TOOL · BANKING
International Transfer Cost Calculator
Get a rough picture before you send: send fees, exchange-rate cost (FX), and how much may reach the other person.
- See three common ways people send (bank, app bank, transfer company)
- See why the exchange rate can cost more than the fee line
- See a simple total range before you check each app
- Use it to avoid surprises on international transfers
Answer four short steps. We mix your send size and the other person’s currency with simple fee ranges and exchange-rate cost ranges from our notes — not live prices from any bank or app. Use the result as a first check, then copy the real numbers from each provider’s own screen.
More tools and guides
Pair this tool with the Bank comparison tool, the Banking cost estimator, the International transfers guide, and Cheapest bank accounts — then double-check every euro on the official sites.
Last review of our planning notes: 2026-05-01 (editorial_transfer_cost_bands_v1).
Before you start
This page is for planning only. It is not legal, tax, immigration, or personal financial advice. The ranges are our editorial planning bands — real prices and rates change all the time. Always confirm how much arrives on each provider’s official screen. Affiliate links on other pages do not change how this tool counts.
Use the calculator
Progress
Step 1 of 4 — 25%
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Transfer basics
We model euros you send from the Netherlands. The recipient’s currency only changes how wide we draw the exchange-rate cost range — we never load a live rate from the market.
Pick how many euros you want to think about — we only model money leaving your Dutch euro account.
What this calculator does
Fees and exchange rate, together
We add a simple send-fee range and a simple exchange-rate cost range on your amount. That matches real life: a “low fee” can still mean less money arrives if the rate is weak.
Three common ways to send
- Traditional bank: in our model, often higher fee and exchange-cost ranges.
- Digital bank: in our model, often in the middle — still check your plan and route in the app.
- Transfer company: in our model, often lower ranges for many non-euro sends — paying by card can add extra cost.
We do not pick a winner
Later you will see a short list of names for reading order, with links where we have them. This tool does not read partner data and does not change numbers for affiliate income.
Before you send money abroad
What to compare before you send
- How much arrives: on each site, use the same send amount, same payout type, and the same time of day when you compare.
- The exchange rate: compare the rate you are offered with a rate you trust online. A small gap on the rate grows with the send size.
- Speed vs cost: very fast options can cost more or use a weaker rate on some routes.
- How you pay in: paying by card can cost more than paying from your bank account — read the fee lines before you confirm.
Guides to read next
These pages explain fees and exchange rates in more detail than this tool.
International transfers from the Netherlands
Fees, exchange rates, timing, and how to compare what arrives — full guide.
Banking fees & costs
What Dutch banks often charge — helpful next to transfer tools.
Traditional vs digital banks
When a branch bank, app-only bank, or both may fit your daily money.
Bank comparison tool
Short questions about everyday Dutch banking — not transfer prices.
Banking cost estimator
Rough monthly and yearly costs for accounts, cards, and cash machines.
Cheapest bank accounts
What “cheap” can mean for Dutch accounts — ideas, not one live winner.
Banking hub
All banking guides in one place.
Frequently asked questions
No. We use simple fee ranges and simple exchange-rate cost ranges from our own notes — not the live rate. Rates change all the time. Before you send, always check the number in each bank or app while you are logged in.
No. We show a rough value in euros after the costs we model on your side. The real amount in dollars, pounds, or another currency still depends on that day’s rate and the other person’s bank. Check both on the official screen before you confirm.
Real fees and exchange costs change by route, customer type, and product. A low–high range is honest: it shows we do not know your exact price without checking each provider.
No. We do not pick a winner. The provider list is fixed for reading order only, with links where we have them. The three path cards describe common patterns — not a scoreboard.
No. This site gives general education only. Read each bank or app’s own terms and price list before you send money.
Some links may earn us a commission. That does not change your scores or which banks we suggest. The numbers here use only your answers and our simple planning ranges.
You do not need an account. We do not save your answers on our servers. If you copy a summary, it only exists where you paste it.