Guide
Understanding exchange rate margins
The biggest cost of an international transfer is often the one you never see on the receipt: the margin baked into the exchange rate. Here's how it works and how to find the true price.
noindex until written. Replace the TODO notes, remove the noindex meta tag, and uncomment its sitemap.xml entry.
The mid-market rate
TODO: Define the mid-market (interbank) rate — the "real" rate, the midpoint of buy and sell, the same number you see on Google or XE.
What a margin (or spread) is
TODO: Explain that a margin is the gap between the mid-market rate and the rate you're actually given. It's a fee — just an invisible one, expressed as a worse rate.
Two ways services charge you
TODO: Contrast the two models:
- Transparent fee: mid-market rate + one clearly stated fee.
- Hidden margin: "zero fee" marketing, but a worse rate that quietly costs more.
A worked example
TODO: Show the same $1,000 transfer at the mid-market rate vs. a rate marked up by, say, 2%. Put real numbers on how many rupees the recipient loses to the spread — this is the most persuasive part of the page.
How to compare the true cost
TODO: The one rule — compare the final rupees received for the same dollars sent, on the same day. Fees + margin together are the real price.
Where EthicSend stands
TODO (honest / pre-launch): The real mid-market rate with one clear, upfront fee — no margin hidden in the rate. EthicSend is pre-launch and does not yet move money.