Calculators
FX Fee Calculator
Compare your current card cost with an alternative card scenario.
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Anyone with the link can read your entered amounts and settings. Share an illustrative scenario if the real figures are private.
Current card cost
42.00 EUR
Alternative cost
5.00 EUR
Estimated savings
37.00 EUR
Use the same amount, currency and reference rate for both cards. Each option includes its own fees and spread. Cashback applies only to the alternative and is capped at its cost here; enter zero for ineligible purchases or cash withdrawals. Fee-free allowances and reward caps are not inferred.
Use the result to make the next decision
The estimate is a starting point. Compare the relevant terms and risks before acting.
Decision framework
Use this calculator when choosing between a normal card, ATM withdrawal, cash exchange or multi-currency card.
FX costs include more than the fee printed by your bank. Merchant conversion prompts, ATM operator conversion, spread and cashback assumptions can change the result.
Card vs alternative card
If a 1,000 USD purchase has a 3% issuer FX fee, a 0.5% spread and a 5 USD ATM or fixed cost, the current setup can cost materially more than a card with a lower FX fee and no forced conversion.
Before you pay abroad
- Choose local currency at card terminals when offered a choice.
- Check ATM operator fees before confirming cash withdrawals.
- Compare settled amounts, not just advertised percentages.
- Keep screenshots only when they help resolve a dispute.
Related next steps
FAQ
What is dynamic currency conversion?
It is a merchant or ATM offer to convert into your home currency, often at a worse rate.
Is a zero-fee card always free?
No. Spreads, weekend markups and ATM fees may still apply.
Should I use cash or card?
Use the cheaper and safer option for the destination, and keep a backup.