Compare bank exchange, foreign card payments, and remittance fees with live reference rates and clear cost breakdowns.
Actual payout
€975.15
Total exchange cost
€24.85
Mid-market payout
€1,000.00
Effective rate
0.97515
Cost ratio
2.5%
Cost insight
The cost is noticeable. Compare card, bank, and remittance options before deciding.
Reference rate
1
Offered rate
0.985
Rate date
-
Compare different fee models using the same amount and reference rate.
Choose the amount and currency pair first. The rate, payout, and cost gap update automatically.
Use spread for a worse offered rate, and percent or fixed fees for explicit charges.
| Provider | Payout | Cost | Effective rate | |
|---|---|---|---|---|
Online remittanceBest Compare a fixed fee with a tighter exchange spread. | €986.54 | €13.46 | 0.986541 | |
Foreign card payment Low fixed fee, but card network spread can be higher. | €976.00 | €24.00 | 0.976 | |
Bank counter exchange Conservative example with spread and service fee. | €975.15 | €24.85 | 0.97515 |
Live rates are loaded through the server API backed by Frankfurter. Bank board rates, card settlement rates, and remittance final rates may differ, so confirm final provider terms before paying.
Financial planning notice
This tool provides reference estimates only. Do not use it as the sole basis for lending, repayment, investment, tax, or contract decisions. Confirm the result with your lender, official documents, or a qualified professional before acting.
Save this result, compare previous runs, or share a report.
The calculator applies spread to the reference rate, subtracts source and recipient fees, and shows the actual payout and cost gap.
Yes. The page loads rates through the server API and rechecks every hour while open. If loading fails, manual rate entry still works.
Convert it into the remaining spread. For example, a 2% base spread with 90% discount becomes about 0.2% spread.
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