How much does Wise charge for $100?

Wise usually charges between $0.50 and $4.00 to send or convert $100, with the exact amount depending on the target currency and how you pay for the transfer.

Wise converts at the mid-market exchange rate and shows its fee upfront. That fee has two parts: a variable percentage of the amount and a small fixed charge. Because both parts change by route and payment method, there is no single flat price for a $100 transfer.

The target currency shapes the percentage part of the fee.

• Major currencies: Converting USD into currencies such as EUR, GBP or CAD typically carries a variable fee starting at roughly 0.19% to 0.45%.
• Less traded or restricted currencies: The variable fee can rise to around 1% to 2%, depending on how liquid the destination currency is.

How you fund the $100 mainly affects the fixed part of the fee.

• Wise balance or ACH: Paying from an existing USD balance or by ACH keeps the fixed portion small, often well below $1.
• Bank wire: Your own bank may charge a fee to send the wire, and Wise may add a small extra charge for handling manual wires.
• Debit or credit card: Card funding is convenient but adds processing costs that raise the fixed fee noticeably on a small $100 transfer.

Since the fee depends on your specific route, the live calculator on the Wise pricing page shows the exact charge for your currency pair and payment method before you confirm a transfer.