How much do traditional payment rails really cost versus Litecoin? Enter an amount and how often you send to see your savings.
| Method | Cost per transfer | Cost per year |
|---|
Fee models (editable assumptions): Litecoin flat ~$0.005 network fee; PayPal 2.9% + $0.30; Credit card 2.5%; SWIFT/bank wire flat $30; Western Union ~5%. Real fees vary by provider, country, and amount. Litecoin on-chain fee does not scale with the amount sent.
Traditional rails charge a percentage, so the bigger the payment, the bigger the cut. A 2.9% processor fee on a $5,000 transfer is $145; an international wire is a flat $30 or more whether or not anything else changes. Litecoin works differently: its network fee is based on the data size of the transaction, not its value, so sending $50 or $50,000 costs roughly the same fraction of a cent. That is why the savings on this page grow with transfer size and frequency.
The trade-off is volatility and conversion: holding LTC between sending and cashing out carries price risk, and exchanges add their own fees. For the pure transfer cost between wallets, though, Litecoin is dramatically cheaper. Compare live fees on the fee tracker and convert any amount with the calculator.