Savings Calculator
See what your bank is really costing you.
Banks and legacy rails quietly take 1.5-3% in FX spread, plus fixed wire fees, out of every cross-border payment. 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 bank-transfer-only savings; stablecoin payouts are always free on Request.
Estimated annual cost, current setup
$66,300$54,000 of that is avoidable FX spread and fees.
Your current setup
FX spread + bank / swift wire fees
$66,300/yr
Cost on Request
0.5% + fixed fee bank payouts, free stablecoin payouts
$12,300/yr
Even after a platform subscription of $250–$500/month, you'd still net $48,000–$51,000 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
(Bank transfer share of your volume × 0.5%) + (payments per month × 12 × $10 fixed 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
Where do these numbers come from?
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: 0.5% + fixed fee on bank payouts, free stablecoin payouts, and a $10 local rail fee. Open "Adjust the assumptions" to override any of it with your own numbers.
What if I don't know my exact FX spread?
Most finance teams don’t — banks rarely disclose it. That’s the point: the default assumptions are set from typical rates for your payment method and currency mix, calibrated to the 1.5-3% FX spread range most companies actually pay once spreads, lifting fees, and intermediary charges are added up. If you do know your rate, plug it in for a precise number.
Does this include settlement delay costs?
Not in the headline number. The calculator focuses on FX spread and per-transfer fees, which are the largest and most measurable costs. Slow settlement (2–5 days on wires vs. minutes for stablecoins) adds a real but harder-to-standardize working capital cost on top — ask us about it on a call and we’ll model it against your actual payment cadence.
We already have a bank account.
Banks don't do stablecoins, and they charge you 1.5-3% in FX spread plus fixed wire fees every time you pay someone abroad. Request gives you Business Accounts and stablecoin rails in one place, so you stop paying the cross-border tax without giving up the tooling.
We're not ready for crypto.
You don't have to be. Leave the stablecoin slider at 0% above to see bank-transfer-only savings. Start with Business Accounts and AP/AR alone, and switch on stablecoin payouts whenever you're ready.