Reference rate

Exchange and payment cost calculator

Enter the rate and charges disclosed for your offer. Compare the estimated result with a dated reference quote and check which costs the model includes.

What would you like to calculate?

From To

Exchange money

You send Their rate (1 from = ? to) Their fee (in from)

Reference quotes and provider offers can differ in timing, amount and terms. A difference alone does not establish a particular fee.

Compare two exchange offers

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Choose the source and destination currencies above. Enter your own quotes below. No provider ranking or advertised rate is assumed.

Direction and units: EUR → GBP

Total source-currency budgetBudget in EUR

Offer A

A: destination units per 1 source unitGBP per 1 EUR A: fixed fee in source currencyFee in EUR A: fee as % of source budget

Offer B

B: destination units per 1 source unitGBP per 1 EUR B: fixed fee in source currencyFee in EUR B: fee as % of source budget

Each result = (budget − fixed fee − budget × percentage fee / 100) × quoted rate. Fees are deducted from the same total budget. Excludes recipient fees and taxes.

Fees versus exchange-rate moves →

Local units per 1 home unit (card rate)GBP per 1 EUR

Local units per 1 home unit. Enter your card’s conversion rate.

Card payment: local currency or home currency?

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Uses the same currency pair above: source = your home currency; destination = the local currency. Enter the card conversion rate that applies to your payment and the final home-currency amount offered by the terminal.

Purchase amount in local currencyAmount in GBP Card conversion fee (%) Card fixed fee in home currencyFee in EUR Terminal DCC total in home currency, including applicable feesAmount in EUR

Local-currency payment = local amount ÷ card rate × (1 + card fee / 100) + fixed card fee. A reference rate is only an estimate; settlement rates and issuer rules can differ.

One withdrawal or several?

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Enter the same total cash amount for both scenarios. Uses the card rate above; the withdrawal percentage fee below replaces the purchase fee.

Total cash needed in local currencyAmount in GBP Number of equal withdrawals ATM operator fee per withdrawal, local currencyAmount in GBP Card issuer fixed fee per withdrawal, home currencyFee in EUR Issuer fee on withdrawn cash (%)

Model: cash / rate × (1 + percentage fee / 100), plus operator fee / rate and issuer fixed fee for each withdrawal. Excludes DCC, minimum fees, fee-free allowances and interest. Check cash limits and avoid carrying more cash than you need.

Change language and keep entered values

How the true cost is worked out

The model compares the whole source budget at the reference rate with the result at your entered provider rate after the entered fee. It separates the numerical rate difference from the effect of that fee. This is a comparison of entered assumptions, not a verified audit of provider charges or a guaranteed settlement amount. Other charges and quotation times can change the result.