Open Financial Intelligence • Zero Sponsored Bias • Real Math

Radical fee transparency for global contractors & founders.

Payment gateways silently shave 2% to 4% off international payouts through padded exchange spreads. See your exact take-home pay before you withdraw.

$2,000 USD
$
$100$5,000$10,000$20,000
Live Interbank Benchmark:1 USD = 278.40 PKR

Comparative Take-Home Verdict

Live sequential mathematical deduction

Maximum Value Retention
W

Wise (TransferWise)

Recommended

Zero currency markup • 0.45% transparent transfer fee

Net in Bank Account
₨ 554,294
Applied Rate:278.40
Transfer Fee:$9.00
Hidden FX Loss:$0.00 (0%)
Settlement:Same Day / 2h
P

Payoneer to Bank / JazzCash

$1.50 withdrawal fee + 2.0% currency spread

Net in Bank Account
₨ 545,255
-₨ 9,039 vs Wise
Applied Rate:272.83
Fixed Fee:$1.50
Spread Loss:$40.00 (2.0%)
Settlement:2 - 24 Hours

Commercial Bank SWIFT Wire

Meezan, HBL intermediary fees + 2.8% bank margin

Net in Bank Account
₨ 534,444
-₨ 19,850 vs Wise
Applied Rate:270.60
Intermediary Fee:$25.00
Total Bank Take:$81.00 (4.0%)
Settlement:3 - 5 Days
Financial Verdict: By using Wise instead of Payoneer on this invoice, you keep:+₨ 9,039 in pocket
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