Calculator
Business FX payment cost calculator
A plan fee, a percentage and a fee per payment add up differently for one large payment than for many small ones. Enter what your business sends from pounds to US dollars in a month and see what each provider charges for it, cheapest first.
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For 1 payment of £10,000 a month (£10,000 in all), the lowest published cost is £35.00 a month, at Revolut Business Grow and Wise Business.
- Revolut Business Grow£35.00
- Conversion
- £0.000.60% after £15,000 free
- Payment fees
- £0.00£5.00 each after 5 included
- Plan
- £35.00
- Wise Business£35.00
- Conversion
- £35.000.35%
- Payment fees
- £0.00None per payment
- Plan
- £0.00plus £50 once to open
- Starling Business£45.50
- Conversion
- £40.000.40%
- Payment fees
- £5.50£5.50 each
- Plan
- £0.00
- Airwallex Explore£69.00
- Conversion
- £50.000.50%
- Payment fees
- £0.00None per payment
- Plan
- £19.00
- Revolut Business Basic£69.00
- Conversion
- £54.000.60% after £1,000 free
- Payment fees
- £5.00£5.00 each
- Plan
- £10.00
- Airwallex Grow£99.00
- Conversion
- £50.000.50%
- Payment fees
- £0.00None per payment
- Plan
- £49.00
- Tide Pro£102.49
- Conversion
- £75.000.75%
- Payment fees
- £0.00None per payment
- Plan
- £27.49
- ANNA Big Business£109.90
- Conversion
- £50.000.50%
- Payment fees
- £0.00None per payment
- Plan
- £59.90
- ANNA Grow£117.90
- Conversion
- £100.001.00%
- Payment fees
- £5.00£5.00 each
- Plan
- £12.90
- Tide Max£119.99
- Conversion
- £50.000.50%
- Payment fees
- £0.00None per payment
- Plan
- £69.99
- ANNA Business£122.90
- Conversion
- £100.001.00%
- Payment fees
- £0.00None per payment
- Plan
- £22.90
- Tide Smart£137.99
- Conversion
- £125.001.25%
- Payment fees
- £0.50£0.50 each
- Plan
- £12.49
- Tide Free£151.00
- Conversion
- £150.001.50%
- Payment fees
- £1.00£1.00 each
- Plan
- £0.00
- Lloyds Bank Business£285.00
- Conversion
- £260.002.60%
- Payment fees
- £15.00£15.00 each
- Plan
- £10.00
- Santander Business£332.50
- Conversion
- £300.003.00%
- Payment fees
- £25.00£25.00 each
- Plan
- £7.50
Published fees only, from each provider’s own pricing page or fee schedule, checked October 2026. The percentage is the one for pounds to US dollars; other currencies can cost more.
How it is worked out
Three parts, added up for the month. The conversion: each provider’s percentage on the month’s total, less any amount its plan converts free each month. The payment fees: its fee per international payment, times your payments, less any its plan includes. The plan: its monthly fee. These are the figures the business FX comparison scores, with your payments in place of its single £10,000 one.
A few conditions sit outside the arithmetic. Revolut’s percentage is for weekdays in market hours; it charges more outside them. Airwallex waives its plan fee for a business that deposits or holds £10,000 a month, so a business sending that much may not pay it. Starling’s per-payment fee is its SWIFT fee, which applies to every currency; some can go by a cheaper local route. A one-off fee to open an account is shown under the plan, not added to the month.
For one payment worked through by hand, see the guide to paying a US supplier from a UK business.