Currency Exchange Spread Calculator

Banks, airport kiosks, and card networks often quote a worse rate than the real "mid-market" rate — and pocket the difference. See exactly how much that costs you.

How this works

You convert your amount at both rates and compare. The gap between the mid-market rate and the offered rate is the exchange provider's markup ("spread") — this is how most currency exchange services make money, often without a visible separate fee.

This is a pure calculation from the two rates you enter — works for any currency pair. Not financial advice.