Remittance fee comparator
See how much lands in NPR after fees, from your amount, channel type, flat fee, fee % and today's exchange rate.
Every field is editable. This tool has no live provider fee table or forex feed, channel presets are typical illustrative starting points and the exchange rate is one you enter yourself, so always confirm both against the provider's current published rate before sending money.
Your transfer
The amount you're sending, before any fee is taken out.
Picking a channel fills in a typical illustrative flat fee and fee %, both fields below are yours to edit.
A fixed charge taken regardless of amount sent, if the provider charges one.
A percentage of the amount sent, taken as a fee or built into the exchange rate margin.
Required. This site has no live forex feed, so there's no default rate here, enter today's rate yourself so the NPR figure below is accurate.
Fee presets are typical illustrative starting points, not live data. Confirm the actual fee and exchange rate on the provider's current published rate card before sending money.
Check today's rate on Nepal Rastra Bank's published exchange rates or your provider's app, or see our gold price calculator for another rate-sensitive Nepal money tool.
Net amount received in NPR
Enter today's rate
From $500 sent, after $10.5 in fees
Effective fee
2.1%
Channel
Money-transfer operator
Net sent (USD)
$489.5
Rate used
Not set
| Amount sent | $500 |
| Flat fee | $3 |
| Percentage fee (1.5%) | $7.5 |
| Net USD sent | $489.5 |
| Net NPR received | — |
An illustrative comparison, built from a fee structure and exchange rate you enter yourself. Fee presets are typical starting points, not any specific provider's live rate, and the exchange rate is never assumed, always confirm both against the provider's current published rate card before sending money.
Fees and the exchange rate, applied to your amount
Three steps turn your inputs into a net NPR figure.
Start from a channel preset
Choosing bank wire, money-transfer operator or wallet-linked service fills in a typical illustrative flat fee and fee %, a starting point drawn from how each channel type is generally priced, not any specific provider's current rate.
Edit the fee to match your provider
Both the flat fee and the fee % are yours to change, so you can match what your bank or transfer app actually quotes, since real fees vary constantly by provider, corridor and amount.
Apply your own exchange rate
The amount left after fees is converted to NPR using the exchange rate you type in. This site has no live forex feed, so there's no default rate, you supply today's rate for an accurate result.
Once you know roughly how much lands in NPR, our gold price calculator and other Nepal money tools can help you plan what to do with it.
Remittance fees, answered
Which is cheaper, bank transfer or a money-transfer service?+
It varies by provider, corridor and how much you send, so there's no single answer that holds for every transfer. In general, a bank wire transfer often has a larger flat fee and can build extra margin into a less favourable exchange rate, while dedicated money-transfer operators and app-based wallet-linked services often compete on lower, more transparent percentage fees, especially for smaller amounts. The only reliable way to know which is cheaper for your specific transfer is to compare the actual fee and exchange rate each provider quotes you on the day you send, which is exactly what this tool's editable fee fields let you do.
Do I need to enter today's exchange rate myself?+
Yes. This site does not carry a live foreign-exchange feed, so it cannot show you an accurate up-to-the-minute USD, GBP or AUD to NPR rate. Exchange rates move throughout the day and differ between banks, transfer operators and wallets, so a stale or hardcoded rate here could make the net NPR figure meaningfully wrong. Enter the rate your provider is actually quoting you today, or check Nepal Rastra Bank's published rates, so the result reflects real conditions rather than a guess.
Are there hidden fees in remittance transfers?+
Sometimes, yes. Beyond a stated flat fee or percentage fee, some providers build an extra margin into the exchange rate itself, so the rate you're offered is quietly worse than the market mid-rate, which functions as a hidden cost even though no separate fee line shows it. Always compare the final amount that lands in NPR, not just the advertised fee, and ask the provider directly whether their exchange rate includes any margin on top of the market rate.
Is remittance income taxable in Nepal?+
Generally, inward remittance sent home by family members working abroad is not treated as separately taxable income for the receiving household in Nepal, it's money already earned and (where applicable) taxed abroad or exempt under Nepal's foreign-employment framework, not new domestic income. Rules and reporting requirements can still apply to how the money is received and declared, especially for larger or business-related transfers, so confirm your specific situation against current Nepal Rastra Bank guidance or a tax professional rather than relying on a general rule. See our guide on receiving remittance safely for the practical channels and paperwork involved.
Sources & data note
This comparator uses a simple fee structure (flat fee plus a percentage fee) applied to an amount and exchange rate you enter. Channel presets are typical illustrative starting points built for this page, not sourced from, and not matching, any specific provider's current published rate. Exchange rates change daily and by provider, this tool carries no live forex feed, so the rate used is always the one you type in. This is not financial advice, confirm the actual fee and rate on your provider's current published rate card before sending money.