Currency Conversion Fee and Spread Calculator

Compare the cost of a conversion

Enter the source amount, a reference rate, and the rate offered by a provider. This calculator assumes the fixed fee is deducted in the target currency. Change the values to compare quotes.

Amount to convert

Source currency code

Target currency code

Reference rate (target units per source unit)

Provider’s offered rate

Fixed fee in target currency

Value at reference rate—

Net after provider fee—

Difference from reference value—

Effective rate after fee—

This is a comparison tool. If a provider charges a percentage fee or deducts fees from the source currency, adjust the calculation to match its actual terms.