Currency Conversion Fee
Calculator

It applies the exchange rate to convert the amount, then adds the conversion fee, whether that fee is a flat charge, a percentage of the transaction, or built into a marked-up exchange rate rather than shown separately.

A flat fee stays the same regardless of transaction size, making it relatively cheaper for large conversions, while a percentage fee scales with the amount, so it costs proportionally the same whether you're converting a small or large sum.

Many providers build their profit into a marked-up exchange rate rather than charging a separate visible fee, so the rate you're offered can be worse than the interbank or mid-market rate even if no explicit fee is listed.

Calculate the final amount you'd receive or pay under each offer, including both the stated fee and the effective exchange rate used, since the total cost — not the advertised fee alone — is what determines the better deal.

This depends on the provider; some deduct a fee from the original amount before converting, others convert first and then apply the fee, and the order can produce slightly different final amounts, which the calculator accounts for based on your inputs.