// cost index
The lowest-cost way to send dollars is the one built for the country.
Sending $200 to one of the 68 countries Maash pays in local currency costs a median 1.25% all in on a business account, fee and conversion together — about 5× lower than the 6.36% global average cost of sending $200 abroad (World Bank (opens in a new tab), Q3 2025).
Updated · Reviewed by Joyce Chin, Chief Operating Officer & Compliance Officer
Two ways money moves
Averaging every destination into one number hides the split that decides your cost: a local network carries dollars for a $1.00 fixed fee, an international wire for $35.00. Maash prices each destination on its own network rather than flattening the two.
Arrives in seconds, for a dollar.
$1.00
fixed fee
0.75%
median variable
Real time
arrives
Dollars convert and land in the recipient’s own currency at the mid-market rate, no markup — over 37 national schemes including Pix, SPEI, SEPA and IMPS. 38 arrive in real time.
A standard wire.
- Fixed fee
- $35.00
- Variable
- 0.5%
- Arrives
- Up to 4 business days
120 of the other 123 countries receive US dollars over an international wire — a flat fee, a few business days, often sooner. The remaining 3 — Ecuador, El Salvador, and the United States — are paid in US dollars over their own national network instead, at local-network prices.
The index, at a glance
68
countries paid in local currency, at the mid-market rate with no markup.
38
arrive in real time — dollars in, local money out in seconds.
123
reached by international wire, arriving within a few business days.
Fastest, lowest-cost destinations
Real-time, local-currency payouts with the lowest fees, one per network — dollars in, local money out in seconds.
| Country | Paid over | Business fee | Speed |
|---|---|---|---|
| Mexico | SPEI | 0.5% + $1.00 | Real time |
| United Kingdom | Faster Payments | 0.5% + $1.00 | Real time |
| Ghana | local bank transfer | 0.75% + $1.00 | Real time |
| India | IMPS | 0.75% + $1.00 | Real time |
| Philippines | InstaPay | 0.75% + $1.00 | Real time |
| Singapore | FAST | 0.75% + $1.00 | Real time |
Methodology: one headline route per country (its local leg over the fastest network), business-tier fees, derived from live coverage on August 20, 2026. Figures are per country, not weighted by volume. The full per-country table is on the cost page.
Cross-border cost — FAQ
Cost
What does it cost to send US dollars abroad, on average?
Across the 191 countries Maash reaches, the median payout fee on a business account is 0.5% of the amount plus a fixed fee that depends on how the payout is sent: $1.00 over a local network, $35.00 by international wire. 150 of the 191 countries sit at that floor, and the highest variable fee is 1.4%. Conversion, where the destination isn’t paid in US dollars, is at the mid-market rate with no markup.
Speed
How long do international payments take?
55 of the 191 countries arrive the same business day or faster (38 in real time). 133 arrive within a few business days — up to four business days on the international wire, though the ceiling is not the typical case. Maash hasn’t published a delivery time for the remaining 3. Speed depends on how the payout is sent, not on the amount.
Local vs wire
Which costs less — a local network or an international wire?
Local-currency payouts cost less and move faster: a $1.00 fixed fee and, for many, real-time arrival. International wires carry a $35.00 fixed fee and can take a few business days, though many arrive sooner. 68 of the 191 countries are paid in their own currency; the other 123 receive US dollars over a wire.
Price a corridor before you send it.
Open an account in your own name and see what lands, across all 191 corridors.