Foreign Exchange Fee Calculator
Currency & InternationalCalculate the hidden markup and stated fee cost of a currency exchange, using rates you enter.
Changing the display currency only changes the symbol shown — amounts aren't converted, since this tool doesn't use live exchange rates.
Enter both rates yourself (from your provider's offer and a market-rate source you trust) — this tool doesn't look up live rates.
Total cost of this exchange
$0
Hidden markup cost: $0
Stated fee cost: $0
How this is calculated
Hidden markup cost = (Amount × mid-market rate) − (Amount × offered rate). Stated fee cost = Amount × fee %. Total cost is the sum of both — many exchange services profit mainly from marking up the rate rather than (or in addition to) a stated fee.
Frequently asked questions
- What is the mid-market rate?
- It's the real, midpoint exchange rate you'd see quoted on financial news or rate-comparison sites — the rate before any provider's markup is added.
- Why would a provider advertise 'no fees' but still cost money?
- Many currency exchange services build their profit into a worse exchange rate rather than (or in addition to) a stated fee — this calculator surfaces that hidden cost if you enter both rates.