Your bank's exchange rate isn't the rate
The rate quoted online rarely matches what hits your recipient's account. Borderless Money shows you the real cost before you send, no surprises.
What your bank won't tell you about transfer costs
Banks quietly bundle exchange rate markups into every transfer. We show you exactly what you pay, card by card, before you send a krone.
Hidden markup
Banks advertise low fees, then add up to 4% on the exchange rate. We show you the real cost before you commit.
Rate lock
Slow transfers mean the rate can shift before your money arrives. We help you lock in a rate and know exactly what lands.
Transfer speed
Banks can hold international transfers for days. We compare services that quote delivery times upfront, so you plan properly.
Side-by-side cost
Comparing a percentage fee against a fixed one rarely works. We put every quote in one format that makes sense.
Unnecessary extras
Urgent fees, correspondent charges, and intermediary costs appear after you confirm. We help you spot them before you pay.
Three checks, one clear plan
We review your current transfer costs and map out a cheaper, more transparent way to move your money abroad.
Your money review
A step-by-step look at what you pay now, and what you could be paying instead.
Transparent fee comparison
We line up transfer services side by side so the real costs are easy to see.
A personal transfer plan
Get a clear recommendation matched to the amount and frequency you actually send.
Why does your transfer cost more than the fee shows?
The fancy exchange rate a provider advertises is rarely the one you get. Hidden markup, payment fees, and fixed versus percentage charges can quietly add up before your money arrives.
Real savings on money sent abroad
I moved 50,000 NOK to a family member in Poland and Borderless Money showed me where my bank was quietly adding 1.8% to the exchange rate. Switching to their recommendation saved me over 800 NOK on that one transfer.
Marta Kowalska
Sent 50,000 NOK to Poland
The cost comparison was simple to follow. I saw exactly what my bank was charging versus what I could get elsewhere. I transferred 120,000 NOK to Spain and kept more than I expected.
Jonas Berg
Transferred money to Spain
What convinced me was the clarity. No jargon, just a clear breakdown of the markup I was paying. I sent money to the US and cut the cost of the transfer by over a third.
Elin Nilsen
Reduced transfer costs to the US
What a typical transfer can cost you
Banks and brokers rarely show the full picture. Here's what the markup actually adds up to on a standard transfer.
0.5%
Typical hidden markup
2,500
Kroner lost yearly
0-2
Business days to send
3.5%
Average bank fee margin
Ask us before you send money abroad
Clear answers to your transfer questions. Still unsure? Get in touch.
Most transfer guides stop before sharing the actual numbers. Ours doesn’t.
Get a free rate check and a clear savings plan, comparing your current transfer costs against better options. No jargon, no pressure, just the facts.