Currency Exchange Real Cost

Find the true cost of exchanging money abroad including the exchange-rate margin, card fees and ATM fees, free online.

Amount to exchange (in your home currency)

Mid-market rate (foreign per 1 home)

Rate you are offered

Card / foreign transaction fee (%)

Flat ATM or service fee (home currency)

About this calculator

Compare the rate you are offered with the mid-market (interbank) rate: margin = 1 − offered ÷ mid-market. Add foreign transaction fees (often 0–3% on cards) and flat ATM fees. The all-in cost shows how much you really lose versus the fair rate.