Formula
FX markup = Mid-market value − Offered-rate value. Total conversion cost = FX markup + fixed fees.
X-Facture Finance Engine
Currency Exchange Fee & FX Spread Calculator
Calculate hidden bank markups, wire fees, and FX spreads. Compare real mid-market rates against offered bank rates.
FX Transaction Parameters
$
Amount you are sendingReal
Google / Reuters interbank rateOffered
Rate offered by your bank / kiosk$
Wire fees, commission, flat chargesConversion Loss Analysis
Net Amount Received5,310.00Post-fee conversion value
Total Exchange Loss-190.00Hidden markup + Fixed fees
Transaction Allocation
Mid-Market Value:5,500.00
FX Spread Markup (3.00%):-165.00
Fixed Bank Fees:-25.00
Effective Exchange Rate:1.0620
Effective Fee Rate3.45%
You are losing 3.5% of your money to conversion costs.
Calculator guide
Currency Exchange Fee Calculator
Calculate exchange fees, effective exchange rates and the real cost of converting currencies.
35finance tools
How it works
Enter the amount being converted, the mid-market reference rate, the provider’s offered rate and any fixed fee. The calculator estimates the value lost to the rate spread and explicit charges.
Assumptions & notes
- The direction of the exchange rate matters: both rates must quote the same source and target currencies.
- The model treats the difference between reference and offered rates as an exchange markup.
- Provider pricing can vary by amount, corridor and payment method.