Scenario A
Scenario B
Sender debit = principal + fixed fee + principal × sender rate
Recipient proceeds = max(principal × (1 − FX spread) − deduction, 0)
Total cost = sender debit − recipient proceeds
ILLUSTRATIVE SCENARIO
Both scenarios start with identical fictional costs. Every input is an assumption in the same USD-equivalent unit. Sender fees are paid on top; conversion and recipient deductions reduce the amount received. No live rates, provider prices, WAB tariff, settlement speed or promised savings are represented.
What the model shows
A payment has both a sender cost and a recipient result. Comparing only the transfer fee can miss the conversion spread or a deduction at the receiving end.
Sender fees are added to the principal. Conversion and recipient deductions reduce proceeds. The difference between sender debit and recipient receipt is the total modelled cost, divided by principal for a percentage.
Read the assumptions
Every value is a user assumption in the same USD-equivalent unit. The two scenarios begin identically. There are no live exchange rates, provider quotes, WAB prices or measured settlement-speed claims.
Financing alternatives