SWIFT wire transfers are often described as “simple,” but the final cost is rarely transparent. Fees can come from multiple banks along the way, and FX spread can quietly reduce the amount received.

This estimator helps you calculate the true cost of a SWIFT wire by accounting for sending bank fees, intermediary deductions, receiving bank fees, and FX spread. If you provide a benchmark exchange rate, it can also estimate the real value delivered in the target currency.

The result is a clearer picture of how much a wire transfer actually costs you, not just what your bank advertises upfront.

Use this tool to compare SWIFT wires with alternative transfer methods and to avoid surprises when moving money internationally, especially to or from Israel.

FX Break Even Calculator
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.

Related articles