Currency Exchange Calculator
Common Pairs (mid-market rate)
Amount to Exchange
Mid-Market Rate
Bank Spread (%)
Fixed Fee ($)
A currency exchange calculator converts an amount between currencies using a mid-market rate, then models the bank spread and fixed fees applied by financial institutions to show what you actually receive.
- 1Mid-market Rate = true interbank exchange rate
- 2Bank Rate = Mid-market Rate × (1 − Spread%)
- 3Amount Received = Amount × Bank Rate − Fixed Fee
- 4FX Cost = (Amount × Mid-market Rate) − Amount Received
$1,000 USD to EUR, rate 0.92, 2% spread=Bank rate 0.9016, receive €901.60, cost $18.40
£500 to USD, rate 1.27, 1.5% spread=Receive $624.98 vs $635.00 at mid-market
$500, 3% spread + $5 fixed fee=Effective total FX cost = $20 (4% of amount)
| Provider | Typical Spread | Fixed Fee | Best For |
|---|---|---|---|
| High-street Bank | 2–4% | $5–$15 | Convenience |
| Airport Kiosk | 5–10% | Often none | Emergency only |
| Wise / Revolut | 0.3–0.6% | Small | Best value online |
| Travel Credit Card | 1–2% | $0 | Purchases abroad |
| ATM Abroad | 1–3% | $2–$5 | Local cash |
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