Transfer costs
SWIFT Wire True Cost Estimator
See fixed bank fees, intermediary fees, receiving fees, FX spread, and estimated delivered amount.
USD wires often pass 1–3 correspondent banks at roughly $15–$30 each.
Where these defaults come from (July 2026)
Israeli banks charge an exchange (chalifin) fee of about 0.16–0.19% on top of a transfer-rate markup versus the mid-market rate — retail all-in is commonly 0.8–1.5%, so the default here is 1.1%. Specialist services (Wise-style) run around 0.5–0.85% all-in on USD→ILS, lower on large amounts. Always ask for the final ILS amount in writing before sending.
Estimated true transfer cost₪0
Fixed bank fees₪0
FX spread cost₪0
Bank route all-in cost₪0
Alternative all-in cost₪0
Alternative service estimate₪0
Potential difference₪0
For planning only — not a loan, tax, or legal offer. Israeli property, mortgage, tax, and bank rules vary by buyer profile and deal structure.
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.
