Saving on international transfers isn’t just about chasing a sharp rate - it’s about knowing the full cost and how the process actually works, so more lands in the recipient’s account. “Small fees can make a big difference when money crosses borders - what matters is the amount that arrives, not just the headline rate.” Start with the true cost What matters most is the total received after rate and fees, because some providers add fees after quoting a rate, which reduces what hits the destination account. The reputed platform Direct FX states there are no other fees when dealing with them because all fees are included in the quoted rate, so the agreed amount is fully transferred to the chosen account. Their site even shows how a 0.5% fee can trim hundreds of dollars from the payout on a NZD 100,000 exchange if it’s deducted after the rate is agreed. Compare “rate + fees” together, not separately, to see what actually arrives at the other end. Ask whether fees...