Three worked examples on 1,000 USD
- 1% in and 2% out. 1,000 becomes 990, then 970.20.
- A 25 USD correspondent fee and a 10 USD bank fee. 1,000 becomes 965.
- 4.40% plus 0.30 USD in, then 3% lost in conversion. 1,000 becomes 955.70, then 927.03.
These show how the sum works. They don't describe any one provider's full cost in your country.
How to fill in the boxes
In is what comes off when the money reaches the account. Out is what comes off when you withdraw it. Spread is what you lose in the rate when it changes currency. Leave a box empty if that charge doesn't apply.
We never prefill a fee, because a number left in a box goes stale. Payoneer says its page shows its most standard fees, and that the exact fee is displayed before you confirm. PayPal has a separate page for each country, so check yours.
More on this: Payoneer fees explained, PayPal to M-PESA in Kenya, Wise by country. When you've got a route that works, find a remote role.
Questions people ask
Which is cheapest, Payoneer, PayPal or Wise?
It depends on your country, the currency and how the client pays. Type the fees you see in each account and compare the result for your own payment.
Why did less arrive than the tool shows?
A bank between the sender and yours can take a correspondent fee. Wise estimates 15 to 50 USD on a SWIFT payment. Ask who covers it, and add it to the route.
This is an estimate, not financial, tax or legal advice. Fees change, so check inside your own account. Reviewed on 2 November 2026.