, with fees taken out of it, and is measured against the mid-market rate.
  • Bank wire: 25 EUR in sending and intermediary fees, plus a 2.5% markup on the exchange rate.
  • Wise: 1.5 EUR plus 0.45% of the amount, converted at the mid-market rate.
  • PayPal: 2% of the amount, plus a 3% markup on the exchange rate.
  • USDT via WorkTGT: 0.1% of the payout (min 0.5, max 5 USDT), network gas included. USDT is counted at 1 USD, plus a 0.15% spread when the recipient converts USDT to local currency.

Provider fees surveyed on 2026-07-27. They vary by country, bank and amount, so check with your provider before a large transfer. Exchange rate: ECB reference rate of 2026-10-16.

Pay your team the cheaper way

WorkTGT runs team payouts in USDT from your own Safe multisig, with approvals before anything moves. Free to use; each executed payout costs 0.1%, gas included.

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Paying contractors abroad

Country guides with local rules, cash-out options and a worked cost example.

Frequently asked questions

How is the total cost worked out?

We take your amount at the mid-market rate as the ideal result, then subtract each method's fixed fee, percentage fee and exchange-rate markup. The gap between the ideal and what actually arrives is the cost, shown as an amount and as a percentage.

Where do the fee numbers come from?

From each provider's public price list, surveyed on 2026-07-27. Real fees depend on the country, the bank and the amount, so treat the result as a well-informed estimate and check before a large transfer.

What does sending USDT through WorkTGT cost?

Using WorkTGT is free. Each executed payout costs 0.1%, at least 0.5 and at most 5 USDT, with network gas included. The recipient gets USDT on BNB Smart Chain and may pay a small spread when converting it to local currency.

Is USDT always the cheapest way?

Not always. For very small amounts the 0.5 USDT minimum weighs more, and Wise can come close on major currencies. The bigger the amount, the more a bank's percentage markup costs, which is where USDT pulls ahead.