Please see Terms of Use or visit Wise Fees & Pricing for the most up to date pricing information.
We're changing our fees for sending USD outside the US from 18 June 2025. For new customers, the fees apply from 18 June 2025. For existing customers, new fees apply according to our customer notice period.
Read about customer notice periods here
Fees for sending money for local USD payouts
The total Wise fee will vary depending on the currency you’re sending from and how you pay for your transfer, such as Wire, ACH or your Wise balance — you’ll see the total fee when you set up a transfer.
How USD payouts work for Hong Kong, Singapore, and Ukraine
Sending money with the local USD payment network happens through our partnerships with domestic banks. The money travels on domestic payment rails, instead of Swift, which makes your local USD payout faster, ensuring the recipient gets the exact expected amount.
The easiest way to see the total fee is by setting up a transfer in the Wise app. Once you’ve added your recipient, we’ll be able to show you the exact fee — you’ll always see this before you send your money.
For USD payments to Hong Kong, sometimes the beneficiary bank in Hong Kong may charge some fees. This may be deducted directly from the amount sent, or charged to the recipient separately by their beneficiary bank. If it's the former, the recipient will receive less than you have sent them. If a payment is unsuccessful, your refund might also be less than what you originally sent due to these charges.
Hong Kong
When you're sending USD to a bank account in Hong Kong the total fee for your transaction depends on:
The currency you're converting to
How you pay for your transfer
An additional flat fee of 8.44 USD to cover the cost of using the domestic payment rails in Hong Kong — this helps you avoid additional Swift fees
Examples
USD balance: You’re sending USD to Hong Kong and you want them to receive 1,000 USD. When you fund this transfer from your USD balance, it will cost 9.57 USD. This is a single, fixed fee for this type of transfer.
USD wire: You’re sending USD to Hong Kong and you want them to receive 1,000 USD. When you fund this transfer via USD wire, it will cost 14.55 USD. This is a single, fixed fee for this type of transfer.
EUR bank transfer: You’re sending USD to Hong Kong and you want them to receive 1,000 USD. When you fund this transfer via a EUR bank transfer, it will cost about 13.11 EUR. This is a single, fixed fee for this type of transfer.
Singapore
When you're sending USD to a DBS bank account in Singapore, the total fee for your transaction depends on:
The currency you're converting to
How you pay for your transfer
An additional flat fee of 9.25 USD per transaction to cover the cost of local payment rails.
Send USD to any other bank account in Singapore, and we’ll pay out your USD via Swift.
Examples
USD balance: You’re sending USD to Singapore and you want them to receive 1,000 USD. When you fund this transfer from your USD balance, it will cost 10.38 USD. This is a single fixed fee for this type of transfer.
USD wire: You’re sending USD to Singapore and you want them to receive 1,000 USD. When you fund this transfer via USD wire, it will cost 15.36 USD. This is a single fixed fee for this type of transfer.
EUR bank transfer: You’re sending USD to Singapore and you want them to receive 1,000 USD. When you fund this transfer via a EUR bank transfer, it will cost 13.82 EUR. This total fee is made up of a €9.66 EUR fixed fee, plus a variable fee of 0.47% of the amount sent.
Ukraine
When you’re sending USD to a PrivatBank account in Ukraine, the total fee for your transaction depends on:
The currency you’re converting to
How you pay for the transfer
A variable fee of 2.11% and a 1.13 USD fixed fee to cover the cost of using domestic payment rails and helps avoid additional Swift fees.
Send USD to any other bank account in Ukraine, and we’ll pay out your USD via Swift.
Examples
USD balance: You’re sending USD to a PrivatBank recipient in Ukraine and you want them to receive 1,000 USD. You fund this transfer from your USD balance. Your transfer will cost 23.36 USD. This total fee is made up of a single fixed fee of 2.26 USD, plus a variable fee of 2.11% of the amount sent.
USD wire: You’re sending USD to a PrivatBank recipient in Ukraine and you want them to receive 1,000 USD. When you fund this transfer via USD wire, it will cost 28.34 USD. This total fee is made up of a 7.24 USD fixed fee, plus a variable fee of 2.11% of the amount sent.
EUR bank transfer: You’re sending USD to a PrivatBank recipient in Ukraine and you want them to receive 1,000 USD. When you fund this transfer via a EUR bank transfer, it will cost about 25.27 EUR. This total fee is made up of a 21.05 EUR fixed fee, plus a variable fee of 0.47% of the amount sent.