Zero FX on 25+ listed currencies
BRL, NGN, MXN, PHP, INR, IDR, EUR, GBP and the rest of the listed majors convert at the real interbank rate with no Bancoli markup. The pricing page lists which are 0% and which are 1%.
Bancoli vs Wise. Compare the cost of converting.
Wise charges per conversion. Bancoli includes zero FX markup in 25+ currencies within each plan’s monthly allowance. Compare the same currency and amount, and include the monthly membership when choosing.
USD sent $8,500
at the interbank rate BRL
- Wise fee, bank transfer $80.16
- Bancoli FX markup $0.00
- Bancoli Plus membership $29.00
Kept on this send with Bancoli $51.16
Page reference date: 8 November 2026. The original page records these Wise examples as retrieved on 29 September 2026.
Which is better for my business, Bancoli or Wise?
Wise can suit occasional or lower-volume conversions without a monthly membership. Bancoli can suit businesses receiving USD and regularly paying in currencies on its 0% list. Compare membership, receiving and conversion costs for the same amount; the lower-cost choice depends on your actual payment pattern.
Fee on $8,500, corridor by corridor
| Corridor | Wise | Bancoli |
|---|---|---|
 USD to BRL | Wise $80.16 | Bancoli $0.00 on the 0% list |
 USD to NGN | Wise $50.24 | Bancoli $0.00 on the 0% list |
 USD to MXN | Wise $49.39 | Bancoli $0.00 on the 0% list |
 USD to PHP | Wise $48.43 | Bancoli $0.00 on the 0% list |
 USD to INR | Wise $42.62 | Bancoli $0.00 on the 0% list |
 USD to IDR | Wise $37.71 | Bancoli $0.00 on the 0% list |
 USD to GBP | Wise $34.97 | Bancoli $0.00 on the 0% list |
 USD to EUR | Wise $31.56 | Bancoli $0.00 on the 0% list |
| Monthly plan | Wise No monthly plan | Bancoli Plus plan is $29/m with $8,500 of conversion included |
bancoli.com/pricing lists Bancoli’s fees. Wise examples retain the original page’s recorded retrieval date of 29 September 2026; the page’s editorial reference date is 8 November 2026. They do not represent a new retrieval or live quote. Total cost depends on currency, amount, funding method and plan.
Zero FX fees in 25+ currencies.
- local currencies
- 40+
- FX markup on listed majors
- 0%
- currencies listed at 0%
- 25+
Illustrative payment routes. Availability depends on recipient and location.
One plan, not a fee per transfer
Plus is $29 a month and includes $8,500 of conversion at 0%. Above that the rate is 0.5%, with no separate per-conversion fee. Receiving fees are listed separately on the pricing page.
Named USD details, and your own keys
Get paid over ACH and RTP on named USD details, and hold stablecoins in your own self-custodial wallet rather than as a safeguarded balance.
Compare transfer costs by currency.
Choose a published example to compare Wise with Bancoli Plus. At lower volumes, Wise can cost less.
Published examples, not live quotes
Bancoli Plus: $29/month, billed annually.
You keep with Bancoli this month
$51.16
One transfer this month
Monthly cost in this example
Wise$80.16
Bancoli Plus$29.00
- Published Wise transfer fee
- $80.16
- Plus membership
- $29.00
- Within the included FX volume
- $0.00
One $8,500 transfer per month, funded by bank transfer. Historical Wise calculator figures retain the original page’s recorded retrieval date of 29 September 2026; no rates are extrapolated. Bancoli Plus assumes $29/month billed annually, with $8,500 of monthly FX at 0%. Receiving, wire and other fees are excluded. This is not a Wise Business quote.
Check current pricingStraight answers
Stop paying a fee every time you convert.
Open a Bancoli account, get named USD details, and convert on listed majors at 0%.
More about the products and eligibility
How the fee changes by currency
From 0.23% is the floor, not the price. On Wise’s own comparison pages a $1,000 transfer costs $11.07 to Brazil, $7.78 to Nigeria, $7.67 to Mexico and $7.46 to the Philippines.
BRL, NGN, MXN and PHP are all on Bancoli’s 0% list. On Plus the first $8,500 you convert each month carries no markup at all, and there is no per-conversion fee on top of it.
Historical examples published by Wise for a 1,000 USD transfer. Fees depend on the currency, amount and funding method. These are reference figures, not live quotes.
$11.07
Wise, USD to BRL on $1,000
$7.78
Wise, USD to NGN on $1,000
$0.00
Bancoli, BRL or NGN, within the Plus allowance
Currencies with no Bancoli FX markup
- Stablecoins 0%
AED 0%
ARS 0%
AUD 0%- BRL 0%
BWP 0%
CAD 0%*
CLP 0%- EUR 0%
- GBP 0%
GHS 0%
HKD 0%- IDR 0%
- INR 0%
JPY 0%*
KRW 0%
MWK 0%- MXN 0%
MYR 0%- NGN 0%
PEN 0%- PHP 0%
SGD 0%
THB 0%
UGX 0%
VND 0%
ZMW 0%
CAD and JPY at 0% apply to registered businesses. Check the pricing page for the full list.
$8,500 a month to Brazil, side by side
Bancoli Plus: $29/month, billed annually.
Bancoli plan reference: November 2026. The Wise example is historical.
Wise
$80.16 on $8,500 to BRL
- $80.16 to send $8,500 to Brazil by bank transfer
- $11.07 on $1,000. The fee tapers with volume, but it is charged every time
- About $681 on $85,000 a month, after Wise’s volume discount
- A Wise Business account can send up to 10,000 USD per transfer to a business account in Brazil (3,000 USD to a personal account), per Wise’s Brazil page on 8 November 2026
Historical Wise US send-calculator example: USD to BRL, funded by bank transfer. The original page records retrieval on 29 September 2026.
Bancoli
$29.00 on $8,500 to BRL
- Bancoli Plus membership: $29 a month, billed annually; receiving and other charges are excluded
- First $8,500 of conversion each month: 0% markup
- Above that: 0.5%. Premium at $199 a month includes $85,000
- No per-conversion fee within the allowance
- On USD to BRL, Wise costs less below about $2,600 a month and Bancoli Plus costs less above it. On Wise’s cheaper corridors, such as EUR or GBP, that point is higher, about $6,700 to $7,600
This example includes Plus membership and $8,500 converted to BRL within the monthly allowance. Receiving, wire and other charges are excluded. Compare the total cost for your business’s amount and frequency.