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Calculators

FX Fee Calculator

Compare your current card cost with an alternative card scenario.

Current card cost

42.00 EUR

Alternative cost

5.00 EUR

Estimated savings

37.00 EUR

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

Travel money hubPlan cards, cash and backup payment rails.Money transfer comparisonCompare transfer and multi-currency account options.Travel budget calculatorAdd FX assumptions to total trip cost.

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.