Our philosophy on hidden fees is simple:
Align will never charge you a hidden fee!
Most banks don’t want you to know a dirty little secret; they have been charging hidden fees on international payments for years.
Most small businesses do know that banks charge an upfront wire fees for international payments.
However, most businesses don’t know that many banks also charge at least two more hidden fees for every transaction including a hidden exchange rate spread AND they also charge a hidden beneficiary/intermediary fee.
Align will never charge an upfront wire fee or any other hidden fees. We cut through the confusion by providing a straightforward pricing system.
What We Charge
|
International Banks Wire | |
|---|---|---|
| Wire Initiation Fee | $0 | $15 |
| Exchange Rate Spread | 1.9% | 3% to 6% (hidden) |
| Beneficiary Intermediary Fee | $0 | $10 (hidden) |
| Bank Receiving Fee | $0 | $15 to $35 (occasionally hidden) |
Align has zero wire initiation fees, zero intermediary fees and zero receiving fees. The only time we charge you is when you have a currency exchange for your payment.
Our exchange rate spread is just 1.9% of the amount you are converting (vs. bankers hidden spreads of 3-6%). In some cases you’ll see zero fees when you use Align to send or receive international payments.
| When You | And Your | Your Fees Are |
|---|---|---|
| Send Payment | Foreign Curreny Payment Request | 1.9% |
| Send Payment | Your Local Currency Payment Request | $0 the receiver pays |
| Get Paid | Foreign Currency Payment Request | 1.9% |
| Get Paid | Your Local Currency Payment Request | $0 the sender pays |
See the examples below of fees a business might incur
sending and receiving an international payment:
Getting Paid
Your US business is going to receive payments in Euros. You convert the Euros and receive $1,000. You pay a $19 (1.9% Exchange Rate spread) fee with Align.
If you went through a bank the total fees for this payment would add up to a minimum of $60 ($15 Wire Initiation fee + 3% Exchange Rate spread + $15 Receiving fee).
Sending a Payment
Your US business is going to send a payment in Euros. You convert $1,000 US Dollars and send the converted Euros. You pay a $19 (1.9% Exchange Rate spread) fee with Align.
If you went through a bank the total fees for this payment would add up to a minimum of $60 ($15 Wire Initiation fee + 3% Exchange Rate spread + $15 Receiving fee).
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USD to USD
International Payments$25per transaction
We charge just $25/transaction to move US dollars to another US Dollar bank account overseas. See list of countries where we can send your USD HERE.
-
All Domestic
USD Payments$15/monthunlimited
If you have a US business and need to accept/send payments to other US businesses, we can also help. We charge just $15/month for unlimited domestic payments.
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