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Currency & Remittance Converter 2026

Built for cross-border sellers and trade hubs in Singapore, Hong Kong, and Vietnam. See the real mid-market rate, compare bank SWIFT wires against fintech transfers, and calculate true e-commerce landed cost and margin across double currency conversions β€” SGD, HKD, VND, CNH, USD, MYR, THB, PHP, IDR, JPY and EUR.

πŸ’± Send Amount & Corridor
Recipient currency

Mid-market reference rate as of July 24, 2026 β€” illustrative only. Always confirm the live rate with your bank or provider before transacting.

🏦 Provider Mode
OUR: sender pays the wire fee and reimburses the correspondent fee separately β€” recipient gets the full converted amount. SHA: sender pays the outgoing wire fee; the correspondent bank still deducts its own cut from what arrives. BEN: recipient's bank deducts both fees from the incoming principal before crediting the account.
πŸ“¦ E-Commerce Sourcing & Landed Margin (optional)
Models a double conversion chain: Customer pays you in one currency β†’ funds land in your business/hub currency β†’ you pay your supplier in a third currency. Leave Supplier COGS at 0 to skip this and use the calculator as a plain remittance/FX tool.

How to Use This Calculator

  1. Pick a corridor preset (SG→China Supplier, HK→US Marketplace, SG/HK→Vietnam) or set the "from" and "to" currencies manually.
  2. Enter the amount you're sending β€” this is the gross amount before any fees or spread are applied.
  3. Choose Traditional Bank or Fintech β€” adjust the FX spread, flat fee, and correspondent fee to match your actual quote, and pick the SWIFT fee allocation (OUR/SHA/BEN) if using a bank wire.
  4. Optionally fill in the e-commerce section if you're sourcing goods: enter your selling price, supplier COGS, platform fee, gateway fee, and shipping cost to see your true landed margin across the double conversion chain.
  5. Read the results β€” recipient amount, effective vs. mid-market rate, hidden FX cost, the fee leakage bar, and a side-by-side bank-vs-fintech comparison all update instantly.
  6. Export β€” download a PDF summary or an Excel workbook to attach to a supplier purchase order or invoice.

Want the full explanation? Mid-market rate vs. spread, how OUR/SHA/BEN SWIFT fee allocation actually works, onshore CNY vs. offshore CNH, the zero-decimal currency rule, and why double-conversion chains must be multiplied sequentially are all covered in depth in our Currency & Remittance Calculator Guide 2026.

This calculator provides estimates for general informational purposes only and is not financial or legal advice. Exchange rates shown are illustrative mid-market reference figures as of July 24, 2026 and fluctuate constantly β€” always confirm the live, quoted rate and all fees with your bank or payment provider before transacting. Fee benchmarks for banks and fintech providers are representative approximations, not quotes from any specific institution.