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SWIFT Fees: The Hidden Cost Nobody Calculates When Importing

Reference guide · 4 min read

When putting together the cost of an imported product, almost everyone includes: factory cost, freight, and Amazon fees. Very few include something they pay on every order: the bank fee for the international wire transfer to the manufacturer.

How much banks charge for a SWIFT transfer

The cost varies by bank and country, but it's common to pay between $15 and $30 per transfer, sometimes more if intermediary banks are involved. If your order requires two transfers (for example, a deposit and a final balance, common with manufacturers), that cost doubles.

Why it needs to be prorated per unit, not left "floating"

It's a fixed cost per transaction, not per unit — and that's the problem if it isn't prorated: on a large order (500+ units) the per-unit impact is negligible, but on a small order (30-50 units, typical for someone just starting out) it can represent $0.50-$1 per unit or more. On a product with a tight margin, that can be the difference between making and losing money.

Example with numbers

An order of 100 units, with 2 transfers of $15 each: $30 total in bank fees, $0.30 per unit. On an order of 30 units with the same total fee: $1.00 per unit. Same total cost, three times the per-unit impact just because of order size.

The calculator automatically prorates bank fees across the units in your order and deducts them from your net profit.

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