B2B international payments carry their own cost structure — larger amounts, correspondent-bank fees, and compliance documentation needs. This calculator compares SWIFT bank wires, Wise Business, and crypto settlement for business-scale international payments.
Enter your typical payment amount and frequency.
The tool compares SWIFT bank wire costs (fees + FX markup + correspondent-bank fees), Wise Business live quotes, and crypto settlement costs side by side.
It projects annual cost across your payment volume for each option.
SWIFT wires may route through up to several correspondent banks, each deducting $15–30, on top of the sender's own wire fee and any FX markup — a business sending $5,000 monthly via bank SWIFT typically pays $185–275 per transfer in total costs.
Wise Business uses the mid-market rate plus a transparent fee, with additional features (multi-currency accounts, batch payments, API access) that don't change the core per-transfer cost math.
Crypto settlement for business payments follows the same on-ramp/network/off-ramp cost structure as consumer crypto rails, typically landing at a fraction of SWIFT's cost for the same notional.
Switching from bank wires to Wise Business or crypto settlement on that same $5,000 example can cut per-transfer cost to $25–75 — $1,300–3,000 in annual savings over 12 monthly payments.
Worked example: Sending $1,000 from USD to INR, the cheapest measured route today is Coinbase at 2.60% better than the mid-market rate (a measured premium, not a cost) — about $26.00 more than a mid-market transfer on $1,000, as of August 23, 2026. Rates are refreshed every 6 hours from live provider data.
In most jurisdictions, yes. Businesses can use cryptocurrency to settle international invoices, though the tax treatment varies by country. You should maintain records of each transaction including wallet addresses, timestamps, amounts, and the business purpose. Consult a tax professional familiar with digital assets in your jurisdiction.
Wise Business offers multi-currency accounts, batch payments, API access for automation, role-based team access, and automatic invoice generation. Business accounts also have higher transfer limits and dedicated support. Fees are similar to personal accounts but with additional features for accounting integration.
When you send a SWIFT wire, the payment may pass through one or more intermediary (correspondent) banks before reaching the recipient's bank. Each intermediary can deduct a fee — typically $15-30 per bank. These fees are unpredictable and often not disclosed upfront, which means your recipient may receive less than expected.
A business sending $5,000 monthly via bank SWIFT typically pays $185-$275 per transfer in total costs (fees + FX markup). Switching to Wise Business or crypto settlement can reduce that to $25-$75 per transfer. Over 12 months, that is $1,300-$3,000 in savings — more for larger or more frequent payments.
Regardless of payment method, keep: the commercial invoice or contract, proof of payment (bank confirmation, transaction ID, or blockchain hash), the exchange rate used, all fees charged, and the business purpose. For crypto payments, also record wallet addresses and the exchange or on-ramp used. Your accountant will need these for tax reporting and audit purposes.
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