FX apps often look cheaper for small transfers, while banks tend to win on larger amounts. The problem is knowing exactly where that tipping point is.
This calculator helps you find the break-even amount where a bank transfer becomes cheaper than using an FX app. It compares fixed bank fees, percentage-based app fees, benchmark exchange rates, and bank spreads to determine the transfer size where costs flip.
Instead of guessing or relying on marketing claims, you get a clear numerical threshold. Below that amount, the app is cheaper. Above it, the bank wins.
This is especially useful if you move money regularly and want to choose the cheapest option each time based on transfer size, not assumptions.
Find the transfer size where the bank becomes cheaper than the app.
Wire fees, receiving fees, or flat commissions.
Example: 1 USD = 3.7000 ILS.
The total percentage fee charged by the app.
Must be lower than the app fee for a real break even to exist.
Results
All costs shown in ILS. Break even amount is in foreign currency units.
Break Even Amount
N/A
Fee Difference (App minus Bank)
N/A
Bank Cost at Break Even (ILS)
N/A
App Cost at Break Even (ILS)
N/A
Enter values to see the threshold where the bank becomes cheaper than the app.
