What each traditional method really costs — in fees, in spread and in delay — and what to put in its place.
Most of the cost of an international payment is not in the advertised fee. It is in the spread baked into the rate, in the intermediary bank charges that only show up on the statement, and in the delay that ties up your working capital for three to five days.
The pages below break that cost down by method — bank wire, transfer app, corporate platform, cash pickup — and show what changes when the same operation runs on local rails.