Is a small transfer always cheaper by bank transfer?
No. The currency pair, amount, payment method and receiving method can change the fee. Compare the final amount received using the same inputs.
Australia · AUD
Small international transfers from Australia
For small transfers, compare the fee as a share of your budget. A fixed charge can matter more than a small difference in the exchange rate.
How much does a small transfer cost?
For small transfers, compare the fee as a share of your budget. A fixed charge can matter more than a small difference in the exchange rate.
Australian bank and Osko funding may be priced differently from a debit or credit card. Check the final payout in the recipient’s currency.
How to compare
| Decision | What to compare |
|---|---|
| 50 AUD | Illustration: a 5 AUD fixed fee is 10% of this amount |
| 100 AUD | Illustration: a 5 AUD fixed fee is 5% of this amount |
| 500 AUD | Illustration: a 5 AUD fixed fee is 1% of this amount |
A fixed-fee example, not a Wise quote
The table uses an illustrative 5 AUD charge to show the effect of payment size. It excludes conversion and other charges. Enter your real amount in Wise for the actual fee.
Choose the payment method before comparing
Bank funding and card funding can produce different prices and delivery estimates. Keep the funding method, currency pair and payout method the same across quotes, and take the quotes close together.
One payment or several?
If a fixed charge applies to each transfer, several small payments can cost more than one combined payment. Combine only when the recipient’s timing and purpose allow it; compare the total cost before deciding.
Frequently asked questions
Should I combine small payments?
If a fixed charge applies to each transfer, several small payments can cost more than one combined payment. Combine only when the recipient’s timing and purpose allow it; compare the total cost before deciding.
What else should I check before sending?
The table uses an illustrative 5 AUD charge to show the effect of payment size. It excludes conversion and other charges. Enter your real amount in Wise for the actual fee.
Official sources
Prices and eligibility depend on the transfer amount, currency pair and funding method. Confirm the current checkout price on Wise.