CURRENCY

FX Loss Calculator

Compare Wise, Payoneer, WorldFirst and Airwallex using editable FX spread, transfer fee and rate movement assumptions.

Live result

Provider comparison

USD revenue-
Best local amount-
Best provider-
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Provider Local received Total loss Effective received Mainland China availability Official reference

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Shared conversion assumptions
Editable provider fee presets

Official fee pages are complex and region-dependent. These presets are planning references only. Edit them to match your account, currency pair and payout route.

Wise

Official pricing states Wise uses the mid-market rate and charges a variable conversion fee from 0.57%. Mainland China availability is route-dependent: some account and transfer features may be available, but exact receiving and payout capability should be checked for the target currency route.

Wise pricing · Wise supported countries

Payoneer

Official fee pages list multiple cases: currency conversion between balances can be around 0.5%, while some card or withdrawal routes can be materially higher. Mainland China individual and company account registration is explicitly supported through Payoneer China onboarding guides, subject to KYC and business review.

Payoneer fees · Payoneer China

WorldFirst / Airwallex

WorldFirst publishes low FX markup references such as 0.3%-0.5% for common scenarios and is mainly positioned for cross-border ecommerce and B2B merchants. Airwallex publishes 0.5% for major currencies and 1.0% for many others; Mainland China onboarding is generally business-oriented and requires company/KYC documents.

WorldFirst China · Airwallex China · Airwallex China KYC docs