Free Currency Converter With Real FX Fee Math
Most currency converters show a "mid-market" exchange rate that isn't what you'll actually pay — your bank or credit card adds a foreign transaction fee markup on top. This converter shows both: the raw rate, and the real amount after your card's typical markup, so you know what a purchase or transfer actually costs.
For informational purposes only — not financial advice. Exchange rates are illustrative and may not reflect real-time market rates; confirm the actual rate with your bank or card issuer before relying on it for a transaction.
Frequently Asked Questions
Is this currency converter free?
Yes, converting currencies and using the FX fee calculator is completely free with no signup.
Why does my card charge more than the exchange rate shown?
Most banks and credit cards add a foreign transaction fee markup (typically 1-3%, more at airports) on top of the base exchange rate. Use the FX fee dropdown above to see the real cost after that markup.
How often are exchange rates updated?
Rates are served from Tools HQ's own rate endpoint rather than hardcoded in the page.