Finance404 starts with a question: when money crosses a border, how much reaches the recipient, and what accounts for the difference?
A quoted fee may tell only part of the story. Exchange-rate margins and other charges can also affect the amount received.
We examine the stated fee alongside the exchange rate and the final payout. A difference between the offered rate and a reference rate can add to the cost, even when it is not presented as a separate fee. Its size depends on the provider, destination, amount, and timing.
Our purpose is to make those details easier to inspect. We bring published inputs, calculations, and limitations together so readers can follow the reasoning and ask better questions.
For Finance404, “404” means “not found”: the useful detail, fuller explanation, or overlooked question worth investigating. We aim to contribute original calculations and clear context, and we welcome readers’ experiences and corrections.
What we do
We take one product, one amount, one moment in time, and we work out what it actually costs. Then we show the arithmetic so you can check it yourself.
Four things we commit to:
We show the calculation, not just the conclusion. Every claim comes with its inputs, its formula, and its result. You are meant to recalculate it. If we are wrong, you should be able to prove it in a spreadsheet.
We date and source every number. Rates move by the minute; fees change without notice. A number without a timestamp is a number you cannot trust, including ours.
We disclose commercial relationships. Finance404 currently has no affiliate relationships or paid article links. Any future arrangement will be described in our Affiliate Disclosure and beside the relevant link.
Evidence comes before commercial preference. Our policy is to publish the supported result and its limitations, even when it does not favour a familiar provider.
What we are not
Finance404 is a financial education publication, not a personal financial advisory service. We do not provide personalised product or investment recommendations. We examine published numbers, explain our calculations, and state their limitations.
Our aim is to make the reasoning verifiable. Readers should assess the sources, assumptions, dates, and calculations rather than rely on a name alone. A reproducible calculation can still be limited by its inputs.
Editorial responsibility
Finance404 publishes under a shared editorial approach. Article bylines identify the author responsible for each piece. As contributors join, their work will follow the same standards for sourcing, calculations, and disclosure.
Questions and corrections are welcome. Contact us with the page, relevant evidence, and your reasoning. We review reported errors and publish confirmed corrections with a dated explanation.
— finance404