Wise Transfer Fee Calculator for Sri Lanka

Wise (formerly TransferWise) prices transfers differently from a bank. A bank usually hides its profit inside a marked-up exchange rate; Wise instead converts at the mid-market rate — the real interbank midpoint you see on Google — and charges a transparent fee up front. This calculator models that fee for a transfer landing in a Sri Lankan rupee (LKR) bank account.

For a send amount A in currency C paid by method m, the fee has three parts and the conversion follows:

1. Fixed fee — a small flat charge per currency (about USD 0.61, GBP 0.23, EUR 0.28). Source: Wise pricing page.
2. Variable fee= percentage × A, where the percentage is Wise's published rate for that currency route to LKR (USD ≈ 0.63%, GBP ≈ 0.45%, EUR ≈ 0.50%).
3. Payment-method surcharge = surcharge × A. Bank transfer/ACH is the baseline at 0%; a debit card adds about 1.5% and a credit card about 2.5%, because Wise passes card-processing costs through.
4. Total fee = fixed + variable + surcharge, all in the source currency.
5. Converted amount = A − total fee. Wise deducts the fee before converting.
6. LKR received = converted amount × mid-market rate. Wise applies no markup to this rate — that is the whole point, and the key reason it beats a bank SWIFT wire.

The tool cross-checks every result two ways — the step-by-step itemisation above and a single combined formula A − (F + (v + p) × A) — and both agree to the cent. Because Wise updates fees periodically, the constants carry a last-verified date and the calculator links to Wise's live tool so you can confirm before sending. The exchange rate is a field you control, so the math stays exact even as the live rate moves.

• Wise — Pricing (fixed fee + variable percentage model)
• Wise — Send money to Sri Lanka (LKR route, indicative fees)
• Wise — Currency converter (mid-market rate reference)
• Payoneer — Pricing (indicative comparison figures)

Wise's fixed fees and percentages on this page were last cross-checked against Wise's pricing and Sri Lanka route pages on 2026-07-15. The Payoneer and bank-SWIFT figures in the comparison are clearly-labelled indicative models, not authoritative quotes. Confirm the live fee on Wise before transferring.