Corridor guide
Send Australian Dollar → US Dollar
APAC consultants billing US clients.
Live cost comparison
Calculator pre-seeded for AUD → USD. Try your usual invoice amount.
Showing latest calculation.
The leak story
vs PayPal$41.57 — gone, just like that.
That's enough to pay for…
- 4 months of GitHub Copilot
- 9 cups of specialty coffee
- 3 months of Spotify
Over a year at this pace
You'll leak $498.84 — that's most of a PlayStation 5 + 3 games.
Every. Single. Year.
Plug the leak — route via Wise Business.
Know a freelancer leaking the same? Send this their way.
Spread it →
PayPal
4.4% + $0.30 · 2.5% FX markup
Fee$29.14
FX leak$15.72
Skimmed$44.86
You keep
$613.03
Stripe International
4.3% + $0.30 · 2.0% FX markup
Fee$28.49
FX leak$12.59
Skimmed$41.08
You keep
$616.82
Payoneer
3% flat · 1.5% FX markup
Fee$19.74
FX leak$9.57
Skimmed$29.31
You keep
$628.59
Winner!
Wise Business
0.5% transparent · 0% FX markup
Fee$3.29
FX leak$0.00
Skimmed$3.29
Airwallex
1% intl · 0.6% FX markup
Fee$6.58
FX leak$3.91
Skimmed$10.49
You keep
$647.41
Revolut Business
0.4% · interbank FX (0.4% beyond plan)
Fee$2.63
FX leak$2.62
Skimmed$5.25
You keep
$652.64
WorldFirst
0% fee · 0.5% FX markup
Fee$0.00
FX leak$3.29
Skimmed$3.29
You keep
$654.61
Mercury
Free wires · ~1% FX spread
Fee$0.00
FX leak$6.58
Skimmed$6.58
You keep
$651.32
Bank Wire (SWIFT)
$25 flat · 3% FX spread
Fee$16.45
FX leak$19.24
Skimmed$35.69
You keep
$622.20
Deel
3% withdraw · 1.5% FX markup
Fee$19.74
FX leak$9.57
Skimmed$29.31
You keep
$628.59
Smart Tip
Stop the leak! Based on your parameters, Wise Business saves you $498.84/year compared to PayPal.
Switch the rail and reclaim that margin every cycle.
Per invoice
$41.57Extrapolated yearly
$498.84How we calculated it
Difference between PayPal and Wise Business on the same invoice, split into the two leak sources:
- Platform fee delta$25.85
- FX markup leakage delta$15.72
- Per-invoice savings$41.57
- × 12 months$498.84
Winner breakdown
0.00% better than WorldFirstCalculation breakdown · Wise Business
- Gross billed
- A$1,000
- Platform fee %
- 0.50%
- Total platform fee
- A$5.00
- Conversion rate
- 0.6579
- FX markup
- 0.00%
- Effective rate
- 0.6579
- Receiving amount
- A$995.00
- Hidden FX loss
- $0.00
- Total loss
- $3.29
Final payout$654.61
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