FX comparison
FX Break Even Calculator
Find when a bank can become cheaper than an FX app once fixed fees and percentage spreads are included.
How to read these defaults (July 2026)
The bank-beats-app case usually requires a negotiated dealing-room spread — 0.45% is realistic on large negotiated transfers, while standard retail bank spreads run 0.8–1.5%. App/specialist all-in costs on USD→ILS were around 0.85% on ₪3,500 and drop toward 0.5–0.6% on large amounts (July 2026). Use quotes for YOUR amount.
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For planning only — not a loan, tax, or legal offer. Israeli property, mortgage, tax, and bank rules vary by buyer profile and deal structure.
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.
