Why do fees vary by provider?
Category: Fees & Pricing
Answer
Each provider has its own fee structure based on payment rails, licensing costs, and processing infrastructure. We show all providers side by side so you can pick the best deal for your specific transaction.
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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