Foreign Transaction Cost Calculator
Conversion is the avoidable part.
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.
Monthly cost of foreign transactions
3,012
3.59% of foreign revenue
Conversion is the largest component and the most avoidable — settling into a local currency account and converting in bulk removes 20,160 a year for the cost of holding the account. The international card fee is not avoidable.
How the Foreign Transaction Cost Calculator works
The international card fee is not avoidable; the conversion cost mostly is. Settling into a local currency account and converting in bulk removes it for the cost of holding the account, which at any real volume is a rounding error.
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 does accepting foreign payments cost?
An international card fee of around 1% to 1.5%, a currency conversion cost of 1% to 4%, and payout fees per transfer. The conversion is usually the largest and the most avoidable.
What is a local currency account?
An account holding balances in the currency you were paid in, so conversion happens when you choose rather than automatically per transaction.
When is it worth opening one?
Once monthly foreign revenue makes the conversion saving exceed the account cost — usually at a few thousand a month, which is lower than most people assume.
Can I avoid the international card fee?
No. It reflects genuinely higher interchange on cross-border transactions and applies regardless of how you settle.