Calculators

FX Fee Calculator: Compare Two Cards Abroad

FX fee calculator: compare a 3% bank card with N26, Revolut, Wise, Nexo or Bybit on 1,000 USD of spending abroad, using each card’s dated fees.

Spending
Cards

Fees as of 26 Sep 2026 · sourceNo N26 fee on card payments abroad; 1.7% on non-euro cash; physical card EUR 10.

Advanced: card fees, spread and cashback
Your card
Card to compare

Answer

N26 Standard (EEA) saves 30.00 USD on 1,000.00 USD compared with your card — 3% of the amount.

Difference
30.00 USD
Your card costs
30.00 USD
Card to compare costs
0.00 USD
Where the fees come from
  • Your card30.00 USDConversion fee 30.00 USD
  • N26 Standard (EEA)0.00 USD
  • Conversion fee
  • Weekend extra
  • Spread
  • Fixed fee
How a card payment abroad is priced
  1. Amount1,000.00 USD
  2. Conversion fee30.00 USD
  3. Weekend extra0.00 USD
  4. Spread0.00 USD
  5. Fixed fee0.00 USD
  6. Your card30.00 USD

Share this scenario

Anyone with the link can read your entered amounts and settings. If the real figures are private, share an example with other numbers.

Next steps with this result

Compare the cards and services this result applies to:

ATM withdrawal cost calculatorCash fees with each card’s free monthly allowance.Trip card cost calculatorRank cards by the full cost of a trip.Travel money hubCards, cash and backups for a trip.

Decision framework

This FX fee calculator compares what the same spending abroad costs on two cards. Pick your card and one to compare — N26, Revolut, Wise, Nexo, Bybit, Wirex, Crypto.com or RedotPay — and their published conversion fees fill in, each with its date and source.

Enter the amount and the currency you pay in. Each card’s cost is its conversion fee on the amount, plus its weekend extra on the share you spend at weekends, plus any spread or fixed fee you add under Advanced. Paying in a card’s own currency costs no conversion. Nexo uses its European rate when you pay in EUR, GBP, PLN, CZK or HUF and its higher rate for other currencies. Wise and Wirex price conversion per currency and show it before you pay, so enter that number for them. Cashback, if you add it, reduces only the card you compare.

Example: 1,000 USD on a 3% bank card, Nexo or N26

You spend 1,000 USD abroad with a bank card that charges 3%: 30 USD in fees. Nexo Card Base charges 2% on weekdays outside Europe and 0.5% more at weekends (as of 26 Sep 2026); with 30% spent at weekends it costs 20 + 1.50 = 21.50 USD, a saving of 8.50 USD. N26 Standard adds no N26 fee to card payments abroad (EEA, as of 26 Sep 2026), so it saves the full 30 USD, 3% of the amount.

Before you pay abroad

  • Pay in the local currency when a terminal or ATM offers to convert for you.
  • Check the weekend rules: Revolut Standard adds 1% and Nexo 0.5% at weekends (as of 26 Sep 2026).
  • On Revolut Standard (UK), exchange is free up to GBP 1,000 a rolling month, then 1% (as of 26 Sep 2026).
  • After the first payment, compare the amount your app settled with the result here.

FAQ

Which card has the lowest FX fee here?

N26 Standard and Smart add no N26 fee to card payments abroad, and Revolut Standard is free on weekdays within GBP 1,000 a month. Nexo Card Base charges 0.2% in Europe and 2% elsewhere, Bybit Card EU 0.5% and Crypto.com Midnight (US) 3% on non-USD purchases (all as of 26 Sep 2026). RedotPay charges 1.2% (as of 24 Aug 2026).

What is dynamic currency conversion?

It is an offer from a shop or ATM to charge you in your home currency at its own rate. Choose the local currency instead and let your card convert.

Why does Wise show no conversion fee?

Wise sets the fee per currency pair and shows it before you pay. Enter that percentage under Advanced as the card’s conversion fee to include it.

Results use the amounts and fees you enter, so replace the examples with your own numbers. How we compare