Provider	Uses SWIFT?	How They Avoid Fees	Typical Intermediary Cost
Wise	Rarely	Uses local bank networks	$0
CommBank	Yes	Absorbs fees for App users	$0 (Cross-currency)
Revolut	Sometimes	Smart routing / Paid plans	$0 (Plan dependent)
Big Global Banks	Always	Traditional correspondent chain	$25 - $50 (Deducted)

Provider	Uses SWIFT?	How They Avoid Fees	Typical Intermediary Cost
Wise	Rarely	Uses local bank networks	$0
CommBank	Yes	Absorbs fees for App users	$0 (Cross-currency)
Revolut	Sometimes	Smart routing / Paid plans	$0 (Plan dependent)
Big Global Banks	Always	Traditional correspondent chain	$25 - $50 (Deducted)

Provider	Uses SWIFT?	How They Avoid Fees	Typical Intermediary Cost
Wise	Rarely	Uses local bank networks	$0
CommBank	Yes	Absorbs fees for App users	$0 (Cross-currency)
Revolut	Sometimes	Smart routing / Paid plans	$0 (Plan dependent)
Big Global Banks	Always	Traditional correspondent chain	$25 - $50 (Deducted)

Provider	Uses SWIFT?	How They Avoid Fees	Typical Intermediary Cost
Wise	Rarely	Uses local bank networks	$0
CommBank	Yes	Absorbs fees for App users	$0 (Cross-currency)
Revolut	Sometimes	Smart routing / Paid plans	$0 (Plan dependent)
Big Global Banks	Always	Traditional correspondent chain	$25 - $50 (Deducted)