HisabCalc › remittance

Remittance Channel Compare Calculator

Compare bank and agent side by side to see which one puts more taka in your family's hands.

Enter your numbers

Amount sent

Example: 1000

Bank rate

Example: 120

Bank fee (%)

Example: 1.5

Bank flat fee

Example: 0

Agent rate

Example: 121

Agent fee (%)

Example: 2

Agent flat fee

Example: 500

Result

Currency

Figures are computed on your device; nothing is sent anywhere.

Formula

ধাপ ১: ব্যাংকে প্রাপ্ত = amountSent × bankRate × (১ − bankFeePercent ÷ ১০০) − bankFlatFee। ধাপ ২: এজেন্টে প্রাপ্ত = amountSent × agentRate × (১ − agentFeePercent ÷ ১০০) − agentFlatFee। ধাপ ৩: পার্থক্য = |ব্যাংক − এজেন্ট|। ধাপ ৪: বেশি দেয় কোনটি তা নির্ধারণ করো।

How the calculation works

Each channel's payout is the amount times its rate, minus its percentage fee, minus any flat fee.

Comparing the two payouts shows which channel gives the recipient more, and by how much.

A higher rate can be beaten by a flat fee on a small transfer, which is why the two must be compared together.

Common mistakes

Comparing only the exchange rate and ignoring the fees, which often decide the winner.
Forgetting that the rate itself may hide a margin, so the advertised rate is not the real one.

When to use it

Use it to pick the channel that sends the most money home for a given amount.
It is not a live comparison; enter each provider's current rate and fee.

Worked example

Sending 1000 at a bank rate of 120 with 1.5% fee gives 118200, while an agent at 121 with 2% fee and 500 flat gives 118080, so the bank wins by 120.

Received via bank 118,200.00

Received via agent 118,080.00

Extra from best 120.00

Best channel Bank

Common questions

Which fee type matters more?

A percentage fee grows with the amount, while a flat fee hurts small transfers most.

Does it include receiving charges?

No, add any receiving-bank charges as a flat fee for accuracy.

Last updated: 2026-10-04