See the fee they're hiding in your exchange rate.
Paste two transfer quotes. We'll show you who actually gives your family more — the hidden FX markup, side by side, in 30 seconds.
Why quotes lie (a little)
A provider can shout “zero fees” while quietly giving you a worse exchange rate. That gap — the hidden FX markup — is often 2–10% of your transfer. This tool turns it into one honest number per provider.
Markup, exposed
Each quote is measured against a no-fee mid-market conversion, so fees and bad rates can't hide from each other.
Neutral by design
No provider pays for placement. The winner is whichever quote puts more money in your recipient's hands.
Shareable verdicts
Your comparison is encoded in the link itself — send it to family, no account or server involved.
Print-ready
One click prints a clean verdict sheet to compare against the quote on your phone.
Popular corridors
Start with a corridor preset — or build any currency pair in the calculator.
Questions, answered
What is a hidden FX markup?
The gap between a provider's exchange rate and the true mid-market rate. Providers that advertise “no fee” usually take their cut here. We express it as a percentage of a no-fee mid-market conversion, so two quotes can be compared apples-to-apples.
Where do I find the mid-market rate?
Search “1 USD to PHP” (or your pair) in any search engine, or check your bank's published rate — the figure with no provider markup. Enter it manually; we never fetch rates silently.
Is my data sent anywhere?
No. Every calculation runs locally in your browser. Your data never leaves your device; the only network requests on this page are the site's own analytics (Google Analytics and a Cloudflare beacon), which load when the page opens. Share links encode your comparison in the URL — nothing touches a server.
Is this financial advice?
No. It's an arithmetic comparison of two quotes you provide. We are not a money transmitter. Always confirm the final rate and fee with the provider before sending money.