Currency Converter Calculator
The spread, shown as money.
Exchange rates move constantly and no rate is stored here — enter the current mid-market rate from a source you trust. Everything below is arithmetic on the rate you provide.
You receive
1,212.33
1,265.00 at the mid-market rate
The stated fee is 12.00 and the total cost is 52.67, because most of it is buried in the rate rather than charged as a fee. Comparing providers on the stated fee alone is exactly what that pricing structure is designed to encourage.
How the Currency Converter Calculator works
The stated fee is rarely the cost. Most of it is buried in the exchange rate, which is exactly what that pricing structure is designed to encourage — comparing providers on the visible number while the invisible one does the work.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What is the mid-market rate?
The midpoint between buy and sell prices for a currency pair — the rate you see on financial sites. It is the rate with no markup, and most providers do not give it to you.
How do I find the real cost of a transfer?
Compare what you receive against what you would receive at the mid-market rate. The difference is the total cost, whatever the stated fee says.
Which providers use the mid-market rate?
Some specialist transfer services convert at mid-market and charge a stated percentage instead. Banks and most payment processors do not, and the difference is usually several percent.
Does this calculator store rates?
No. Enter the current mid-market rate from a source you trust — everything here is arithmetic on the rate you provide, which means it never goes stale.