Business International Transfer Costs Comparison
Compare what paying a EUR business invoice really costs across bank wires, Wise, and Revolut Business — live ECB mid-market rate, provider fees, and the total delta.
Common questions
How much does a bank charge to pay an international invoice?
Traditional bank wires typically bake in a 3-4% exchange-rate markup on top of a fixed transfer fee of around EUR 25. On a EUR 12,400 invoice that is roughly EUR 430-500 lost to the spread plus the flat fee — often 20-40x what a specialist provider charges for the same transfer.
Is Wise really cheaper than a bank for business transfers?
In most cases yes. Wise converts at the mid-market (interbank) rate with no hidden spread and charges a transparent percentage fee, typically around 0.4-0.6% of the amount. On a EUR 12,400 transfer that is roughly EUR 50-75 in total, versus several hundred euros through a typical bank wire.
What is the mid-market exchange rate?
The mid-market rate is the midpoint between the buy and sell prices of two currencies on the global market — the 'real' rate you see on Google or Reuters before any provider markup. Eurorix uses the European Central Bank's daily euro reference rates as the mid-market benchmark for every comparison.
Does Revolut Business charge extra on weekends?
Yes. Revolut applies a markup (commonly around 1%) to currency exchanges made over the weekend, when the interbank FX market is closed. Weekday exchanges within your plan's fair-usage allowance can be at the mid-market rate, with a small percentage fee once the allowance is exceeded.