Keep the comparison honest.
Use the same currencies, amount, funding method and quote time. Include any intermediary or receiving charges you know about.
INTERNATIONAL TRANSFERS
Less lost in fees.
More clarity
across borders.
Find the questions that make a difference to your next overseas payment: what it costs, when it arrives and how much reaches the other side.
A ROUTE IS MORE THAN ITS TRANSFER FEE
AUDYOU SEND↗USDTHEY RECEIVE
01Exchange rateWhat is the actual quoted rate?
02Total feesWhat comes out along the way?
03Arrival timeWhen can the recipient use it?
04Net receivedWhat lands after all deductions?
Compare like for like. Then make your decision.
THE REAL COST OF SENDING MONEY
A low fee isn’t always
a low-cost transfer.
The exchange rate and receiving charges can matter just as much as the sending fee. Compare the net amount received for the same total budget.
Keep the proof with the payment.
Record the quote, requirements and provider reference alongside the review decision—not in another disconnected inbox.
TRY THE NUMBERS
What actually reaches
the recipient?
Replace the illustrative figures below with two quotes you have received. This comparison runs in your browser; nothing is sent to a provider.
COMPARE THE AMOUNT THAT ARRIVES
Two quotes. One sending budget.
Enter both quotes for the same transfer. Rates mean USD per 1 AUD. Changing a currency label does not fetch or convert an exchange rate.
QUOTE A · RECIPIENT GETSUSD 6,380.80
QUOTE B · RECIPIENT GETSUSD 6,440.33
QUOTE B DELIVERS MOREUSD 59.53
Calculation: (sending budget − sending fee) × quoted rate − receiving fees. Results are rounded to two decimal places. Include all known fees; estimates exclude any charges you have not entered. Rates, timing and eligibility must be confirmed with the provider.
A FASTER TRANSFER HAS MORE THAN ONE STEP
Fast settlement.
Not always instant arrival.
Some providers offer instant transfers on eligible routes. Stablecoin networks can move value around the clock, but the starting and finishing steps still matter.
Fund the route
Payment method, cleared funds and identity checks.
Move across borders
Bank or digital-asset settlement, according to the route.
Convert where needed
Exchange rate, liquidity and any off-ramp requirements.
Credit the recipient
Local payout rails, bank hours and final verification.
A quick network transaction is not a promise of an instant bank deposit. Confirm an end-to-end delivery estimate for the specific route.
EXPLORE THE ROUTE TYPES
Start with the destination.
Then compare the options.
Check exchange-rate margins, intermediary deductions, cut-off times and recipient-bank requirements.
Compare a current quote for your currency pair and funding method. Availability and verification vary.
Consider the on-ramp, network, custody, conversion and off-ramp together. Include depeg, network and provider risks—not just the network fee.
Explore the dedicated stablecoin page for the full journey. These are route categories to assess, not a list of active MyVaultOS payment integrations. MyVaultOS currently supports planning and workflow records, not live transfer execution.
BEFORE YOU SEND
The useful questions.
Can I send money through MyVaultOS today?
Not yet. Use the comparison worksheet and discuss your route with us. Any actual transfer is arranged with your bank or chosen provider outside MyVaultOS.
Will this always be cheaper than my bank?
No single route is cheapest for every transfer. Compare current quotes, all fees and the net amount received. The example figures in the worksheet are not a savings claim.
Can a transfer be instant?
Some providers offer instant delivery for eligible routes and payment methods. Other transfers require bank processing, verification or conversion. MyVaultOS does not currently promise or execute instant transfers.
DIGITAL MONEY. PRACTICAL USES.
Spend it. Move it.
Keep control of it.
Crypto cards, stablecoin routes and smarter payment conditions—alongside the bills, agreements and trade records you already manage.
See every feature ↗01
Crypto cards
Explore our RedotPay affiliate offers for everyday, online and advertising spend.
Explore 02Stablecoin transfers
Understand the complete route from funding to the amount your recipient can use.
Explore 03Smart-contract workflows
Prepare milestone terms, approval roles and evidence for conditional payments.
Explore 04Non-custodial control
Keep financial control separate from the workspace that organises the work.
ExploreFurther reading: Understanding exchange rates — Wise · Route-specific transfer speeds — Wise · Digital settlement and banking hours — Circle. Provider references do not imply a partnership or active integration.
START WITH YOUR NEXT TRANSACTION
Tell us where it’s going.
We’ll start with what matters.
Discuss your route or workflow ↗
Country. Currency. Timing. Requirements.