Find out the all-in rate for your payment
The percentage in the agent's agreement is not the whole price. The FX markup and fixed charges come on top of it. We calculate the full cost and look for a lower-cost route in our pool. If we can't find one, we'll say so. The comparison is free: you don't pay us separately, the broker's fee is paid by the executing agent.
Your all-in rate
Enter the figures from your last payment
That is about 675 USD on a payment of 25,000 USD
fee 1.5% + markup 1% + charges 0.2%
Estimate based on your figures.
Send documents and we’ll look for a lower rateWhat makes up the all-in rate
Compare the full cost of the payment. The percentage in the agreement is only one line of it.
Agent's fee
A percentage of the amount in the agreement or payment order. This is what people usually compare, although it is not the whole price.
FX markup
The agent converts at the Bank of Russia rate or the market rate on the exchange, plus its own percentage. This markup is not in the "fee" line, but you are the one who pays it.
Fixed charges
Charges for the transfer, SWIFT and documents. On a large amount they are barely visible; on a small one they raise the rate noticeably.
Sub-agent
Needed if the beneficiary's bank accepts payment only from a specific payer. Engaged only with your consent, and the total including the sub-agent is shown in the payment order before the debit.
All-in rate
All the lines together, divided by the payment amount. This is what we compare.
What it costs with us
from 0.9%
minimum fee for paying a supplier
This is the minimum, not a promise. The total depends on the country, the amount, the beneficiary's bank and the route. Like the rate, we write it into the payment order before the roubles are debited. There is no separate broker's charge on top: the broker's fee is paid by the executing agent.
- from 0.4%
- minimum fee for repatriation of export proceeds
- from 10,000 USD
- minimum payment amount or its equivalent in another currency
- Rate
- fixed in the payment order before debiting
Tell us your rate
Or send your current agent's payment order, report and completion certificate, or invoice. We will calculate the full cost and tell you plainly whether we can offer a lower one.
How we look for a lower rate
We compare the same payment: destination, currency and amount. Otherwise the comparison means nothing.
You send your current agent's documents
The payment order, report and completion certificate, or invoice for a recent payment. They show the fee, the rate and the charges.
We calculate the full cost
We add up the fee, the FX markup and the fixed charges and express them as a percentage of the amount. We show you the calculation so you can check it.
We look for a route in our pool
We look at agents with a working route to the same destination, in the same currency, for a comparable amount.
We reply
A lower offer with the calculation, or a straight answer that we cannot go lower. We charge nothing for the comparison.
We fix the terms
If you agree, the agent and the execution timing go into the agency agreement, the rate and fee into the payment order, all before the roubles are debited.
When to recalculate your rate
Agents' terms change. Check your rate if you recognize your situation here.
Your agent changed its terms
It raised its fee, changed how it calculates the rate or added charges. On regular payments, even a small difference adds up to a noticeable sum.
Payments go to several countries
One agent's terms can vary widely from country to country. In our pool, we compare agents for each destination.
Charges show in the total
If fixed charges take a noticeable share of the payment, we look at the size, the currency and the schedule of payments.
A large contract is coming up
It is worth calculating the full cost before you agree terms with an agent, while you can still choose them.
Where else you can save
The rate is not the only way to lower the cost. We look at the payment as a whole. We are on your side: we compare the agents in our pool with one another rather than selling one agent's channel.
Payment currency
If the contract allows, a payment in the beneficiary's currency sometimes costs less: there are fewer conversions along the way. We check which currency makes the route cheaper for your destination.
Payment size and schedule
Fixed charges apply to every payment. If the delivery schedule allows small payments to be combined, we calculate both options and show you the difference.
Returned payments
A returned payment costs you twice: the charges and the exchange rate difference. We check the details, the purpose of payment and the documents before sending. That lowers the chance of the payment coming back.
A series of payments under one agency agreement
The agency agreement is signed once; after that, each payment goes under its own payment order with its own rate and fee. Fewer approvals, and the full cost is visible for every payment.
Whatever the comparison shows, the protection stays the same: the execution timing is written in the agency agreement, and on request we add escrow for an additional fee. If a payment does not go through at all, that is a different task: complex payments.
Questions about payment costs
How much does a rate comparison cost?
Nothing. You don't pay us separately: the broker's fee is paid by the executing agent.
Will it always come out cheaper?
Not always. If our pool has no cheaper route for the same destination, currency and amount, we will say so.
What documents do you need for the comparison?
Your current agent's payment order, report and completion certificate, or invoice, no older than 60 days. The document must show the fee, the rate or how it is calculated, and the charges.
Why don't you quote a single rate?
The rate depends on the country, the amount, the beneficiary's bank and the route. The website shows the minimum; the final figure is in the payment order before the roubles are debited.
Doesn't cheaper mean riskier?
We do not choose the agent on price alone: the route must work and the documents must suit your bank. The protection is the same at any rate: the execution timing is in the agency agreement, and escrow is available on request.
What do you do with my documents?
We use them only to calculate the cost and select a route.
Request a quote
Describe the payment. We'll reply with a proposed route and terms. We name the agent in advance, and the rate and fee go into the payment order before your roubles are debited.