~/tools/remittance-compare
ToolsRemittance comparison calculator
A low fee with a poor rate routinely loses to a higher fee with a fair rate, and you cannot see it without running both to the end. Enter the amount you are sending and each offer's rate and fee; the winner is whichever delivers more on the other side.
The better offer
Offer B
It delivers 8.9 more to the recipient.
Offer A delivers
1,074.6
Offer B delivers
1,083.5
Fees are taken from the amount before conversion, the way most remitters charge. Watch for a second fee on the receiving side — some services charge both ends.
How this calculator works
The only figure that matters in a remittance is what the recipient collects. This calculator runs the full arithmetic for two offers side by side: your amount minus each fee, converted at each offered rate. The winner is whichever delivers more — an answer that fee-only or rate-only comparison gets wrong constantly.
A worked example
Sending $200. Service A: $5 fee, rate 29.4 → 195 × 29.4 = 5,733 arrives. Service B: 'zero fees', rate 28.5 → 200 × 28.5 = 5,700 arrives. The free-looking service delivers 33 less. Reverse the amounts — send $50 — and A's fixed $5 fee bites harder: 45 × 29.4 = 1,323 against B's 1,425. The winner depends on the amount.
Common questions
- Why does the winner change with the amount?
- Fixed fees and percentage margins scale differently. A flat $5 is 10% of a $50 transfer but 0.5% of $1,000, while a rate margin costs proportionally at every size. Small transfers favour zero-fee-worse-rate offers; large ones favour flat-fee-better-rate. Run your real amount, not a round one.
- What should I check besides fee and rate?
- Speed, and the recipient's side: whether a cash pickup point takes its own cut, whether the receiving bank charges a landing fee, and what the recipient confirms they actually collected last time. A service that looks best on paper can lose on the ground — one test transfer settles it.
- Are stablecoin transfers actually cheaper than remittance apps?
- Sometimes — network fees on TRC20 are cents — but the full route is send-side conversion, network fee, and receive-side conversion to cash, and each end carries its own spread. The USDT-vs-Western-Union article prices the whole chain honestly, including the risks apps don't have.
What this tool can't tell you
The comparison is only as current as the rates you type, and it stops at the amount delivered — it can't see delivery speed, pickup fees on the receiving end, or transfer limits. For repeated sends, re-check monthly: providers reprice, and last quarter's winner often isn't this one's.
These tools are for education. They work from the numbers you type and cannot see your accounts, verify who owns an address, or account for your circumstances. Nothing here is financial advice.