Payout & currency conversion calculator
What actually reaches your bank — after the withdrawal, and after the spread.
Every other calculator here stops at the platform’s wallet. But money sitting in a balance is not money in your account, and the trip between the two has its own price — most of it hidden in an exchange rate rather than charged as a fee. This prices that last leg, and will price it together with the platform’s cut if you want the whole journey in one number.
The payout
Every line of it
| In your balance | starting amount | $1,000.00 |
Currency conversion spread Applied inside the exchange rate, so it never shows up as a separate charge. | 3% of $1,000.00 | −$30.00 |
Standard withdrawal PayPal charges no fee to withdraw to an eligible linked bank account when no conversion is involved. | no fee | $0.00 |
| Total taken on the way out | −$30.00 | |
| Reaches your bank | $970.00 | |
PayPal charges nothing to move a balance to a linked bank account, which is why most people believe cashing out is free. The cost is in the conversion: when the money changes currency, PayPal applies a spread inside the exchange rate rather than charging a fee you can see. It never appears as a line on a statement, so it is the single most-missed cost in this whole chain.
What this calculator does not cover
- The instant-transfer fee carries a minimum that varies by withdrawal currency. PayPal publishes it as a per-currency table rather than one figure, so it is not applied here — on small withdrawals your real cost will be higher than the percentage alone.
- PayPal states each spread as "or such other amount as may be disclosed to you during the transaction", so the rate you are shown at the moment of conversion is the one that governs.
- Receiving fees on the original payment are a separate charge and are not part of this page. Use the PayPal fee calculator for that leg.
The fee you see is the small one
PayPal charges nothing to withdraw. That is not marketing; it is what the published schedule says, and it is true. Move a balance to an eligible linked bank account and the fee is zero.
And then it takes 3% in the exchange rate. PayPal publishes a currency conversion spread of 3.00% for a standard conversion and 4.00% for goods and services or Payouts. A spread is not charged, it is embedded — you are simply given a worse rate than the real one. Nothing on your statement will ever name it. On $1,000 that is $30, against a visible withdrawal fee of nothing at all.
This is the shape of the whole problem. People compare withdrawal fees, which are small and visible, and ignore conversion spreads, which are large and invisible. The arithmetic above puts them on the same page so they can be read side by side.
Why one provider shows a range
Payoneer publishes 1.2%–4% for a bank withdrawal rather than a single rate, and states that the figure depends on your corridor. That band is more than three times wide. Averaging it would produce a tidier page and a number that exists nowhere, so both endpoints are offered and the choice is yours — your own rate is shown in your Payoneer account.
What this page will not do
It will not tell you which provider to use. The cheapest route on a given day depends on your corridor, your amount and your bank, and two of those three are not published by anyone. It states what each provider publishes and does the arithmetic; the choice is a judgement about your own situation, not one this site has any standing to make.
Questions
PayPal says withdrawals are free. Why does this show a cost?
Because both are true. PayPal charges no fee to move a balance to an eligible linked bank account, and that is exactly what its schedule says. The cost arrives separately, as a currency conversion spread applied inside the exchange rate — 3.00% on a standard conversion, 4.00% on goods and services or Payouts. It is never itemised on a statement, because it is not a fee: it is a worse exchange rate. On $1,000 converted, that is $30 you will not find on any receipt.
Why does Payoneer show a range instead of a rate?
Because a range is what Payoneer publishes. Its pricing page states 1.2%–4% for a bank withdrawal and says plainly that the figure depends on sender and recipient location, payment method and currency corridor, and that your exact rate is visible once you are signed in. The two endpoints are more than three times apart, so collapsing them into an average would produce a number that appears on no page anywhere and would hide how much the answer actually varies. Both ends are offered instead.
Why is Wise not one of the options?
Because it cannot be sourced the way the others can. Wise quotes its fee live, per currency corridor and per amount, so there is no published rate that could be read once and dated — which is the standard every figure on this site has to meet. Rather than invent one, there is an "Enter your own" route: put in the rate Wise quotes you and the arithmetic is identical. That also makes it a way to check whether the rate you were quoted is the rate you actually received.
What is a conversion spread, exactly?
The gap between the real mid-market exchange rate and the rate you are given. If the mid-market rate is 1.10 and you are paid at 1.067, the missing 3% went to the provider. It behaves exactly like a fee and costs exactly like a fee, but because it is expressed as a rate rather than a charge it does not appear in any fee total — including, usually, the one the provider shows you.
Why chain a platform onto the payout?
Because the platform fee is only the first cut. A $1,000 Fiverr gig leaves $800 after Fiverr's 20% — but that $800 is still inside Fiverr, and moving it into a bank account in another currency costs again. Switching on the platform chain prices both legs together and reports the share of the client's money that survives all of it. The platform side uses the same engine as all 16 calculators here, so the two can never disagree.
Does this include the fee on the original payment?
No. This page prices the money leaving a balance, not the money arriving in it. If you want the receiving leg — what a marketplace or processor took when the client first paid — that is what the platform calculators do, and the chain switch here joins the two together rather than restating either.