Comparator
The real cost of every payout method
Enter an amount: every payout method available in the selected country is quoted by the same engine that prices a real order, then ranked by real cost. No editorial ranking, no promoted partner — the order comes out of the calculation.
Compare on a real amount
A fee comparison in percentages is worthless without an amount: a fixed 25 USD fee does not weigh the same on 300 USD and on 30,000 USD. The whole calculation is therefore redone whenever the amount changes.
Ranking is by gap to mid-market, not by net amount: two rails in the same country may settle in different currencies, and comparing their amounts directly would mean nothing. Quotes are indicative; only one attached to an order is firm.
How to read this ranking
Three reading precautions. They head off the three most common mistakes people make when comparing conversion offers.
- Ranked in basis points, not in amounts
- Rails in the same country do not always settle in the same currency. Comparing 920 EUR with 1,000 USD means nothing; comparing 150 bps with 190 bps means something. The gap to mid is dimensionless, so it compares everywhere.
- Cheapest is not always right
- A cheaper rail settling in three business days is not equivalent to a slightly dearer instant one. The typical time is in the table precisely so the trade-off stays yours, not as decoration.
- A rail outside its limits stays visible
- When the amount falls below a minimum or above a ceiling, the row remains with the exact limit rather than disappearing. Knowing a rail exists but does not fit this amount is useful information.
- The deposit network changes the ranking
- The on-chain withdrawal cost is part of the calculation. Switching network for the same asset can move the whole table, especially on small amounts. It is the only input here that does not depend on the rail.
- Quotes are indicative
- They are recomputed live but do not bind us. The rate that binds is locked when the order is created and holds for the whole deposit window shown on screen.
- No rail is promoted
- Sorting is purely numerical. We have no priority partner and no rail-dependent margin: our spread depends only on the asset and the maturity of the corridor, never on the payout method.
What the price does not tell you
At equal cost these criteria often decide better than the amount does. They are structural: they come from the rail itself, not from us.
| Payout method | Type | Window | Cut-off | Median time | p95 time | Countries |
|---|---|---|---|---|---|---|
| Virement SEPA Instantane | Instant transfer | 24/7 | — | under 5 minutes | 12 min | 20 |
| Virement SEPA | Bank transfer | Business days | 15:00 | about 4 hours | 1 d | 31 |
| Faster Payments | Instant transfer | 24/7 | — | under 5 minutes | 30 min | 1 |
| ACH | Bank transfer | Business days | 17:00 | 1 business day(s) | 3 d | 1 |
| Domestic Wire | Bank transfer | Business days | 15:00 | about 3 hours | 1 d | 1 |
| Interac e-Transfer | Instant transfer | 24/7 | — | about 5 minutes | 1 h | 1 |
| PayPal | Wallet | 24/7 | — | about 10 minutes | 3 h | 18 |
| Wise | Wallet | 24/7 | — | about 30 minutes | 12 h | 18 |
| Revolut | Instant transfer | 24/7 | — | under 5 minutes | 20 min | 12 |
| PIX | Instant transfer | 24/7 | — | under 5 minutes | 10 min | 1 |
| SPEI | Instant transfer | 24/7 | — | under 5 minutes | 45 min | 1 |
| Nequi | Wallet | 24/7 | — | about 5 minutes | 2 h | 1 |
| Transferencia CBU / CVU | Instant transfer | 24/7 | — | about 5 minutes | 3 h | 1 |
| M-Pesa | Mobile money | 24/7 | — | under 5 minutes | 45 min | 1 |
| Virement bancaire NIP | Instant transfer | 24/7 | — | under 5 minutes | 1 h | 1 |
| MTN Mobile Money | Mobile money | 24/7 | — | under 5 minutes | 1 h | 1 |
| Wave | Mobile money | 24/7 | — | under 5 minutes | 1 h | 4 |
| Orange Money | Mobile money | 24/7 | — | about 5 minutes | 2 h | 5 |
| GCash | Wallet | 24/7 | — | under 5 minutes | 1 h | 1 |
| Virement FAST | Instant transfer | 24/7 | — | about 5 minutes | 2 h | 1 |
| Virement bancaire AED | Bank transfer | Business days | 14:00 | about 4 hours | 1 d | 1 |
| Virement international SWIFT | Bank transfer | Business days | 13:00 | 2 business day(s) | 5 d | Worldwide |
The p95 time is what the slowest 5 % of operations experience. That is the number to look at if you have a deadline: the median describes the normal case, the p95 describes the bad day.
Why publish the p95 and not just the median
A 5-minute median with a 24-hour p95 and a 5-minute median with a 30-minute p95 describe two very different services. Showing only the median hides the variance — which is exactly the part that hurts when it happens to you.
The payout methods missing from this comparator
iDEAL, Bizum, BLIK, TWINT, Satispay, MB WAY and QRIS are not in this table, and it is not an oversight: they are collection rails. They let you pay a merchant, not receive funds. No provider can push money into them on your behalf. In each of those cases we credit the underlying IBAN through the matching rail.
Questions about comparing
Do you compare your fees with other providers?
No, deliberately. A competitive comparison published by one of the competitors proves nothing, and other providers change their pricing without notice. We publish our method for computing the effective rate instead: it applies as is to any offer, including to judge us unfavourably.
Why do two rails in the same currency not cost the same?
Because the rail fee differs, and because a beta rail carries an extra surcharge until its failure rate settles. The spread itself is identical: it never depends on the payout method chosen.
Does the comparator account for my personal limits?
It applies the rail’s limits, which are public. It does not apply your verification tier, which depends on your account. The ceiling that actually binds is the lower of the two: the Limits page details the tiers.
Can I compare an amount to receive rather than an amount to sell?
On this page the input is the amount sold, so every row starts from the same deposit. The calculator accepts both directions and solves the deposit required for a target net amount.
Are the times shown guaranteed?
No. They are market orders of magnitude, replaced by our own measurements as soon as a rail runs in production. A rail’s time depends on institutions we do not control; presenting it as a guarantee would be dishonest.
Why do some rails show an error?
Usually because no fresh rate is available for that asset/currency pair right now, or because the amount falls outside the accepted bounds. The exact message appears in the Status column rather than hiding behind a blank row.