Exchange Rate Calculator
Calculate foreign card transaction fees, bank conversion surcharges, and true exchange spreads.
Calculation Inputs & Parameters
250
(Default)
1.08
(Default)
3
(Default)
Total Billed on Bank Statement
$278.10
Bank Surcharge & FX Spread
$8.10
Mid-Market True Cost
$270.00
Effective Exchange Rate
1.1124
How the Calculation Works
Multiplies mid-market rate by foreign currency and adds bank transaction fees.
Formula: Total Billed = (Foreign × Mid-Market Rate) × (1 + Bank Fee %)
Practical Worked Example
Given Inputs: 250 EUR @ 1.08 with 3% FX fee
Calculated Output: Total: $278.10 ($8.10 bank fee)
- 270.00 base + 8.10 fee = 278.10.