What affects the fees I pay?
Category: Fees & Pricing
Answer
Three factors: (1) payment method — cards cost slightly more than bank transfers, (2) transaction size — larger amounts often have lower percentage fees, and (3) network — some chains have lower gas fees.
About this answer
Swaps shows the all-in price upfront — provider fee, spread, and any network fee — so you can compare quotes apples-to-apples before clicking through. There is no hidden Swaps markup; we route to whichever provider quotes the best receive amount for your specific corridor. Fees vary by payment method, country, and amount, which is why Swaps re-ranks providers per quote. Most corridors complete with one fee disclosure; some payment methods (e.g. card) have higher provider-side fees than others (e.g. SEPA).
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