Currency Exchange Calculator

Convert currencies using exchange rate, spread, fixed fee, and service fee assumptions.

Exchange inputs

Estimate received currency after exchange spread, fixed fee, and card or service fee.

Source amountMarket rateExchange spread

Fixed feeService fee

Received amount

1,322.13

Customer rate

1.3338

Effective rate

1.322131

Total cost

27.87

2.06% of market value

Gross exchanged amount

1,333.8

Variable fee

6.67

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Exchange rate versus effective rate

The market rate is not always the rate you receive. Banks, cards, and exchange services may include spread and fixed fees, so the effective rate can be lower than the headline quote.

Comparing providers

Enter the same source amount for each provider and compare received amount, effective rate, and total cost. A small spread can matter more than a fixed fee on larger conversions.