Bank-Level Friction & Hidden FX Spreads
Why fixed SWIFT wire fees are deceptive: compare actual landed cash across recipient banks.
| Bank & Rail | Inward Tariff | FX Spread | SHA Cut | Net Landed | Effective Loss |
|---|---|---|---|---|---|
JPMorgan Chase Fedwire / CHIPS (USD) · SWIFT gpi | $20.00 | 460 bps | -$20.00 | Rs 254,078 | 8.4% |
Citibank Fedwire / CHIPS (USD) · SWIFT gpi | $30.00 | 658 bps | -$26.50 | Rs 244,528 | 11.9% |
Bank of America Fedwire / CHIPS (USD) | $22.00 | 502 bps | -$22.50 | Rs 251,773 | 9.2% |
HBL (Pakistan) Raast · SBP interbank clearing | $8.00 | 211 bps | -$18.00 | Rs 264,511 | 4.7% |
Meezan Bank Raast · SBP interbank clearing | $31.00 | 677 bps | -$15.00 | Rs 246,747 | 11.1% |
Bank Alfalah Raast · SBP interbank clearing | $18.00 | 412 bps | -$15.00 | Rs 257,218 | 7.3% |
Standard Chartered (Pakistan) Raast · SBP interbank clearing | $35.00 | 761 bps | -$11.00 | Rs 244,523 | 11.9% |
JPMorgan Chase Fedwire / CHIPS (USD) · SWIFT gpi | $20.00 | 460 bps | -$20.00 | Rs 254,078 | 8.4% |
Citibank Fedwire / CHIPS (USD) · SWIFT gpi | $30.00 | 658 bps | -$26.50 | Rs 244,528 | 11.9% |
Corridor bank directory
208 high-density rails, filtered live in your browser — country, currency, SWIFT BIC or clearing rail.
Showing 208 of 208 corridors
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Annual leakage estimator
How much quiet money leaks annually?
You lose approximately $1,506 USD every year to silent banking friction.
- Intermediary SWIFT fees lost per year$180 – $420
- Retail FX margin shaved per year$900 – $1,512
Estimate assumes ~1 inbound wire per month at the $15–$35 SHA cut plus a 2.5%–4.2% sender-bank retail FX margin on your annual invoiced volume. Informational — verify against your credit advice. Read the comparison guides.
How the audit works
1. Pick the amount
Slide $100 to $100,000. Fixed fees amortize while spreads scale — the best channel flips as you grow.
2. Choose the client
Upwork (10%), Fiverr (20%) or a direct invoice (0%) sets the first deduction before any conversion.
3. Compare channels
SWIFT, local bank, Wise, Payoneer and Remitly are ranked by the local currency you actually receive.
All fee tables ship in the open dataset data/fees.json (revision 2026-09-27) and are auditable in the about page.