A low subscription can hide an expensive payment route. Build two comparable cost scenarios from actual quotes, with all monetary inputs expressed in GBP equivalents.
Reconstructing the annual bill
M = subscription + transfers × fee + FX volume × FX% / 100 + extras
The first-year estimate is 12 × M + setup. It assumes constant activity and prices. Enter intermediary costs, cash charges and VAT in “other” where relevant. The model does not calculate live exchange rates, tiered pricing or promotional periods; request a provider quote for those cases.
This calculator is an illustration, not a quote from Sends or any other provider. Inputs are processed in your browser and are not submitted.