The FX spread — the markup on the exchange rate — is usually a bigger cost than any stated transfer fee.This site covers US reporting rules and general cross-border mechanics; specific rules are named by country where they change the answer.We are not a transfer provider and we do not move money on your behalf.Every calculator on this site runs in your browser; nothing you type is sent to us.This is general information, not personalized tax or legal advice.FBAR, Form 8938 and gift-tax thresholds are federal reporting rules, separate from any tax actually owed.The FX spread — the markup on the exchange rate — is usually a bigger cost than any stated transfer fee.This site covers US reporting rules and general cross-border mechanics; specific rules are named by country where they change the answer.We are not a transfer provider and we do not move money on your behalf.Every calculator on this site runs in your browser; nothing you type is sent to us.This is general information, not personalized tax or legal advice.FBAR, Form 8938 and gift-tax thresholds are federal reporting rules, separate from any tax actually owed.

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The Cross-Border Transfer Cost Worksheet

Work through the same math this site uses to spot the FX spread, compare transfer methods on your own numbers, and check whether your transfer might trigger a US reporting requirement — on paper, before you send anything.

A step-by-step worksheet for checking the real cost of a quoted exchange rate
A side-by-side comparison template for bank wire, online service and cash pickup
A plain checklist for US reporting thresholds — FBAR, Form 8938, Form 3520
Questions worth asking a cross-border professional before a large transfer

No payment, no account, no waiting for an email — the PDF downloads the moment you submit.

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