How much could switching providers actually save you over a year? This calculator compares your current provider's annual cost against the cheapest available option, using live rate data for your exact corridor, amount, and frequency.
Pick a send/receive corridor, an amount, how often you send, and your current provider (Western Union, MoneyGram, Remitly, Wise, or a bank).
The calculator fetches live rates for that corridor from RemitRoutes' comparison API.
It compares your projected annual cost against the cheapest available provider from the same live results.
Annual cost = per-transfer fee × frequency multiplier for the year: weekly ×52, bi-weekly ×26, monthly ×12, quarterly ×4.
If your selected provider isn't returned in the live results for that specific corridor and amount, the calculator falls back to the average annual cost across all traditional providers in the live results and labels the figure "(estimated average)" so it is clear it is not a direct quote for your named provider.
The "best available" pick sorts every returned provider — including digital-asset rails — by total annual cost and selects the lowest, whichever type it is; the pick is purely lowest total annual cost, never biased toward either provider type.
The savings figure reflects live rates at the moment the calculator ran; both crypto off-ramps and traditional providers change pricing throughout the day, so re-running the calculator before switching confirms current numbers.
Worked example: Sending $1,000 from USD to NGN, the cheapest measured route today is Luno at 0.80% better than the mid-market rate (a measured premium, not a cost) — about $8.00 more than a mid-market transfer on $1,000, as of July 18, 2026. Rates are refreshed every 6 hours from live provider data.
You pick a send/receive corridor, an amount, how often you send, and your current provider (Western Union, MoneyGram, Remitly, Wise, or a bank). The calculator fetches live rates for that corridor from our API, multiplies your per-transfer fee by the frequency multiplier for the year (weekly ×52, bi-weekly ×26, monthly ×12, quarterly ×4), and compares that annual cost against the cheapest available provider from the same live results.
If your selected provider isn't returned for that specific corridor and amount, the calculator falls back to the average annual cost across all traditional providers in the live results and labels the figure "(estimated average)" so it's clear it isn't a direct quote for your named provider.
The calculator sorts every returned provider — including digital asset rails — by total annual cost and picks the lowest one, whichever type it is. On many corridors a stablecoin off-ramp beats every traditional option; on others a bank or Wise wins. The pick is purely lowest total annual cost, never biased toward either type.
No. It reflects live rates at the moment you ran the calculator. Rates for both crypto off-ramps and traditional providers change throughout the day, so re-run the calculator before switching providers to confirm current numbers. All data comes from real providers via our comparison API — nothing here is estimated or simulated.
Compare live rates across 370+ corridors on RemitRoutes · methodology.