Savings Calculator
See what your bank is really costing you.
Banks and legacy rails quietly take 2–8% out of every cross-border payment through FX spreads, wire fees, and settlement delays. Enter your own volume below and see your actual annual leakage, compared to Request's flat-fee model. No signup required.
Leave at 0% to see fiat-only savings; stablecoin payouts are always free on Request.
Estimated annual cost, current setup
$156,300$144,000 of that is avoidable FX spread and fees.
Your current setup
FX spread + bank / swift wire fees
$156,300/yr
Cost on Request
Flat 0.5% fiat, free stablecoin payouts
$12,300/yr
Even after a platform subscription of $250–$1,250/month, you'd still net $129,000–$141,000 per year. See pricing →
Estimates are based on industry-average FX spreads and typical bank wire fees. Actual savings vary by currency corridor, provider, and payment volume.
How we calculate this
Every number is transparent and editable.
Your current setup
(Annual volume × FX spread for your method and currency mix) + (payments per month × 12 × average fee per transfer).
Cost on Request
(Fiat share of your volume × 0.5% flat fee) + (payments per month × 12 × $10 local rail fee). Stablecoin payouts are always free, regardless of volume.
Fully editable
Open “Adjust the assumptions” in the calculator to plug in your own FX spread and fee if you know them — the rest of the math updates instantly.
Straight answers
Where these numbers come from
| Question | Toggle |
|---|---|
The calculator uses typical FX spread ranges for bank/SWIFT wires and neobank/multi-currency platforms across major and emerging-market corridors, plus average per-transfer fees. Request Finance’s side uses our actual published pricing: a flat 0.5% on fiat payouts, free stablecoin payouts, and a $10 local rail fee. Open "Adjust the assumptions" to override any of it with your own numbers. | |