Why rates differ
Mid-market rate: The “true” middle between buy and sell.
Your rate: What your bank or card gives after their margin (a small markup).
Fees: May include ATM charges, foreign transaction fees, or transfer fees.
Simple checklist
Check today’s mid-market rate on our Currency Converter: /currency-converter
Compare your bank’s rate.
Count fees (ATM, card, or transfer).
Choose the cheapest option overall—not just the “rate.”
Smart tips
Use cards with no foreign transaction fee.
At ATMs abroad, decline DCC (Dynamic Currency Conversion) and choose to be charged in the local currency.
For larger transfers, compare providers; small differences matter.
Example
If mid-market says 1 USD = 0.92 EUR and your bank offers 0.89 with a $5 fee, our tool helps you see the real cost in seconds.